Two, the bank (deposit bank) refers to the bank in the process of bill settlement. According to the different ways in which the holder submits the bill to the bank, bill settlement can be divided into remittance settlement and entrusted collection settlement. In the fund settlement method of remittance settlement, the payer's bank (paying bank) directly transfers the money to the payee's bank (receiving bank). In the fund settlement method of entrusted collection settlement, the payee entrusts his bank to collect the bill money from the paying bank.
3. Bank account number, namely bank card number or passbook account number. Including bank debit cards and credit cards. Each card has a corresponding card number, which is the bank account number. There are usually passbooks and cards under the name of the account. Bank accounts have real-name authentication function. When opening an account in an online virtual bank (such as Alipay), the name and password must be the same, otherwise the bank will not recognize it. Bank account is the general name of deposit account, loan account and current account opened by customers in the bank. In China, according to regulations, all state organs, organizations, military units, schools, enterprises and institutions must open accounts in banks. According to different purposes, bank accounts can be divided into basic account, special accounts and auxiliary accounts. In the accounting institutions of bank accounting, in order to ensure the truthfulness, completeness and correctness of account books, subsidiary ledger and general ledger are classified records and reflections on the sources and use of funds caused by banking business and financial activities.
4. The inter-bank bank number is the unique identification symbol of a regional bank, which is used for cross-regional payment and settlement services such as large payment system, small payment system organized by the People's Bank of China, bank draft system of city commercial banks, and national check imaging system (including automatic bill sorting system in some cities). It consists of 12 digits: 3 digits of bank code +4 digits of city code +4 digits of bank number+1 parity bit.
Banks are legally established financial institutions engaged in monetary and credit business, and are the product of the development of commodity monetary economy to a certain stage.
Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.
Central Bank: China People's Bank is the central bank of China.
State-owned policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China Development Bank.
State-owned commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications.
Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS Group AG, Societe Generale, etc.
World Bank: It is used to help countries overcome poverty. Various institutions play a unique role in alleviating poverty and improving living standards.