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China City Commercial Bank (CCB) Industry Overview, 2011-2020

Published By :

China Research and Intelligence Co., Ltd. (CRI)

Published Date : Jun 2016

Category :

Banking

No. of Pages : 30 Pages

In China, city commercial bank is basically the same as normal commercial bank, engaging in financial business permitted by People's Bank of China including deposit and loan, settlement, remittance, and intermediate business.

The biggest difference between city commercial bank and normal commercial bank is the dissimilar service field. City Commercial Bank is reformed from the former city credit union and foundation. As a regional financial institution, its service region is much smaller than other commercial banks such as Industrial and Commercial Bank of China,Agricultural Bank of China, Bank of China, China Construction Bank.
By the end of 2015, there were 132 city commercial banks in China. Ranked by the asset scale, Bank of Beijing, Bank of Shanghai, Bank of Jiangsu, bank of Ningbo and Bank of Nanjing were in the front.

By the end of 2015, total assets of city commercial banks reached CNY 22.68 trillion, with a 25.4% growth compared to the early 2015, accounting for more than 11% of total assets in the banking industry.

City commercial banks keep stable growing which supports China's steady economic growth. On the one hand, they actively take all kinds of important strategic opportunities to seek cooperation with big clients; on the other hand, they continually strengthen to support for agriculture, small enterprises, especially to support small enterprises, which can acquire more loans from CCBs.

By the end of 2015, loan balance of all china commercial banks offered to small enterprise (including small enterprise loan, individual business loan and small business owner loan) totaled CNY 17.67 trillion, with an increase of 10.91% compared to the beginning of 2015. Among them, loan from city commercial banks to small enterprises accounted for 21.05%, which was almost the same as that from joint-stock banks, slightly lower than that from state-owned commercial Banks. In 2015, loans from city commercial banks to small enterprise increased by 16.02 % year on year, which is far higher than the overall level of that from commercial banks, large state-owned banks as well as joint-stock banks.

To supplement capital as soon as possible, China's city commercial banks focus on the Hong Kong stock market in succession. Bank of Qingdao, Bank of Jinzhou bank, Bank of Zhengzhou were listed in HKex to get financing.

  • On Dec. 3, 2015, Bank of Qingdao officially was listed in HKex. The issued scale of Bank of Qingdao added up to 947 million, with the price of HKD 4.75 per share. It raised nearly HKD 4.5 billion.
  • On Dec. 8, 2015, Bank of Jinzhou was officially listed in HKex, which sold 1.32 billion shares in total. The final price was HKD 4.66 per share and it raised HKD 6 billion in total.
  • On Dec. 23 2015, Bank of Zhengzhou was officially listed in HKex, which sold 1.32 billion shares in total. The final price was HKD 3.85 per share and it raised HKD 5 billion.
  • In terms of comprehensive operation, most city commercial banks operate with fund companies, financial leasing companies based according to their own status. Among them, large city commercial banks progressed fast.
  • In terms of differential operation, city commercial banks concentrate manpower and material resources through cultivating the core business to develop their own advantages because of the big gap between large state-owned banks and joint-equity banks in manpower and material resources. 

Through This Report, readers can get more: 

  • Definition and Classification of City Commercial Bank
  • Parameter and Hypothesis
  • Competition of China City Commercial Bank Industry
  • Top 10 City Commercial Banks in China
  • Development Opportunity of China City Commercial Bank Industry
  • Major Forces Driving the Development of China City Commercial Bank Industry
  • Risk Facing the Development of China City Commercial Bank Industry
  • Analysis on Major Operation Cost of City Commercial Banks in China

Table of Contents

1 Research Methodology of City Commercial Bank Industry

1.1 Definition and Classification of City Commercial Bank
1.2 Parameter and Hypothesis
1.3 Reliability Validation
1.4 CRI Profile

2 Operation of China City Commercial Bank Industry 2011-2020
2.1 Development Environment of City Commercial Bank Industry
2.1.1 Economy Environment
2.1.2 Policy Environment
2.2 Supply Condition of China City Commercial Bank Industry
2.3 Market Scale of City Commercial Banks in China
2.4 Major Client Group of City Commercial Banks in China

3 Analysis of Competition of China City Commercial Bank Industry ,2011-2020
3.1 Barriers to Entry for City Commercial Banks
3.1.1 Policy Barriers
3.1.2 Fund Barriers
3.1.3 Client Resource Barriers
3.2 Competition Structure of City Commercial Bank Industry
3.2.1 Supplier Bargaining Power
3.2.2 Client Bargaining Power
3.2.3 Internal Competition of City Commercial Bank Industry
3.2.4 Potential Entrants of City Commercial Bank Industry
3.2.5 Substitutes of City Commercial Bank

4 Analysis of Top 10 China City Commercial Banks, 2013-2015
4.1 Bank of Beijing
4.1.1 Enterprise Profile
4.1.2 Market Share of Bank of Beijing
4.1.3 Analysis on Status of Bank of Beijing in City Commercial Bank Industry
4.2 Bank of Jiangsu
4. 2.1 Enterprise Profile
4.2.2 Market Share of Bank of Jiangsu 
4.2.3 Analysis on Status of Bank of Jiangsu in City Commercial Bank Industry
4.3 Bank of Shanghai
4. 3.1 Enterprise Profile
4.3.2 Market Share of Bank of Shanghai
4.3.3 Analysis on Status of Bank of Shanghai in City Commercial Bank Industry
4.4 Bank of Ningbo

4. 4.1 Enterprise Profile
4.4.2 Market Share of Bank of Ningbo
4.4.3 Analysis on Status of Bank of Ningbo in City Commercial Bank Industry
4.5 Bank of Nanjing
4. 5.1 Enterprise Profile
4. 5.2 Market Share of Bank of Nanjing
4. 5.3 Analysis on status of Nanjing Bank in City Commercial Bank Industry
4.6 Huishang Bank
4.7 Shengjing Bank
4.8 Bank of Tianjin
4.9 Bank of Hangzhou
4.10 Xiamen International Bank
4.11 Analysis on Advantageous Enterprises

5 Analysis on Deposit and Loan Interest Rate of China City Commercial Bank Industry, 2013-2015
5.1 Analysis on Deposit Interest Rate,  2013-2015 
5.1.1 Tendency
5.1.2 Analysis on Undulation Factors
5.2 Analysis on Loan Interest Rate ,2013-2015
5. 2.1 Tendency
5.2.2 Analysis on Undulation Factors

6 Predictions on the Development of China City Commercial Bank Industry, 2016-2020
6.1 Factors Influencing Development
6.1.1 Major Driving Forces and Market Opportunities
6.1.2 Threats or Challenges
6.2 Prediction on Industry Supply  
6.3 Prediction on Market Demand 

List of Table

NA

List of Chart

Chart Total Assets (CNY 1 billion) of China City Commercial Bank Industry, 2011-2015
Chart Total Assets (CNY 1 billion) of China Large Commercial Banks, 2011-2015
Chart Top 10 City Commercial Banks in China, 2013-2015
Chart Operation Revenues of Bank of China, 2013-2015
Chart Operation Revenues of Bank of Jiangsu, 2013-2015
Chart Market Share of Bank of Jiangsu in China City Commercial Banks
Chart Operation Revenues of Bank of Shanghai, 2013-2015
Chart Market Share of Bank of Shanghai in China City Commercial Banks
Chart Operation Revenues of Bank of Ningbo, 2013-2015
Chart Benchmark Interest Rate of RMB Deposit in Financial Institution, 2013-2015
Chart Benchmark Interest Rate of RMB Loan in Financial Institution, 2013-2015
Chart Total Deposits of China City Commercial Banks, 2011-2020
Chart Total Loan of China City Commercial Banks, 2011-202

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