1. Bank reconciliation is the account reconciliation between the bank and the account opening unit, which mainly includes the daily reconciliation once a month, the balance reconciliation of 1-2 times a year, and some surprise reconciliations organized by the bank for risk prevention and control (generally organized by the banking regulatory bureau).
2. Monthly reconciliation means that customers take the initiative to get the statement from the bank to check their business details, such as the amount and balance, without giving feedback to the bank; Other forms of reconciliation are generally that the bank contacts the customer actively, only checks the time balance of the account, and requires the customer to stamp for confirmation.
2. Bank reconciliation is a contact sheet between the bank and the enterprise to check the accounts, and it is also a record to confirm the business dealings of the enterprise. It can also be used as the basis for enterprise capital flow. The most important thing is to identify the capital scale of an enterprise at a certain moment, and many places need statements, such as capital verification and investment.
Postal savings bank statement business, including bank reconciliation details, is generally issued once a month, which can be used for one year. The statement is valid only after the bank seals it.
What does postal money order business include? There are ready-made resources available for the postal development bill business, so there is no need to start a new stove. There is a strong guarantee before and after childbirth. This advantage provides technical support for the postal development of bill business. Delivery alone is unmatched by any enterprise. In addition, due to the small profit and complicated work of bill business (single piece), although many enterprises have seen this potential broad market, they are unwilling or unable to do so, and postal services can fully seize this point and rely on their own superior resources to strive to open up the bill market, usher in another spring day for the development of mail business, and add new impetus to the development of postal services.
The development cost of postal bill business is low and the benefits are considerable. Postal services have the necessary conditions to develop bill business and obvious advantages, so there is no need to invest more money to develop this new business. At the same time, because this advantage has long been recognized by merchants and consumers, in the development of this business, the investment in early publicity expenses has been greatly reduced. From the benefit point of view, even the most common bills should earn more than 0.4 yuan. And some efficient bills bring more benefits. Judging from the development of this business in the early stage, the situation and achievements are also very attractive. Especially after the State Post Bureau put forward the goal of "over 10 billion letters", it took various measures in the development of billing business, and the billing business advanced by leaps and bounds. For example, in 2002, Jinan Bureau only developed insurance billing business and earned 228,000 yuan. Laiyang Bureau formally put the bill business on the work agenda in 2005. In the first quarter of that year, 73,600 bills were developed, with a profit of 62,654.38 yuan+0,000 yuan. Undoubtedly, bill business has become a new profit growth point for postal development. At the same time, as a long-term business, the benefits of billing business are not only here. Through the development of this service, the superposition function of the delivery network can be increased, the service cost can be reduced, and the comprehensive service capacity of the network can be improved. At the same time, taking this opportunity, the post office can further collect and improve the development and construction of the name and address information database, and subdivide and integrate it to create conditions for the development of other postal services. In addition, the postal service takes the billing business as a breakthrough, strengthens communication with customers, and extends the cooperation with enterprises and merchants to China postal advertisements, stamps and outdoor advertisements.
The growth and income of billing business have been recognized, and postal units at all levels have gradually strengthened their attention and development efforts to this work, and achieved initial results. But as a new business, there are still many problems to be studied, and many things need to be explored step by step in the work. Judging from the current work situation, there are several tasks that need to be strengthened urgently.
First, set up a special research group for bill project development. Judging from the current situation of business development, most branches are developing in the business of commercial letter advertising, and there is no designated person in charge, which leads to the slow development of this business and insufficient stamina. By setting up a research group, the development of billing business can be greatly increased and professional marketing advantages can be formed. At the same time, it can also improve the efforts to solve the problems and difficulties encountered in the development process, shorten the time limit for solving, and provide professional technical support for the future postal bill business.
The second is to adhere to the principle of "concentrating on one point and making breakthroughs with emphasis". Because of the different natural economic conditions and the different degree of marketization, they face different situations. Therefore, when carrying out this business, all localities should proceed from the local actual situation, based on the principle of seeking truth from facts, and start with a thorough investigation of local suppliers. First, select some enterprises and businesses with good benefits and high reputation or industries such as telecommunications, electric power, medical care and transportation as key public relations targets. Integrate superior resources, cut in little by little, do a good job in business promotion, and achieve a development situation from point to area, accumulate experience, accumulate strength and accumulate wealth for later development. If you don't pay attention to this, you will be eager to achieve success, which will inevitably lead to too many failures and setbacks, thus affecting the later work.
The third is to strengthen the personnel training in the delivery stage to ensure the quality of bill delivery. The delivery link is the key factor affecting the development of billing business, and the quality of work at this stage will directly affect the development of billing business, which must be paid attention to. Increase delivery training, improve the courier's understanding of this business, enhance his sense of responsibility, and ensure the quality of bill delivery. At the same time, we should strengthen the collection of name and address information base. Unknown address and simple name database address are also important reasons for the difficulty in delivery. Also, studying the best delivery scheme is also a problem that we have to consider.
Fourth, actively strive for the support of * * *, fully mobilize and give play to the good cooperative relationship between postal services and industrial and commercial departments. Through the work of * * * and the industrial and commercial departments, let them know about the honesty education that the postal service is currently carrying out, publicize the positive role that the postal service can play in the plain code consumption activities, and then publicize the postal billing business with the help of various activities they carry out, so as to make the postal billing business bigger and stronger.
Of course, in order to really make the postal bill business bigger and stronger, there are many other tasks to be done besides the above work. For example, the research and development of bill function, especially how to fully tap its superposition function, and the setting of bill tariff, and how to do personalized service, also need our in-depth discussion and research.
Practice has proved that the development of postal bill business will help to promote the traditional postal business-mail business to form a new round of development, and will also win more markets and more partners for postal services in the fierce competition environment. Mail order business will surely become a new driving force for the development of postal mail business in the future! More importantly, vigorously developing bill business has a positive role in promoting the harmonious development of consumers, businesses, enterprises and even the whole society. Win-win conforms to the trend of the times and the needs of social development.
What does the bank do? Personal business mainly includes:
Personal savings business
Including: RMB savings deposits, foreign exchange savings deposits and small account education savings deposits.
Personal consumption loan
Including: personal automobile consumption loans, personal comprehensive consumption loans, personal small short-term credit loans, personal pledge loans and personal student loans.
Loans to individual housing buyers
Including: personal housing loans, personal commercial housing loans, personal second-hand housing loans, personal housing decoration loans, personal housing consumption loans, personal housing provident fund loans.
Personal foreign exchange business
Including: foreign exchange remittance, foreign exchange market, personal foreign exchange wealth management products, personal foreign exchange pre-settlement business, foreign exchange agent, tax refund business in consumption abroad, foreign exchange collection, issuance of deposit certificate and issuance of foreign currency carrying certificate.
Personal intermediary business
Including agency business, personal financial remittance through train, open-end fund, counter bond transaction, personal settlement account, early withdrawal and loss reporting business.
Personal electronic banking
Including personal online banking, personal telephone banking, personal mobile banking and B2C online shopping mall.
What are the derivative businesses of banks?
Financial futures generally refer to futures contracts, that is, standardized contracts formulated by futures exchanges, which stipulate to deliver a certain amount of underlying assets at a specific time and place in the future. This underlying asset, also known as the underlying asset, is the spot corresponding to the futures contract. This spot can be a commodity, such as copper or crude oil, a financial instrument, foreign exchange and bonds, or a financial indicator, such as three-month interbank offered rate or stock index. Generally speaking, the ultimate goal of futures trading is not the transfer of commodity ownership, but to avoid spot price risk by buying and selling futures contracts. Futures are divided into commodity futures and financial futures. Financial futures are futures financial forward contracts with financial instruments or financial assets as the subject matter. Financial forward contract refers to a contract in which both parties agree to buy and sell a certain amount of financial assets at a certain price at a certain time in the future. Forward contracts are mainly produced to avoid the risk of spot trading, but the liquidity of forward contracts is poor and the performance is not guaranteed, so the risk of forward contracts is greater. According to the different subject matter, forward contracts mainly include forward foreign exchange contracts, forward interest rate agreements and forward stock contracts.
Financial option option is a kind of option, which refers to the right of the buyer to buy or sell a certain amount of certain financial assets at a certain price at a certain time in the future after paying a certain royalty. Financial option is an option contract with financial instruments as the subject matter. After the option contract is signed, Buy Coventry has the right to decide whether to buy or sell a financial asset, but has no obligation to buy or sell it. Once the buyer decides to buy or sell a financial asset, the seller must perform it unconditionally according to the contract. Options generally include stock options, interest rate options and currency options.
What are the intermediary businesses of commercial banks? The Notice on the Implementation of Relevant Issues issued by the People's Bank of China (2002) divides the intermediary business of domestic commercial banks into nine categories:
1. Payment and settlement intermediary business refers to check settlement, import bills of lading, acceptance bills, etc., which are related to monetary payment and fund transfer due to creditor's rights and debts.
2. Bank card business is a credit payment tool that authorized financial institutions to issue to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.
3. Agency intermediary business refers to the business that commercial banks accept clients' entrustment, handle economic affairs designated by clients, provide financial services and charge a certain fee, including agency policy banking business, agency payment business, agency securities business, insurance agency business, agency bank card acquiring business, etc.
4. Guarantee intermediary business refers to the business that commercial banks provide guarantees for customers' solvency and bear the risk of customers' default. Including bank acceptance bills, standby letters of credit, various guarantees, etc.
5. Commitment intermediary business refers to the business that commercial banks provide agreed credit to customers on a certain date in the future according to pre-agreed conditions, including revocable commitments such as loan commitments and overdraft limits, as well as irrevocable commitments such as standby credit lines, repurchase agreements and note issuance facilities.
6. Transactional intermediary business refers to the capital trading activities conducted by commercial banks with various financial instruments to meet the needs of customers' hedging or their own risk management, including financial derivatives such as futures and options.
7. Fund custody business refers to that qualified commercial banks accept the entrustment of fund management companies to safely keep all the assets of funds, handle fund settlement, fund transfer, accounting, fund valuation and supervise the investment operation of managers for custody funds.
8. Consulting business is a service activity that commercial banks rely on their own information and talent advantages, collect and sort out relevant information, and combine the characteristics of bank and customer capital flow to form a systematic plan for customers to meet their business management needs, mainly including financial consulting and cash management business.
9. Other types of intermediary business, including safe deposit box business and other businesses that cannot be classified into the above eight categories.
What 1) payment and settlement intermediary business does the bank intermediary business include?
cheque
draft
(of a bank) a cashier's check
2) Bank card business
3) Acting as an intermediary business
Acting as an agent for policy banking business
Acting for the People's Bank of China.
Acting as an agent for commercial banking.
Collection and payment service
Agency securities business
Insurance agency business
4) Guarantee intermediary business
Bank's Acceptance Bill
stand-by letter of credit
commercial letter of credit
All kinds of letter of guarantee business
5) Commitment to intermediary business
loan limit
Convenience of bill issuance
6) Transaction intermediary business
At a specific future date
future
election
exchange
7) Fund custody business
8) Consulting business
Enterprise information consulting business
Asset management consulting business
Financial consulting business
Cash management business
9) Other intermediary business
Other types of intermediary business include safe deposit box business and other businesses that cannot be classified into the above eight categories.
What does the central bank's asset business include? The business of the central bank can be divided into debt business, asset business and intermediary business. Asset business includes: loans, rediscount, securities trading, and custody of gold and silver foreign exchange reserves. Liabilities include: currency issuance, agent treasury, centralized deposit reserve, occupation of liquidation funds and other liabilities.
The agency business of commercial banks includes agency business, including agency business, agency banking business, securities business, insurance business and other agency business. So I chose ABD.