How powerful is Jiangyin Bank?

Jiangsu Jiangyin Rural Commercial Bank is one of the first three joint-stock rural commercial banks in China, which was established on the basis of Jiangyin Rural Credit Cooperative Association and approved by the head offices of the State Council and China People's Bank.

It mainly provides financial services for farmers, agriculture and rural economy in the city. Its comprehensive economic benefits rank in the forefront of the province's credit cooperative system; The total scale of deposits and loans ranks among the best among all financial institutions in the city.

Jiangsu Jiangyin Rural Commercial Bank adheres to the enterprise spirit of "casting essence, enlightening wisdom, creating great achievements and making common progress", and gives full play to the advantages of strong financial strength, dense distribution of outlets, access to the whole city and exercising legal person authority, which has made great contributions to the local economic development in Jiangyin. With the deepening of China's rural financial system reform, Jiangsu Jiangyin Rural Commercial Bank is moving towards the goal of becoming a first-class joint-stock commercial bank with flexible operating mechanism, high service level, excellent asset quality, good economic benefits and strong competitiveness.

I. Development

The asset scale and after-tax profit of China's banking industry have increased substantially year by year. 20 1 1 year, the profits realized by China's banking industry account for nearly one third of the total profits of the global banking industry. The scale of China's banking industry is developing rapidly, but under the background of accelerating interest rate marketization, intensifying internal and external competition and declining profit growth, banking financial institutions must make corresponding strategic adjustments in business structure, resource allocation and regional layout.

With the increasingly fierce competition in the banking industry, banking financial institutions pay more and more attention to the follow-up study of the industry development environment and market demand, especially the in-depth study of the banking business development environment and customer demand trends. Because of this, a large number of excellent domestic banking institutions have risen rapidly, gradually forming their own business characteristics and becoming industry leaders or rookies!

Second, classification

1. Central banks: For example, the People's Bank of China (PBC), the Federal Reserve and the Bank of England.

2. Regulators: such as China Banking Regulatory Commission (CBRC).

3. Self-regulatory organizations: such as China Banking Association (CBA).

4. Banking financial institutions: including policy banks, five large commercial banks (industry, agriculture, construction, China and communications), 12 national small and medium-sized joint-stock commercial banks (China Merchants, Pudong Development Bank, CITIC, Minsheng, Xingye, Ping An, China Everbright, Guangfa, Zheshang, Bohai and Hengfeng), city commercial banks and rural commercial banks (China Merchants, China Merchants, China Merchants, China Merchants, China Merchants and China Merchants).

Third, the role

A bank is an enterprise dealing in money, and its existence is conducive to raising and financing social funds. It is a very important member of financial institutions.

We can see the business of the bank. On the one hand, it collects idle monetary funds and small monetary savings in society by absorbing deposits, and then lends them to people who need to replenish money in the form of loans. Here, banks act as intermediaries between lenders and borrowers.

On the other hand, banks handle the payment and settlement of money for commodity producers and businessmen, and also act as payment intermediaries. In short, banks play the role of credit intermediaries.

The basic functions of commercial banks include: credit intermediary, payment intermediary, credit creation and financial services.