First of all, it is necessary to find out the service fees of bank cards, mainly including annual fees and small management fees (some are calculated according to the daily average and monthly average assets in 300 yuan, and some are calculated according to the assets in 500 yuan). When the account balance is 0 and has not been used for a long time (usually two years), the bank card will automatically go to sleep, also known as sleep card. At this time, if you want to continue to use it, you need to bring your ID card to the bank counter to activate it. Usually, every bank will cancel sleep card's account regularly. After the account is cancelled, the bank card will automatically become invalid and only a new card can be issued.
Banking business refers to the business handled by banks. According to the complexity of business and the dependence on outlets, banking business can be divided into traditional business and complex business. According to the composition of its balance sheet, banking business is mainly divided into three categories: liability business, asset business and intermediary business.
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.
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, loan business and interbank business. Liabilities are debts that can be measured in money and will be repaid with assets or capital. Deposits and derivative deposits are the main liabilities of banks, accounting for more than 80% of the sources of funds. In addition, interbank deposits, borrowing funds or issuing bonds also constitute bank liabilities.
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.