1, sales department. Be responsible for the expansion of business operations at the branch level, meet the different needs of different levels and types of customers to the greatest extent, and have a trend of continuous refinement.

(1) Retail Banking Department. Mainly responsible for the development of retail banking business; The customers we serve include mass customers, high-end customers and special types of customers.

(2) Corporate Finance Department. Mainly responsible for meeting the investment, financing, settlement and other needs of corporate customers.

(3) Interbank Banking Department. Mainly responsible for business with commercial banks, securities companies, insurance companies, trust companies, etc.

(4) International Business Department. Mainly engaged in international investment and financing, import and export financing and foreign currency related business.

(5) Electronic Banking Department. Mainly responsible for self-service financial services, ghost banking, mobile banking and online banking.

(6) Banking Counter Business Department. Mainly responsible for cash business and non-cash business handled by bank counters.

2. Business support and guarantee department, mainly responsible for the development and management of various business varieties and ships, and providing support means for business, market expansion departments and front-line counters. Business support departments tend to be integrated into two types of departments: one is to manage the daily affairs of network points, which is often a comprehensive department; Another kind of departments put more energy into new business, new product development and pipeline work; Strong professional color.

(1) Branch Management Department (or Branch Service Department).

Mainly responsible for coordinating the daily management and services of banks scattered in various departments to sub-branches, so that other business management departments of banks can be freed from daily management affairs and engage in more creative work.

(2) loan department (or business department or settlement department).

Independent of the credit approval department and the accounting department, it is responsible for lending and bookkeeping business, and the general liquidation, accounting and cashier management functions are also placed in this department.

(3) Work Research Department.

Mainly to study, evaluate and improve the work system, business processes and operational norms. The R&D department of the banking marketing department has this function; But in fact, the workload in this area is quite large, and it is very necessary for a special department to carry out work research to cooperate with the bank's system reengineering and business process reengineering.

(4) negotiation center. In fact, it has developed into a business department responsible for handling international business documents. The international business department of the bank has both the operation function of the negotiation center and the expansion function of the business development department, which can only be a choice in the transitional period.

(5) Risk Management Department.

The risk management department of foreign banks is mainly responsible for setting risk control indicators, quantitative parameters and risk control countermeasures for various risks that may be encountered in bank operations, which is quite different from the function of the risk management department of banks. In fact, the bank risk management department performs the functions of bill and collateral management department and credit review department in foreign commercial banks, and the credit risk management function is only one of them.

Points.

(6) accounting department.

Responsible for the management of all accounting businesses of the whole bank, except accounting, liquidation and audit, which are owned by the loan department or the audit department respectively.

(7) Planning and Finance Department.

Responsible for the analysis of overall business data and financial data, financial budget, internal cost management, fund management and assessment. Subordinate management accounting group, responsible for analyzing business from profitability, risk and structure.

(8) Credit Management Department.

Review loans in substance and form.

(9) Human Resources Management Department.

(10) Legal Affairs Department.

In addition to legal affairs, he is also responsible for some post-loan security work. Some banks have legal functions in other departments, such as offices, public relations departments and loan departments.

(1 1) General Affairs Section.

Foreign countries generally integrate the functions of general affairs, logistics, security and other departments.