1. The hierarchy of banks from top to bottom is: Head Office, branches and sub-branches. 2. From the perspective of administrative subordination, the head office is in charge of all branches and is the highest administrative organ. Followed by branches, branch management is copied by branches. Then there are branches, sub-branches and savings offices under the jurisdiction of the branch management. 3. Branches: Guangdong Province and other major provinces. Tianjin and other municipalities directly under the central government are all tier-one branches, handling tier-one business of branches and being responsible for tier-one customers of provinces or municipalities directly under the central government. 4. Branches are composed of sub-branches, sub-branches and savings offices. 5. overall: head office > branch office > branch office. The so-called "general, branch and branch institutions" are headed by "general" and followed by "branch". Few branches report their business directly to the head office, usually through branches.
Bank rating is an evaluation of the overall financial ability of banks to pay financial debts. It is of great significance for depositors and investors to evaluate risk returns, optimize investment structure, avoid investment risks, broaden financing channels of commercial banks, stabilize capital sources, reduce financing costs, improve supervision efficiency, weaken information asymmetry in financial markets, and reduce market volatility. The credit rating of a bank generally includes three steps: first, the individual rating is determined by evaluating the independent financial strength and external operating environment of the bank. Then, determine the support rating. Finally, combining two different factors, individual rating and support rating, the bank's credit rating is obtained after discussion at the expert meeting.