What business can I do when I go to the bank?

The main businesses of commercial banks include corporate finance, personal finance, capital business, international capital business and financial institution business.

1, corporate finance business

As the main source of banking profits, it provides personalized and innovative financial services to customers based on the core credit products of banks.

2. Personal financial business

Mainly aimed at the financial needs of individual customers, it provides services including savings deposits, consumer credit and bank cards.

3. Deposit business

It is the bank that actively responds to the impact of the rapid development of the capital market on the deposit business of RMB companies and vigorously develops the deposit business of RMB companies.

4. Loan business

Banks continue to strengthen the adjustment of loan structure, increase investment in key supporting industries, and realize the optimal allocation of credit resources.

5. Business of financial institutions

Banks pay attention to all-round cooperation with financial institutions and provide customers with more comprehensive services by recommending customers, sharing resources and jointly developing new products. Banks also carry out clearing of USD, EUR and JPY through new york, Frankfurt and Tokyo branches, and the above branches and Singapore branches act as local tier-one clearing banks.

6. International settlement and trade financing business

In view of our business advantages, we will strengthen the linkage between domestic and foreign institutions and realize the rapid development of international settlement and trade financing business.

: Scope of online banking business

1, basic online banking business

The basic online banking services provided by commercial banks include online account balance inquiry, transaction record, data download, transfer and online payment.

2. Online investment

Due to the developed financial services market, there are many kinds of financial products that can be invested. Foreign online banking services include stocks, options, mutual fund investment and CDs trading.

3. Online shopping

The online shopping assistance service established by online banking of commercial banks greatly facilitates customers' online shopping, provides customers with high-quality financial services or related information services on the same service variety, and strengthens the competitive advantage of commercial banks in the traditional competitive field.

4. Personal financial assistant

Personal financial assistant is a service that foreign online banks focus on developing. Major banks transfer financial assistants in traditional banking business to the Internet, and provide customers with various financial solutions, suggestions or financial service technical assistance through the Internet, thus greatly expanding the service scope of commercial banks and reducing the related service costs.

5. Corporate banking

Corporate banking service is an important part of online banking service. Its services are more diverse and complex than individual customers, and the requirements for related technologies are higher. Therefore, providing online banking services for enterprises is one of the signs of the strength of commercial banks. Generally, small and medium-sized online banks or pure online banks can only provide some or even no such services.

6. Other financial services

In addition to banking services, online banking of large commercial banks also provides customers with insurance, mortgage, mortgage and other financial service products by themselves or in conjunction with other financial service websites, expanding the scope of online banking services.