Bank-securities transfer refers to the behavior of investors transferring funds from securities accounts to bank accounts or from bank accounts to securities accounts, so the time of bank-securities transfer needs to be determined in combination with the time when banks support the transfer and the working hours of securities companies.

Generally speaking, the bank-securities transfer takes place at 9: 00- 16: 00 on the trading day. Different securities companies and different banks have different time for bank-securities transfer.

There is no formalities fee and no limit on the number of times for investors to transfer securities from banks. At the same time, investors need to distinguish between available funds and available funds when transferring funds. Among them, the available funds can only be used to buy stocks and cannot be transferred to bank cards. Available funds can not only buy stocks but also be transferred to bank cards, that is, the stock funds sold on the same day can not be transferred until the next trading day. For some second-class bank cards, the amount of securities transferred from the bank on the same day cannot exceed 1 10,000 yuan, that is, the partial transfer exceeding 1 10,000 yuan will not succeed.

Since the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, the use of bank cards has been expanding. Not only has the circulation of cash and checks been reduced, but the banking business has also undergone fundamental changes because it has broken through the limitations of time and space. The application of bank card automatic settlement system will make the arrival of "no check, no cash society" become a reality soon.

The 20-year development of China's bank card industry can be roughly divided into four stages:

1985 to the early 1990s, is the initial stage.

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