What does bank reconciliation include?

1. Bank reconciliation business:

1. Bank reconciliation business is the reconciliation of accounts between the bank and the account-opening unit, which mainly includes daily reconciliation once a month. There are balance reconciliations performed 1-2 times a year, and some are surprise reconciliations organized within the bank due to risk prevention and control needs (generally organized by the Banking Regulatory Bureau).

2. The monthly reconciliation is performed by the customer who takes the initiative to go to the bank to get the statement and check the transaction amount, balance and other details of his or her business without feedback to the bank; other forms of reconciliation are generally performed by The bank proactively contacts the customer, only checks the balance of the account at that point in time, and requires the customer to stamp the confirmation.

2. Bank Reconciliation (Bank Reconciliation) is a contact sheet between the bank and the enterprise for verifying the accounts. It is also a record confirming the business transactions of the enterprise. It can also be used as the basis for the enterprise's capital flow, and most importantly It can determine the size of the company's capital for a certain period of time. Statements are required in many places, such as capital verification, investment, etc. Postal Savings Bank statement business includes

Bank reconciliation details are generally issued once every month and can be used to reconcile accounts for a year. The statement is timely only when it is stamped by the bank. What does the postal statement business include?

The postal service has ready-made resources to develop the billing business. There is no need to start a new one. Both pre-production and post-delivery are strongly guaranteed. This advantage provides technical support for the postal service to develop the billing business. . Delivery alone is unmatched by any company. In addition, since the profit of the billing business is small (for a single item) and the work is relatively cumbersome, although many companies see this potential broad market, they are unwilling or unable to do it, and the postal service can fully seize this point. , relying on its own advantageous resources, strives to develop the billing market, usher in another spring for the development of the mail business, and add new impetus to the development of the postal service.

Developing postal billing business is low-cost and has considerable benefits. The postal service already has the necessary conditions to develop its billing business and has obvious advantages. It does not need to invest larger funds to develop this new business. At the same time, because this advantage has long been recognized by merchants and consumers, the early investment in publicity expenses has been greatly reduced in the development of this business. From the perspective of results, even the most common bill income is more than 0.4 yuan. And the benefits brought by some efficient bills are even more impressive. Judging from the early development of this business, the situation and results are also very attractive. Especially after the State Post Bureau put forward the goal of "over 10 billion letters", various post offices have taken various measures to develop the billing business, and the billing business has grown by leaps and bounds. For example, in 2002, Jinan Bureau only developed the insurance billing business and had an income of 228,000 yuan. Laiyang Bureau only officially put billing business on its work agenda in 2005. In the first quarter of that year, it developed 73,600 pieces of billing business and earned an income of 62,100 yuan. There is no doubt that the billing business has become a new profit growth point in the development of the postal service. At the same time, as a long-term business, the benefits of billing business are not only reflected here. Through the development of this business, the overlapping functions of the delivery network can also be added, service costs can be reduced, and the comprehensive service capabilities of the network can be improved. At the same time, taking this as an opportunity, the Post Office can further collect and improve the development and construction of the name and address information database, and conduct subdivision and integration to create conditions for the development of other postal businesses. Furthermore, using the billing business as a breakthrough point, the Postal Service has strengthened communication with customers and extended its cooperation with enterprises and merchants to include China Post advertising, postage stamps, outdoor advertising and other businesses.

The growth and benefits of the billing business have been recognized. Postal units at all levels have gradually increased their emphasis and development efforts on this work, and achieved initial results. But as a new business, it still needs to study many issues, and many things still need to be gradually explored in the work. Judging from the current work progress, there are several tasks that need to be strengthened urgently.

First, set up a special bill project development research group. Judging from the current business development situation, most bureaus have developed it as part of the business letter advertising business and have not designated a dedicated person to be responsible for it. This has resulted in the slow development of this business and lack of stamina. By establishing a research group, we can increase our efforts in billing business development to a great extent and form a professional marketing advantage.

At the same time, it can also improve the resolution of problems and difficulties encountered during the development process, shorten the resolution time limit, and provide professional technical support for expanding and strengthening the postal billing business in the future.

The second is to adhere to the principle of "concentrate on one point and make key breakthroughs". Due to different natural economic conditions and different degrees of marketization in various places, the situations they face are also different. Therefore, when developing this business, all localities should start from the actual local situation, based on the principle of seeking truth from facts, start with a thorough investigation of suppliers in the region, and first select some businesses with good profits and high reputations or businesses in telecommunications, electricity, medical, etc. Transportation, etc. are regarded as key public relations objects. Integrate advantageous resources, cut into one point, and do a good job in business promotion, in order to achieve a development situation that is based on one point, accumulate experience and strength for later development, and achieve a solid foundation. If we do not pay attention to this point, we will start a swarm of bees and seek perfection, which will inevitably lead to too many failures and many setbacks, which will affect the development of later work.

The third is to strengthen staff training during the delivery stage to ensure the quality of bill delivery. The delivery link is a key factor affecting the development of the billing business. The quality of the work at this stage will directly affect the development of the billing business, so it must be paid attention to. Increase delivery training, improve delivery staff's understanding of this business, enhance their sense of responsibility, and ensure the quality of bill delivery. At the same time, we should also strengthen the collection of name and address information database. Unknown addresses and too simple addresses in the name and address database are also important reasons for delivery difficulties. In addition, researching the best delivery solution is also an issue we have to consider.

The fourth is to actively seek the support of the ***, fully mobilize and give full play to the good collaborative relationship between the postal service and the industrial and commercial departments, and make them aware of the current role of the postal service by doing the work of the *** and industrial and commercial departments. The integrity education carried out advocates the positive role that can be played in consumption activities, and then uses the various activities they carry out to promote the postal billing business and build momentum for the postal billing business to become bigger and stronger.

Of course, in order to truly expand and strengthen the postal billing business, in addition to the above-mentioned work, there are many other tasks to be done. For example, the research and development of billing functions, especially how to fully tap its overlay functions, as well as billing rate settings and how to provide personalized services, also require in-depth discussion and research.

Practice has proved that the development of postal billing business will help promote the traditional postal business-letter business to form a new round of development***, and will also help the postal service win more in the fiercely competitive environment. With the market and more partners, the postal billing business will surely become a new driving force for the development of the postal mail business in the future! More importantly, vigorously developing the billing business will have a positive role in promoting the harmonious development of consumers, merchants, enterprises and even the entire society. The win-win situation conforms to the trend of the times and meets the needs of social development. What does the bank's business include?

Personal business mainly includes:

Personal savings business

Including: RMB savings deposits, foreign exchange savings deposits, small accounts, education savings deposits

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Personal consumption loans

Including: personal car consumption loans, personal comprehensive consumption loans, personal small short-term credit loans, personal pledge loans, personal student loans

Personal housing loans

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Including: personal home purchase loan, personal commercial home loan, personal second-hand home loan, personal home decoration loan, personal home consumption loan, personal housing provident fund loan

Personal foreign exchange business

Including: Foreign exchange remittance and Huishitong personal foreign exchange financial products, personal foreign exchange pre-settlement business, foreign exchange purchase business, foreign currency exchange agency, overseas consumption tax refund business, agency sale and redemption of foreign currency traveler’s checks, foreign exchange collection, issuance of certificate of deposit, issuance of foreign currency portability certificate

Personal Intermediary Business

Includes: agency business, personal finance, remittance, through-train, open-end fund, over-the-counter accounting, bond trading, personal settlement account early withdrawal and loss report business

Personal electronic banking

Including: personal online banking, personal phone banking, personal mobile banking, B2C online shopping mall, what banking derivatives include

Financial futures generally refer to futures contracts, which are uniformly formulated by futures exchanges and stipulated in a specific future in the future. A standardized contract that delivers a certain amount of underlying assets at a certain time and place.

The underlying asset, also called the underlying asset, is the spot corresponding to the futures contract. This spot can be a certain commodity, such as copper or crude oil, or it can be a financial instrument, foreign exchange, bond, or a certain financial indicator. , such as three-month interbank interest rates or stock indexes. Generally speaking, the ultimate goal of futures trading is not the transfer of commodity ownership, but to avoid spot price risks through the purchase and sale of futures contracts. Futures are divided into two types: commodity futures and financial futures. Financial futures are futures with financial instruments or financial assets as the subject matter

Financial forward contract Financial forward contract refers to an agreement between the two parties at a certain time in the future , a contract to buy or sell a certain amount of a certain financial asset at a determined price. Forward contracts are mainly created to avoid the risks of spot transactions, but forward contracts have poor liquidity and their performance is not guaranteed, so the risks of forward contracts themselves are higher. Depending on the subject matter, forward contracts mainly include forward foreign exchange contracts, forward interest rate agreements, forward stock contracts, etc.

Financial options An option is an option, which refers to the ability of the buyer to buy or sell a certain amount of a certain financial instrument at a specific price at a specific time in the future after paying a certain premium. rights to assets. Financial options are options contracts with financial instruments as the subject matter. After the option contract is signed, the buyer has the right to decide whether to buy or sell a certain financial asset, but has no obligation to buy or sell it. Once the buyer decides to buy or sell a financial asset, the seller must follow the contract. The stipulated content shall be fulfilled unconditionally. Options generally include stock options, interest rate options and currency options. What does the intermediary business of commercial banks include?

In the "Notice on Issues Concerning the Implementation of the Interim Provisions on the Intermediary Business of Commercial Banks" (2002), the People's Bank of China classified the intermediary business of domestic commercial banks into nine categories:< /p>

1. Payment and settlement intermediary business refers to the charging business related to currency payment and fund transfer caused by the relationship between claims and debts handled by commercial banks for customers, such as check settlement, import bill bill, acceptance bill, etc.

2. Bank card business is a credit payment instrument issued to the society by authorized financial institutions with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.

3. Agency intermediary business refers to the business in which commercial banks accept entrustment from customers, handle economic affairs designated by customers on their behalf, provide financial services and charge certain fees, including agency policy banking business, collection and payment agency Business, agency securities business, agency insurance business, agency bank card acquiring business, etc.

4. Guarantee intermediary business refers to the business in which commercial banks provide guarantees for customers’ debt repayment capabilities and bear the risk of customer default. Including bank acceptance bills, standby letters of credit, various types of letters of guarantee, etc.

5. Commitment-type intermediary business refers to the business of commercial banks providing agreed credit to customers on a certain date in the future according to pre-agreed conditions, including loan commitments, overdraft lines and other revocable commitments and standby credit lines There are two types of irrevocable commitments, such as repurchase agreements and bill issuance facilities.

6. Transaction intermediary business refers to the capital trading activities carried out by commercial banks using various financial instruments to meet the needs of customers for value preservation or their own risk management, including futures, options and other financial derivative businesses.

7. Fund custody business means that commercial banks with custody qualifications accept the entrustment of fund management companies to safely keep all the assets of the funds under custody and handle fund liquidation, fund transfer, and accounting for the funds under custody. Accounting, fund valuation, and supervision of manager investment operations.

8. Consulting business is a business where commercial banks rely on their own advantages in information and talents to collect and organize relevant information, combine the characteristics of bank and customer fund movements, and form a systematic plan to provide customers with , service activities to meet its operation and management needs, mainly including financial consulting and cash management services.

9. Other types of intermediary business, including safe deposit box business and other businesses that cannot be classified into the above eight categories.

What does bank intermediary business include

1) Payment and settlement intermediary business

Checks

Bills of exchange

Cashier's checks

2) Bank card business

3) Agency intermediary business

Agency for policy banking business

Agency for People's Bank of China business

Commercial banking agency business

Collection and payment agency business

Securities agency business

Insurance agency business

4) Guarantee intermediary business< /p>

Bank acceptance bill

Standby letter of credit

Commercial letter of credit

Various types of guarantee business

5) Commitment Class intermediary business

Loan limit

Facilitation of bill issuance

6) Transaction class intermediary business

Forward

< p> Futures

Options

Swaps

7) Fund custody business

8) Consulting business

< p> Corporate information consulting business

Asset management consulting business

Financial consulting business

Cash management business

9) Other types of intermediary business

Other types of intermediary business include safe deposit box business and other businesses that cannot be classified into the above eight categories. What does the asset business of the central bank include?

The business of the central bank can be divided into liability business, asset business business and intermediary business. Asset businesses include: loans, rediscounts, securities trading, custody of gold and silver foreign exchange reserves, etc. Liability business includes: currency issuance, agency for the treasury, centralized deposit reserves, occupation of liquidation funds, other liability businesses, etc. The agency business of commercial banks includes

The agency business includes collection and payment services, agency banking, securities, insurance services and other agency services. So choose ABD