That is, the money transferred through the bank counter to the account you pointed out is called over-the-counter transfer. Bank counter systems generally refer to systems that are limited to handling business for customers at business outlets. Including personal business unit corporate accounts, etc. There will also be some subsystems under this system, such as the foreign exchange system in corporate business, the treasury processing system, the loan system, the security system, the anti-money laundering system, the learning and training system, etc. These systems are developed on the basis of business or are specially designed for counter business. service system. Each bank will have its own counter business processing system, through which it can serve customers and ensure the orderly conduct of business activities.

Explanation of banking business terms:

1. Surplus reserve

refers to the company withdrawing various accumulated funds from net profits in accordance with regulations. Surplus reserves are divided into two categories: public welfare funds and general surplus reserves according to their different uses. The public welfare fund is used exclusively for expenditures on welfare facilities for company employees.

2. Capital reserve

Refers to the reserve fund formed by an enterprise due to donations, equity premiums, revaluation and appreciation of statutory property during its operations. Capital reserves are credits that have nothing to do with corporate income but are related to capital. Capital reserve refers to the capital invested by investors or others into an enterprise, the ownership of which belongs to the investor, and the amount invested exceeds the statutory capital.

3. Compliance risk

According to the definition of the Basel Accord, compliance risk refers to the bank’s failure to comply with laws, regulations, regulatory requirements, rules, and self-regulatory organizations. relevant standards and codes of conduct applicable to the bank's own business activities, and may suffer the risk of legal sanctions or regulatory penalties, significant financial losses or reputational losses. From a connotation point of view, compliance risk mainly emphasizes the economic or reputational losses suffered by banks due to various reasons of their own. This kind of risk is more serious in nature and causes greater losses.

4. Capital gap

Reflects the difference between monetary funds and receivable items in the balance sheet minus the payable items. However, the capital gap in liquidation refers to all monetary funds and receivables. The total amount of inventory and fixed assets after realization is subtracted from the amount payable by the company, because the analysis can reflect how much funds the company still needs to pay the payables.