Bank-securities business refers to an account in which a bank's savings account is used as a customer's securities transaction settlement fund. The customer purchases and sells securities through the securities trading platform, and the system automatically completes the transfer of transaction funds to the customer's bank savings account. Transfer, customers do not need to go to the securities business department to handle deposit and withdrawal procedures. The transaction ends on the day, and the funds are automatically transferred to the customer's savings account after clearing.

The concept of bank-to-bank transfer is a nationwide centralized bank-to-bank transfer service (referred to as "bank-to-bank transfer"). It refers to the way that banks and commodity electronic trading companies provide investment services for commodities based on the networking of their systems. The self-service fund transfer service provided by the operator enables direct and real-time transfer of funds between one's bank settlement account and commodity margin account.