I. Personal business of banks
1. Personal deposit business, including RMB and foreign currency deposits.
2 personal loan business, including housing, consumption, personal employment and other loans.
3. Personal intermediary business, including fund business, national debt business, personal electronic remittance, agency payment business, payroll, personal deposit certificate, safe deposit box, etc.
4. Personal finance business.
5. Various self-service services, including telephone banking, online banking and mobile banking.
6. Bank card business, including handling savings cards, credit cards and wealth management cards.
7. Personal foreign exchange business.
Two. Bank of China
China Bank is the only bank in China that has been operating continuously for more than 100 years, and it is also the most internationalized and diversified bank in China. [The institutions are all over Chinese mainland and 665,438+0 countries and regions. The holding financial institutions include BOC International, BOC Investment, BOC Fund, BOC Insurance, BOC Aviation Leasing, BOC Consumer Finance, BOC Financial Business, BOC Hong Kong, etc. In 20 17, China Bank became the only "Ao Shuang Bank" in China. In 20 19, Bank of China was once again selected as a global systemically important bank, becoming the only financial institution in emerging market economies to be selected for 9 consecutive years. In June, 20021year, The Banker published the Top Global Banks 1000 in 202 1 year, and Bank of China ranked fourth. Bank of China is a note-issuing bank in Hongkong and Macau, and its business scope covers commercial banks, investment banks, funds, insurance and aviation leasing. Approved by Dr. Sun Yat-sen, it was formally established on February 5, 2002. Tel: 1965438. Headquartered atNo. 1, Fuxingmennei Street, Beijing. It is a large state-owned bank managed by the central government and a national vice-ministerial unit.
Three. Classification of banking business:
According to the composition of its balance sheet, banking business is mainly divided into three categories: liability business, asset business and intermediary business.
1. Debt business is the business that commercial banks form the 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, loans or bonds also constitute bank liabilities.
2. Asset business refers to the use of funds by commercial banks, including loan business, securities investment business and cash asset business.
3. Intermediary business refers to the business that does not constitute the on-balance-sheet assets of commercial banks, but generates non-interest income from on-balance-sheet liabilities, 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.