The joint bank number is the unique identification mark of a regional bank. It consists of 12 digits, including a 3-digit bank code, a 4-digit city code, a 4-digit bank number and a check digit. It is mainly used It is engaged in payment and settlement services such as cross-regional inter-bank settlement and fund clearing. Each business outlet of each bank has its own unique bank number. Based on this number, a bank can be quickly located. This number is usually issued by the superior bank or the People's Bank of China.