CCB has a broad customer base, maintains banking business ties with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country, with about 13629 branches, overseas branches in Hongkong, Singapore, Frankfurt, Johannesburg, Tokyo, Seoul and new york, subsidiaries in London and representative offices in Sydney. The subsidiaries of CCB include China Construction Bank (Asia) Co., Ltd., CCB International (Holdings) Co., Ltd., Sino-German Housing Savings Bank Co., Ltd., CCB Fund Management Co., Ltd. and CCB Financial Leasing Co., Ltd. ..
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Since its establishment, China Construction Bank has experienced three stages:
The first stage is the period of dealing with the state financial allocation. 1954 10 after the establishment of China Construction Bank by the decision of the State Council, the central people's government, its task is to handle the allocation of national capital construction investment, manage and supervise the use of capital construction funds within the national budget and the self-raised capital construction funds of departments and units. For decades, China Construction Bank has made outstanding contributions to improving investment efficiency and accelerating national economic construction and development.
The second stage is the period of national specialized banks. Since the mid-1980s, in order to meet the requirements of economic and financial system reform and economic development, China Construction Bank has successively launched cash cashier, household savings, fixed assets loans, working capital loans for industrial and commercial enterprises, international finance, housing loans and various agency services. By opening various commercial banking services to the public, the functions of banks have been enriched and a solid foundation has been laid for the transition to modern commercial banks.
The third stage is the period of state-owned commercial banks. From 65438 to 0994, according to the requirements of the national investment and financing system reform, China Construction Bank handed over its financial functions and policy capital construction loan business to the Ministry of Finance and the China Development Bank respectively, taking an important step from its functions to a modern commercial bank.
After nearly 50 years of reform and development, China Construction Bank has the strength to participate in domestic and international market competition. By the end of June 2004, the total assets were 3,722.8 billion yuan and the total liabilities were 3,522.3 billion yuan. The capital adequacy ratio reached 8. 17%. According to statistics at home and abroad, the balance of non-performing loans of the whole bank was 65.765438 billion yuan, and the non-performing loan ratio was 3.08%, reaching the standard of 3-5% required by the CBRC. Domestic and overseas business branches 1540 1, including 6 overseas branches and 2 overseas representative offices. The bank has 263,000 full-time employees. At the same time, it wholly owns China Construction Bank, holds 43.35% equity of China International Capital Corporation and 75. 1% equity of Sino-German Housing Savings Bank.
On September 15, 2004, Central Huijin Investment Co., Ltd., China Yin Jian Investment Co., Ltd., State Grid Corporation, Shanghai Baosteel Group Corporation and China Changjiang Power Co., Ltd. held a meeting in Beijing and decided to jointly establish China Construction Bank Co., Ltd., and China Construction Bank will be transformed from a wholly state-owned commercial bank into a state-controlled joint-stock commercial bank.
After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and rights and interests of the former China Construction Bank.
After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further realize equity diversification and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance progress, and strive to turn China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good service and good benefits. Since then, China Construction Bank has started a new journey in the development process!
(1) Company's business and products: credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance, personal housing mortgage loans and other businesses.
(B) Development strategy: "China Construction Bank, building a modern life" is the essence of CCB people's philosophy and pursuit. Entering the 2 1 century, CCB will seek a broader service field and development space with excellent performance and continuous innovation.
(III) Company Scale: CCB has set up three branches and four representative offices in Hong Kong, Frankfurt and Singapore overseas. China Construction Bank has established correspondent bank relations with 600 banks around the world, covering nearly 80 countries on five continents.
(4) The key to success: we must strengthen the bank management and corporate governance structure, so that the internal reform measures of banks can be effectively implemented; We must persist in and deepen the reform of the credit system, including loan guarantee, portfolio management and bad debt solutions, integrate with the international community as soon as possible, and improve our ability to find asset quality problems and propose solutions as soon as possible; Adhere to and promote the reform of personnel and incentive mechanism, mobilize the enthusiasm of all employees, and ensure the high quality of employees.