How to choose state-owned banks, joint-stock banks and local banks?

State-owned big banks have many outlets and strong strength, ranking at the bottom of the country.

Joint-stock banks have strong pertinence, good service and unique business.

Local banks are generally confined to local areas and are financing institutions of local governments, which may have advantages in some aspects.

If sufficient funds, recommend joint-stock banks; If the small picture is convenient, state-owned banks.