Intermediaries are not reliable, and some are scammers. If the application involves banking business, it is best to go in person with a true and valid ID card to avoid other unnecessary troubles. And it cannot be done through other people or any other organizations. If you have any questions, you can ask the bank customer service. The bank channel department is mainly responsible for the management, maintenance and operation of physical outlets, vaults and self-service equipment, as well as middle and back-end business processing, such as error reconciliation, off-site business processing, remote authorization, etc. The channel department does not have its own products and services, but nowhere Not here. It can be said that it is the blood system of the bank. All business needs to be carried out relying on the outlets and equipment managed by the channel department.

1. Generally speaking, the channel department has the largest number of personnel in the bank management department, but compared with other business departments and management departments, its voice is relatively weak. It has no independent personnel and financial rights, no credit, only hard work. Moreover, in the event of a case or risk incident, as long as it has something to do with the channel, the channel department should bear the responsibility, and it will definitely be the one who takes the blame. There is no small matter in canal transportation. Internal control processes are complex and locked down. It is subject to multiple inspections, audits and external oversight by its own department each year. In the future, with the introduction and use of digital currencies, cash will gradually disappear, the most critical functions of the channel department will no longer exist, and the importance of the department will be greatly reduced.

2. The bank channel department is mainly responsible for the following three aspects: first, to maintain developed channel relationships and regularly visit bank presidents, financial managers and other bank leaders; second, after the development of new products is completed, It is necessary to conduct small-scale training for all bank employees to let them understand the design concept and selling points of the products; thirdly, when selling precious metal products, the bank will hold activities such as salons, exhibitions, and stops. When the bank holds these activities, the channel department needs to serve the bank's key customers on-site, provide some planning, and give the bank some help.

3. Loans can generally be carried out according to the following steps: Prepare information. Individuals must first prepare the materials required for a bank loan, which generally include loan application, customer ID card, household registration, income certificate, marriage status certificate and other materials (customers with a spouse should also provide their spouse’s ID card and household register). If you are a mortgage customer, you need to provide proof of title to the mortgage; if you are an unsecured loan customer, you need to provide a good credit record. Apply. After the customer has prepared the relevant materials, he or she can apply for a loan at the bank or the law firm entrusted by the bank. After the customer submits relevant materials to the bank and pays various fees to the customer, he or she needs to sign a loan contract with the bank as a legal document that is binding on both parties. Payment review. If it is a home purchase loan, the law firm entrusted by the bank will first review the customer's application. If the application is qualified, the bank will conduct final loan approval; if the review is unqualified, the bank will refund the customer's relevant information and fees collected.