In fact, the types of banking services and interest rates are similar. It's just that the national bank has to undertake some tasks of maintaining national stability, and the state will also give some special support and help to the national bank. In short, big state-owned banks must be relatively stable. If you want to get excess returns, you can pay attention to other banks, but the risks and fluctuations will be even greater! !

Relatively speaking, ICBC is easy to write. China Merchants Bank is the main representative of joint-stock commercial banks, which has developed rapidly in recent years, but its scale is still small. The development model is retail first, but retail does not represent the whole banking industry. China Construction Bank is called a joint-stock bank among the state-owned banks, and its comprehensive competitiveness and development potential rank first among the six state-owned banks, but it does not represent the overall level of domestic banking. China Industrial and Commercial Bank, known as Cosmic Bank, has the largest scale and the largest total profit. Its competitiveness and development potential are at a medium level in the domestic banking industry, and its risk preference is conservative and representative.

As far as profit is concerned, it is better to choose investment promotion. CCB and ICBC are large in scale, with many overseas institutions, which are greatly influenced by exchange rate, local interest rate level and social purchasing power, and there are many influencing factors after consolidation, so it is not convenient to comprehensively evaluate profitability. China Merchants Bank is the representative of China joint-stock banks. Established nearly 40 years ago, the management mechanism is relatively perfect and the profitability is stable. Personally, it is the best choice for the topic. Personal suggestions for your reference.