Question 2: What is the main job of the bank's international business department? 1. Responsible for drafting the annual foreign exchange business development plan of the whole bank, organizing the implementation of the foreign exchange business development plan, and supervising the implementation of the development plan;
2. Responsible for the centralized operation and management of international settlement, foreign exchange fund settlement and foreign exchange fund operation, and the operation and management of international payment application and foreign exchange settlement and sale;
3. Be responsible for the foreign investment management of the whole bank, the system of declaration, inspection, guidance, inventory and risk control of foreign-funded projects, and the declaration and approval of international trade financing;
4. Responsible for organizing various management activities of the international business department, establishing electronic foreign exchange business, and maintaining, upgrading, transforming and managing the B I B S system;
5. Taking responsibility refers to guiding the development of foreign exchange business of the whole bank, including market candidates and withdrawal management, fulfilling the self-regulatory function of international business departments, and ensuring the healthy and rapid development of foreign exchange business;
6. Be responsible for the marketing and promotion of foreign exchange products, pay close attention to the changes of foreign exchange products and related laws, regulations and political policies, ensure the products meet the requirements, regularly release the market changes of foreign exchange products to superior banks or systems, and carry out the promotion and training of foreign exchange products;
7. Be responsible for the business training of foreign exchange business personnel;
8. Be responsible for other work of bank leaders and leaders.
Question 3: What conditions do you need to work in the international business department of a general bank? The international business department generally requires you to have a foreign language of NB. I have a colleague who graduated from Beijing Foreign Studies University and worked in a cross-factory department for one year. Generally, banks recruit a teller first, and then recruit other positions (unless you have a very strong academic background or a very strong background). There are many directions in financial work, such as banking, insurance, securities, venture capital, financing and trust.
Question 4: What does the international business department of a bank do? Is it easy to get in? 1. International business is specifically divided into international settlement and trade financing;
2. International settlement is divided into trade, non-trade and capital business, and trade includes letter of credit, remittance and collection;
3. Trade financing includes many imports and exports, such as import bills, export bills, packaged loans, forfaiting, factoring, etc., which are highly technical; Also very developed;
As for the opportunity, you can only fight for it yourself, and there are few opportunities to go abroad; There will be many training opportunities;
Anyway. Compared with RMB business, there is room for development. Good luck.
Question: What kind of bank business is VISA? VISA and MasterCard are not banks, but banking institutions, just like UnionPay in China.
VISA card refers to an international credit card issued by any bank, one marked MASTER.
VISA is like UnionPay in China, and VISA International is the largest international credit card organization in the world. It is a non-profit international organization with the participation of banks all over the world. Its members are banks and other financial institutions, and it has established a global payment and financial service network.
There are two major organizations in the world: Visa International and MasterCard International.
If the VISA logo is printed on the card, it proves that the credit card has joined the VISA organization and can be used in the banking system under its network.
1959, Bank of America issued the first bank credit card. 1965, American commercial banks that developed credit cards began to expand their national business, and in the coming year, they licensed their trademarks to other banks and issued Bank Americard with blue, white and gold patterns. In the same year, 14 eastern banks established the inter-bank credit card association in Buffalo, new york. After its establishment, Bank of America was its main competitor. In order to expand their business, American commercial banks have become National Bank American Incorporated (NBI), banks that used to use authorized trademarks have become non-controlling members of NBI, and American commercial banks have also expanded their business outside the United States. However, Bank American, which has a strong color of American commercial banks, has not been favored by foreign banks. 1966, American banking service company. (BSC) established. 1970 BSC Company was renamed National Bank America Company (NBI) to provide credit card services for banks all over the United States. 1977, NBI was reorganized into visa international, namely visa international group. VISA card international organization is a credit card organization composed of members of international banks. It has no shares and belongs to a non-profit organization. Headquartered in San Francisco, California, USA. VISA helps members develop various VISA payment tools (also known as credit cards) and traveler's checks; Provide various visa products and services for members; Help members make profits by using VISA products and services; Reduce the repeated investment of members in the network, and provide automatic "cashless" payment tools and systems for members, consumers and special merchants! Visa is not only synonymous with payment cards or credit products. Products and services branded with Visa represent the safest, most convenient and most reliable payment method, allowing consumers to trade at any time, anywhere and in any way. Visa is committed to cooperating with the People's Bank of China and banks in China to ensure that the payment industry in China can strongly support the sustained and rapid economic development in the future, which is the kind of card that people often swipe in shopping malls, commonly known as bank card/credit card/financial card.
Question 6: What does the corporate business of a bank mean? Including enterprise electronic banking, enterprise deposit business, credit business, institutional business, international business, entrusted housing finance, fund settlement, intermediary business, asset recommendation, fund custody, etc. In layman's terms, it is "corporate business", corporate business.
Various businesses mainly deal with personal local and foreign currency savings, receipt and payment, issuance of bonds such as treasury bonds, small pledged loans, collection of savings deposits in different places, credit cards, savings cards, settlement on behalf of shareholders, custody on behalf of individuals, personal electronic remittance, telephone banking, etc. We can also consider this a private matter. Personal affairs.
It can be said that those who go to the bank for business as individuals are called "private business" and those who go to the bank for business as units are called "public business".
Question 7: What do you mean by not handling foreign business? You can call the Agricultural Bank of China at 95599, report the card number, check the bank, and then transfer money.
Question 8: What are the main businesses of banks in international trade? Cross-border RMB settlement: settlement and sale of foreign exchange, remittance, collection, letter of credit, etc.
International trade financing: bills, credit guarantee financing, packaged loans, invoice financing, etc.
Question 9: What is the so-called bank clearing business? Bank clearing business refers to the process and method of clearing bilateral or multilateral creditor's rights and debts in settlement and payment through the local clearing system of accounts or related currencies. Geographically, clearing business can be divided into domestic interbank clearing and international clearing. There are four common liquidation modes: real-time full liquidation, net approved liquidation, large fund transfer system and small regular liquidation. 1. Domestic interbank clearing Domestic interbank clearing is divided into intra-system interbank clearing and inter-system interbank trading according to whether the transactions belong to the same bank. Inter-bank clearing in the system includes inter-bank transactions, intra-bank transactions and intra-bank transactions nationwide. Inter-system fund settlement must be handled by the People's Bank of China. 2. International Settlement International settlement business is a process and method used to settle bilateral or multilateral creditor's rights and debts in the settlement and payment between international banks. The types of international settlement are mainly divided into internal transfer type and exchange type.
Question 10: What are the responsibilities and work contents of various departments in the bank? 1 office: set up an office of the head office to be responsible for the comprehensive coordination of the head office, official document processing, supervision and research, confidential files, meetings of branch presidents and other important documents drafting, publicity and liaison, letters and visits, administrative and financial management, etc.
2 Management Information Department: in charge of business statistics and information work of the whole bank, responsible for compiling various business statistics reports, comprehensively analyzing and evaluating the business management status of the whole bank, organizing investigations and studies, publishing information on the Internet, and collecting and processing various economic and financial information. Responsible for the office automation of the head office.
3. Planning and Finance Department: Prepare the Bank's comprehensive business plans such as capital operation plan, financial plan and infrastructure plan, and supervise their implementation. Responsible for asset-liability ratio management, financial management, interest rate management, capital construction and fixed assets management. Assess the implementation of the target responsibility system of branch presidents and departments.
4. Capital Operation Department: responsible for managing RMB capital positions of the whole bank, balancing, dispatching and financing funds. Including undertaking the RMB fund management of the whole bank, scientifically formulating the fund operation plan according to the principles of safety, liquidity and efficiency, and uniformly allocating the funds of the whole bank through internal fund transaction price, deposit reserve, intra-system lending, internal fund transaction, etc., so as to realize the asset-liability management goal of the whole bank. By participating in the operation of the interbank lending market, bill market and bond market in China, we will intensively manage funds, improve the efficiency of fund use and promote the operating efficiency of the whole bank.
Personal Finance Department: responsible for the unified development and management of personal finance business, including local and foreign currency savings business, personal intermediary agency business, personal wealth management business and consumer credit business.
Corporate Banking Department: responsible for the marketing, customer management and service management of corporate finance business of the whole bank, organizing syndicated loans, entrusted agents and entrusted loans for corporate customers, coordinating relevant resources in the bank, and providing one-stop services and package solutions for corporate customers.
Credit Management Department: responsible for credit policy management, system management and business monitoring of the whole bank, including organizing credit policy research, formulating industry credit guidelines, credit approval, monitoring analysis and credit management of the whole bank, and undertaking the work of the secretariat of the credit policy committee of the Head Office.
Housing finance business department: responsible for the formulation of housing finance policies and systems, as well as business marketing, monitoring and management; Responsible for securitization of housing mortgage loan.
Asset Risk Management Department: responsible for risk control and management of credit assets, investments and other assets of the whole bank. Formulate bank-wide asset risk control and management policies, classify and monitor asset quality, organize the collection and transformation of non-performing assets, and be responsible for bank-wide creditor's rights management and write-off of bad debts.
10 accounting settlement department: responsible for accounting system management, accounting system reform, accounting information monitoring and accounting information disclosure, organizing product research and development and market promotion of settlement business, promoting the process of accounting computerization, and organizing comprehensive business system parameter management. Responsible for bank-wide fund settlement business, including RMB fund settlement, foreign exchange fund settlement, account management and supervision and inspection of fund transactions; Responsible for fund sales registration.
1 1 International Business Department: responsible for the management of the international business system of the whole bank; Responsible for the management of international settlement and external financing business; Establish and develop foreign correspondent bank relations; Establish and manage overseas institutions and joint ventures of the Bank; Responsible for the operation and management of the exchange fund business; Manage the foreign affairs of the whole bank.
12 business department: responsible for directly operating the local and foreign currency business of the head office, mainly including national group companies, large outstanding listed companies, world top 500 multinational companies and other outstanding multinational companies investing in China, key enterprises in monopoly and growth key industries, large-scale low-risk loans and credit asset transfer business of the head office, etc.
13 legal affairs department: in charge of legal affairs of the whole bank, handling economic litigation (arbitration) cases, internal economic disputes and other legal affairs.
14 credit evaluation department: responsible for loan project evaluation, corporate credit rating, standard line establishment, information consultation and credit investigation of the whole bank.
15 information technology department: responsible for the organization and management of electronic construction of the whole bank, formulating the development plan and institutional measures of information technology of the whole bank, and organizing the management of scientific and technological projects, information engineering construction and safe operation of the whole bank, including computer system and network construction, application product design and development, computer equipment configuration and technical training.
16 Audit Supervision Bureau: responsible for the audit supervision of the whole bank. Draw up audit work plan, formulate audit work system and measures, and organize relevant departments of the Head Office. & gt