The conclusion is that the CCB reference code 0130z1109001 is a specific identifier used to track and identify your operation process. It is similar to a search parameter that helps the system locate relevant records. If you encounter problems during use, it may be related to the incorrect additional code entered or the IE browser settings being too high, and you need to log in again to check. The following is a brief overview of CCB's business:

1. **Personal housing loans**: CCB provides various housing loan services, including first-hand housing loans, second-hand housing loans, commercial housing loans and personal housing Mortgage. In 2014, they supported first-time home loans, with a minimum down payment of RMB 30 and preferential interest rates.

2. **Credit Card Business**: As a pioneer in credit card issuance, CCB has a wide variety of credit cards, such as Dragon Card, famous school card, business card, etc., and has exclusive card types for specific activities or partners.

3. **Silver Star International Express**: This is an international remittance service cooperated by China Construction Bank and Silver Star International Express to facilitate individuals to make cross-border remittances or receive foreign exchange.

After understanding this information, you can query or operate the corresponding services according to your needs. If you have specific questions or encounter code-related questions, it is recommended to contact CCB customer service directly or check its official website for detailed help.