What are the main businesses of banks to the public? How to operate?

1. Corporate deposit business? : company demand deposit, company time deposit, company notice deposit, company agreement deposit, etc. ?

2. Corporate loan business: short-term loans, medium-and long-term loans and trade financing loans? .

3. Capital business: enterprise-related: corporate bonds, corporate bonds and financial bonds? . ?

4. Bill business: acceptance and discount.

5. Payment and settlement business: three tickets and one remittance (draft, promissory note, check, remittance).

6. Bank card: the company card in the credit card.

7. Guarantee business: bank guarantee and standby letter of credit.

The specific process of bank bill financing business operation is as follows:

1. The applicant submits a written application for bill financing to the bank, and at the same time submits relevant materials for the application;

2. The bank examines the materials submitted by the applicant and investigates the personal assets and credit status of the applicant;

3. After the materials are approved, the bank negotiates the financing content with the applicant and signs a loan contract;

4. The borrower shall go through the corresponding insurance and other formalities, and after the formalities are completed, the bank will release the funds;

5. The borrower repays the loan according to the contract.

Extended data:

Payment and settlement business:

Payment and settlement business refers to the charging business related to monetary payment and fund transfer that commercial banks handle for customers due to the relationship between creditor's rights and debts.

(1) settlement tool. The main settlement tools for settlement business include bank draft, commercial draft, cashier's check and cheque.

1. A bank draft is a bill issued by the issuing bank and unconditionally paid to the payee or holder according to the actual settlement amount at sight.

2. A commercial bill is a bill issued by the drawer and entrusted by the payer to unconditionally pay a certain amount to the payee or holder on a specified date. Commercial bills are divided into bank acceptance bills and commercial acceptance bills.

3. A cashier's check is a bill issued by a bank that promises to pay a certain amount unconditionally to the payee or holder at sight.

4. The cheque is issued by the drawer, and the bank entrusted to handle the cheque deposit business unconditionally pays a certain amount of bills to the payee or holder when seeing the cheque.

(2) Settlement methods, mainly including settlement methods in the same city and settlement methods in different places.

1. Remittance business is the settlement business in which the payer entrusts the bank to remit the money to the foreign payee. Remittance settlement is divided into three forms: telegraphic transfer, letter transfer and draft.

2. Collection business refers to a settlement method in which creditors or sellers draw a bill to foreign debtors or buyers in order to collect money, and entrust banks to collect money on their behalf.

3. Letter of credit business is a written guarantee document issued by the bank to the beneficiary according to the requirements and instructions of the applicant, which contains a certain amount and pays at the designated place within a certain period of time with the specified documents.

(3) Other payment and settlement services, including fund transfer and liquidation through modern payment systems, and transfer through internal and external networks of banks.

References:

Baidu encyclopedia-banking business