You know, bank cards are not only available to adults aged 18, but also to minors accompanied by their parents or other guardians. Some banks also stipulate that minors aged 65,438+06 and under 65,438+08 can apply for bank cards separately as long as they have independent financial resources.
To collect money, you can't just use WeChat or Alipay. As long as Alipay completes the real-name authentication, it can transfer money and collect money without a bank card.
It's just that the quantity will be limited, so it may be a little troublesome. If you need a large transfer, you can't do without a bank card. Of course, if it is only a small amount, it is still no problem. However, in order to transfer money and collect money conveniently, it is better to get a debit card. It is not difficult to get a debit card anyway.
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, trade financing and so on. , 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.
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.