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There are many kinds of banking business, that is, the business handled by banks:
A, according to the complexity of the salesman and the degree of dependence on outlets.
1, traditional business, including loans, foreign exchange trading, trade financing, etc.
2. Complex business, including derivative products, structured financing, leasing, etc.
Second, according to the composition of the balance sheet
1. Liabilities: including deposits, loans and interbank business.
2. Assets business: including loans, securities investment and cash assets business.
3. Intermediary business: including trading business, clearing business, payment and settlement business, bank card business, agency business, custody business, guarantee business, commitment business, wealth management business, electronic banking business, etc.
The functions of commercial banks:
1, as a credit intermediary. This is the most basic function of banks.
2. Act as a payment intermediary. On the basis of handling debt business, commercial banks play the role of payment intermediary when handling currency receipt and payment, currency exchange and deposit transfer.
3. Credit creation function. Commercial banks absorb demand deposits and issue loans. On the basis of cheque circulation and transfer settlement, loans are converted into deposits, which increases the source of funds for commercial banks. Finally, derivative deposits that are several times the original deposits are formed in the whole banking system, giving play to the function of credit creation and expanding the social money supply.
4. Financial services. With the help of advanced means and tools such as computers, we provide customers with various financial services such as information consultation, financing agency, trust lease, collection and payment.
According to the complexity of business and the dependence on outlets, banking business can be divided into two parts: one part is traditional business, including general loans, simple foreign exchange trading and trade financing. , mainly supported by a large number of branch outlets and business volume.
In addition, there are complex businesses, such as derivative products, structured financing, leasing, introducing strategic investors, mergers and acquisitions, etc. These are high-tech and high-profit business areas, which are not very dependent on the branch network.
According to the composition of its balance sheet, banking business is mainly divided into three categories: liability business, asset business and intermediary business. Debt business is the business of commercial banks to form a source of funds, and it is an important basis for intermediary business and assets of commercial banks. The liability business of commercial banks is mainly composed of deposit business and loan business.
Asset business is the business that commercial banks use funds, including loan business, securities investment business and cash asset business. Intermediary business refers to the business that does not constitute on-balance-sheet assets and liabilities of commercial banks and generates non-interest income, including trading business, clearing business, payment and settlement business, bank card business, agency business, custody business, guarantee business, commitment business, wealth management business and electronic banking business.