First, the saving function
The main function of second-class households is saving. Users deposit funds in second-class households and enjoy deposit interest. Second-class households can also be used for cash withdrawal and transfer, which is convenient for users to manage funds. Compared with the first-class households, the savings function of the second-class households is more flexible and convenient, which meets the daily savings needs of users.
Second, the financial management function
Second-class families buy bank wealth management products, including time deposits, bonds and funds. Compared with the first-class households, the second-class households have richer and more diversified financial functions, which can meet the investment and financial needs of users. Through the second-class households, users can manage their own funds more conveniently and realize the effective appreciation of funds.
Third, the payment function
The second type of family is bound to third-party payment platforms such as WeChat and Alipay for online payment and transfer. Compared with the first-class households, the payment function of the second-class households is more convenient and efficient, which can meet the daily payment needs of users. Through the second-class account, users can make online payment and transfer operations more conveniently and improve the efficiency of fund use.
Fourth, the loan function.
Second-class households apply for loans, including consumer loans and housing loans. Compared with the first-class households, the loan function of the second-class households is more flexible and diverse to meet the loan needs of users. Through the second-class households, users can get loan support more conveniently and realize the effective use of funds.
Verb (abbreviation of verb) limited trading function
The transaction amount of second-class households is limited. The average daily trading limit is 6,543,800 yuan, and the annual cumulative trading limit is 200,000 yuan. This limited trading function can ensure the security of account funds and prevent large amounts of funds from being illegally stolen or transferred. It can also avoid the economic losses caused by users' excessive transactions.
The functions of the second-class account include saving, financial management, payment, loan and limit transaction, which meets the various financial needs of users. Compared with the first-class households, the second-class households have richer and more diversified functions, providing users with more convenient and efficient financial services.