Question 1: What are the types of banking services? In addition, there are complex businesses, such as derivatives, structured financing, leasing, introduction of strategic investors, mergers and acquisitions, listings, etc. These are not very dependent on the branch network, but are high-tech and high-profit business areas. According to the composition of its balance sheet.

Banking business is mainly divided into three categories: liability business, asset business, and intermediary business. Liability business is the business that forms the source of funds for commercial banks and is an important basis for commercial banks’ intermediary businesses and assets. The liability business of commercial banks mainly consists of deposit business and borrowing business. Asset business is the business of commercial banks using funds, including loan business, securities investment business, and cash asset business. Intermediary business refers to the business that does not constitute the assets on the commercial bank's balance sheet and the liabilities on the balance sheet that form the bank's non-interest income, including transaction business, clearing business, payment and settlement business, bank card business, agency business, custody business, guarantee business, commitment business, Financial management business, electronic banking business.

Question 2: What are the types of bank financial management? Currently, the financial management plans operated by commercial banks in my country can be divided into three types: guaranteed income financial plans, capital-guaranteed floating-income financial plans and non-principal-guaranteed floating-income financial plans.

A guaranteed income financial plan means that a commercial bank promises to pay a minimum fixed income to a customer in accordance with agreed conditions, and the bank bears the resulting investment risk. Other income exceeding the minimum fixed income is distributed between the bank and the customer in accordance with the contract. .

Capital-guaranteed and floating-income financial management plan refers to a financial management plan in which commercial banks guarantee principal payment to customers in accordance with agreed conditions, and investment risks other than the principal are borne by the customer, and the actual income of the customer is determined based on the actual investment income.

Non-guaranteed floating income financial plan refers to a financial plan in which commercial banks pay income to customers based on agreed conditions and actual investment income, but do not guarantee the safety of the customer's principal.

Question 3: What are the classifications of banking business? The most common classifications are: liability business (the business of commercial banks forming sources of funds), asset business (the business of commercial banks using funds), intermediary business (the business of which banks do not need to The business of using one's own funds to undertake payments and other entrusted matters on behalf of customers and collecting handling fees)

1. Asset business

Asset business is the main source of income for commercial banks.

1. Loan (lending) business--the most important asset business of commercial banks

1) Credit loan:

Credit loan refers to the borrower alone A loan that is creditworthy without providing any collateral and is a type of capital loan.

(1) Ordinary borrowing limit:

The enterprise enters into an informal agreement with the bank to determine a loan. Within the limit, the enterprise can obtain loan support from the bank at any time. The limit The validity period generally does not exceed 90 days. For loans within the ordinary loan limit, the interest rate is floating and linked to the bank's preferential interest rate.

(2) Overdraft loan:

Banks provide loans to customers by allowing them to overdraft their accounts. Providing this facility is considered an "additional obligation" beyond the bank's contractual obligations to its customers.

(3) Standby loan commitment:

Standby loan commitment is a relatively formal and legally binding agreement. The bank signs a formal contract with the enterprise, in which the bank promises to provide corresponding loans to the enterprise within a specified period and limit, and the enterprise must pay for the bank's commitment.

(4) Consumer loans:

Consumer loans are loans granted to consumer individuals to purchase durable consumer goods or pay other expenses. Commercial banks provide such loans to customers. A multi-faceted review is required.

(5) Bill discount loan:

Bill discount loan means that the customer submits the undue bill to the bank, and the bank deducts the interest from the discount date to the maturity date. and obtain cash.

2) Mortgage loans:

There are several types of mortgage loans

(1) Inventory loans. Inventory loans, also called commodity loans, are short-term loans that use a company's deposits or commodities as collateral.

(2) Guest account loan. Short-term loans issued by banks with accounts receivable as collateral are called "customer loans". This type of loan is generally an ongoing credit agreement.

(3) Securities loans. In addition to using receivables and inventories as collateral for corporate loans issued by banks, many are also collateralized by various securities, especially stocks and bonds issued by companies. This type of loan is called a "security loan."

(4) Real estate mortgage loan. Typically refers to a loan secured by real estate or business equipment.

3) Loan guaranteed by letter of guarantee:

Loan guaranteed by letter of guarantee refers to a loan guaranteed by a letter of guarantee issued by a third party. A letter of guarantee is a contractual document with a bank guaranteeing a loan for the borrower, which stipulates the rights and obligations of the bank and the guarantor.

Banks can grant loans to borrowers as long as they obtain a standard form of guarantee drawn up by the bank and signed by the guarantor. Therefore, a letter of guarantee is the simplest form of guarantee acceptable to banks.

4) Loan securitization:

Loan securitization refers to the total financing process in which commercial banks convert loans into securities issuance through certain procedures. The specific method is: commercial banks combine various illiquid loans held into several asset pools (Assets Pool), sell them to professional financing companies (Special Purpose Corporation), and then the financing companies use these The asset library serves as security and issues asset-backed securities. Such asset-backed securities can also be marketed to investors through securities issuance markets or private placements. The funds recovered from the sale of securities can be used as a new source of funds for commercial banks to issue other loans.

2. Investment business:

The investment business of commercial banks refers to the bank’s purchase of securities. Investment is an important asset business of commercial banks and one of the main sources of bank income.

The investment business of commercial banks can be divided into domestic securities investment and international securities investment according to different objects. Domestic securities investment can be roughly divided into three types, namely *** securities investment, local *** securities investment and corporate securities investment.

Securities issued by the state can be divided into two types according to different sales methods, one is called public sale securities, and the other is called non-public sale securities... .>>

Question 4: What types of banks are there, and what services does each type have? In China, there are many classification methods for banks. The general classification method is to classify banks as follows:

1 is the People's Bank of China, which is the central bank and plays a management role.

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2 is a policy bank, such as the Agricultural Development Bank, China Development Bank, and Export-Import Bank, which generally handles policy business and is not for profit.

3 is a commercial bank, which can also be Divided into national state-owned commercial banks, such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, national joint-stock commercial banks, such as China Merchants Bank, Hua Xia Bank, Minsheng Bank, regional commercial banks, such as Guangdong Development Bank, and local commercial banks, such as Wuhan Municipal Commercial Bank, Bank of Nanjing, which has just been listed, the differences between these three banks are narrowing

4 is a foreign-funded bank, which generally handles deposit business, intermediary business, loan business, etc.

Foreign-funded There are many banks, the more famous ones include Citibank and HSBC.

Foreign banks are now generally established in first-tier cities. Their business is very different from domestic banks. Now they have gradually liberalized their business. scope.

Question 5: What are the categories of financial products and what are they? 5 points Financial products can be divided into two categories: basic securities such as stocks, bonds, etc., and derivative (senior) securities such as futures, options, etc.;

Secondly, according to ownership attributes, financial products can be divided into property rights Products such as stocks, options, warrants, etc., and debt products such as treasury bills, bank credit products, etc. The former is a property rights relationship, and the latter is a creditor's rights relationship.

Furthermore, based on expected returns, financial products can be divided into non-fixed income products such as stocks, options, funds, etc., and fixed (also called structural) products such as various bonds and credit products.

Finally, according to the length of time, degree of risk and trading venue, financial products can be divided into short-term products, long-term products, low-risk products, high-risk products, currency (market) products and capital (market) products and many other categories.

Question 6: What are the types of bank card services? Bank cards are credit payment instruments issued to the society by authorized financial institutions (mainly commercial banks) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. The classification of bank card business generally includes the following categories: (1) Based on the repayment method, bank card business can be divided into credit card business, quasi-credit card business and debit card business. Debit cards can be further divided into debit cards, dedicated cards and stored value cards. (2) Depending on the currency used for settlement, bank cards can be divided into RMB card business and foreign currency card business. (3) According to different use objects, bank cards can be divided into corporate cards and personal cards. (4) According to different carrier materials, bank cards can be divided into magnetic cards and smart cards (IC cards). (5) According to the different credit levels of the users, bank cards can be divided into gold cards and ordinary cards. (6) According to the scope of circulation, bank cards can also be divided into international cards and regional cards. (7) Other classification methods, including commercial banks cooperating with for-profit institutions/non-profit institutions to issue co-branded cards/approval cards.

Question 7: What types of banks are there in China at present? China’s banks can basically be divided into:

1. China’s central bank: the People’s Bank of China.

2. Chinese policy banks: China Development Bank, Agricultural Development Bank of China, Export-Import Bank of China.

3. Sixteen representative commercial banks: (8 in Beijing) Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, China Everbright Bank, China Minsheng Bank, Huaxia Bank, China CITIC Bank; (1 in Yantai) Hengfeng Bank; (2 in Shanghai) Shanghai Pudong Development Bank, Bank of Communications; (1 in Hangzhou) Zheshang Bank; (1 in Fuzhou) Industrial Bank; (2 in Shenzhen) Shenzhen Development Bank , China Merchants Bank; (1 in Guangzhou) Guangdong Development Bank.

4. Other Chinese banks, credit unions, postal savings offices, etc.

For example: many city commercial banks, one housing bank (Sino-German Housing Savings Bank), and others.

5. Foreign banks.

For example: Citibank of the United States, HSBC of the United Kingdom, Standard Chartered Bank of the United Kingdom, Bank of East Asia of Hong Kong, Nanyang Commercial Bank of Hong Kong, etc.

Question 8: What types of businesses are banks’ windows generally classified into? In other words, how are bank windows generally divided? Waiting online, thank you! Two major categories: cash and non-cash, corporate and personal, ordinary and VIP!

Of course in practice these are all intersections! Don't know which category you are?

Under normal circumstances, cash is mainly for individuals. Individual customers are divided into VIP customers and general customers. Most of them are ordinary windows, and there will be a VIP window! The corporate category is mainly non-cash, and there will be a special window for the public category!

As for the specific business types, they are generally not classified, and the windows are mostly classified according to customer types!

Hope this helps!

Question 9: What are the classifications of banking services? The most common classification of banking business is: 1. Liability business (the business of commercial banks that form a source of funds. Liabilities are debts that the bank assumes due to credit and will be repaid with assets or capital and can be measured in currency. Deposits and derivative deposits are the bank's The main liabilities account for more than 80% of the source of funds. In addition, interbank deposits, interbank deposits, borrowed or placed funds, or issuance of bonds, etc., also constitute the bank's liabilities), 2. Asset business (the business of commercial banks using funds, is The main source of income for commercial banks), 3. Intermediary business (the bank does not need to use its own funds to undertake payments and other entrusted matters on behalf of customers and collect handling fees. Intermediary business is also called off-balance sheet business, and its income is not included in the bank's balance sheet).

Question 10: What do financial products include? The so-called financial products refer to various carriers of the financing process, including currency, gold, foreign exchange, securities, etc. That is to say, these financial products are the objects of purchase and sale in the financial market. The supply and demand sides form the price of financial products, such as interest rates or yields, through market competition principles, and finally complete the transaction to achieve the purpose of financing funds.

Financial products can be classified from different perspectives. Here we describe several main classification methods.

(1) According to different product forms, it can be divided into three categories, namely currency, tangible products, and intangible products;

1) Currency. As the monetary system changes, its form also changes, developing from physical currencies such as shells and cloth to metal currencies such as gold, silver, and copper, and finally the emergence of substitute currencies, namely banknotes.

2) Tangible products. There are many types of products, including public bonds, short-term Treasury bonds, foreign debt, private bonds, corporate bonds, short-term Treasury bills, negotiable certificates of deposit, bank acceptance bills, commercial paper, promissory notes, pre-dated checks, bonds repayable in kind, and prize bonds. , stocks, checks, insurance policies, savings, etc.

3) Intangible products. That is, financial services are roughly divided into eight aspects: lending, deposits, foreign services, transfer savings, location or time ***, credit services, etc.

(2) According to the nature of the issuer, financial products can be divided into direct financial products and indirect financial products

Direct financial products refer to the relationship between the last lender and the last borrower. The instruments used for direct financing activities are issued or signed by non-financial institutions such as companies, enterprises, and financial institutions. There are mainly the following categories: corporate bonds, stocks, mortgage contracts, public bonds, and treasury bills.

Indirect financial products refer to the tools used by financial institutions to act as intermediaries between the lender of last resort and the borrower of last resort to conduct indirect financing activities. There are mainly the following categories: bank bonds, bank notes, transferable certificates of deposit, life insurance, financial bonds, and various IOUs.

(3) Based on the duration of the credit relationship, it can be divided into short-term financial products and long-term financial products

Short-term financial products generally refer to the money market with a repayment period within one year. credit tools. There are mainly the following categories: various bills, negotiable certificates of deposit, and treasury bills.

Long-term financial products refer to capital market credit instruments with a repayment period of more than one year. There are mainly the following categories: stocks, bonds, and various funds.

(4) According to different service industries, it can be divided into: banking financial products, insurance financial products, trust financial products, securities financial products, financial company financial products and leasing financial products.