Private banks refer to individual banks, and corporate banks refer to banks of enterprises and units. Private business includes personal savings, personal bank card related business, personal electronic banking, personal intermediary business, etc. Simply put, all this is related to personal banking; The company's business includes enterprise deposits and loans, enterprise electronic banking, international business and credit business, that is, all businesses aimed at enterprises, companies and enterprises.

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First, the role of public accounts.

Basic account-an account opened by depositors for daily transfer settlement and cash receipt and payment.

General deposit account-an account opened by a depositor in a banking institution outside basic account for loans or other settlement needs.

Special deposit account-an account opened by depositors for special management and use of their special funds in accordance with laws, administrative regulations and rules.

Temporary deposit account-the depositor opens it for temporary needs and uses it within the prescribed time limit.

Looking at the development of global banking, based on credit services, the company's business has roughly experienced three important stages: commodity flow related services, capital flow related services and capital flow related services. Accordingly, the product portfolio has also experienced the continuous deepening development vertically and horizontally, and gradually formed an all-round, comprehensive and three-dimensional corporate financial service product system from the original traditional businesses such as credit and settlement.

First of all, "credit business" will, as always, become an important cornerstone for the development of corporate banking business. Although the vast majority of domestic commercial banks have put forward the goal of "transforming into retail banks", there are sufficient reasons to believe that credit business will remain the main source of income and profits of all business lines of the company at least in the next 5- 10, the basis for the company to establish customer relationships and develop other businesses, and the important task for the company to realize online product sales "1+N".

Second, "trade finance" is a typical representative of services related to the flow of goods. The bank's business begins with commodity circulation services-trade financing and settlement. Financing has long been a mature product in international advanced banks, but it is a hot product in the ascendant compared with most domestic banks. Its main customers are small and medium-sized enterprises.

Second, the characteristics of bank account settlement

(1) Handling RMB business. Different from foreign currency deposit accounts, foreign currency deposit accounts must be opened and used in accordance with the relevant provisions of the State Administration of Foreign Exchange.

(2) Handling fund receipt and payment settlement business. This is obviously different from a savings account. The basic function of savings is to deposit and withdraw principal and interest, but it cannot handle the receipt and payment of funds.

(3) It is a current deposit account. This is different from the company's time deposit account, and there is no settlement function. ?