Generally speaking, it is "business to the company", mainly targeting customers such as corporate legal persons and units, and conducting various businesses such as checks, remittances and loans to public deposit accounts. In addition, it should be noted that banks generally do not handle corporate business on weekends or holidays. If you want to handle it, it is best to go to the relevant bank outlets from Monday to Friday.
Specifically, the company's business focuses on customers such as corporate legal persons and units, and conducts various businesses such as checks, remittances and loans around corporate deposit accounts.
Extended data:
Analysis of overall risk factors of bank company business
1. Risk analysis of loan business
(1) China's commercial banks do not know enough about the risks of bank loans. They pay too much attention to scale, but they don't fully understand the quality of assets.
(2) The loan ratio is too high. Loans account for about 75% of bank assets, and generally do not exceed 50% abroad;
(3) The loan concentration is too high. At present, the loans of China's commercial banks are mainly concentrated in big cities, large projects, large enterprises, or listed companies and monopoly enterprises. In this way, many banks chase after a company and a project. The concentration of assets means the accumulation of risks.
In addition, about 80% of the loans of the four major state-owned commercial banks are concentrated in state-owned enterprises, but the output value they create only accounts for 30% of the total industrial added value, which means that it is difficult to ensure the benefit and timely recovery of loans. In addition, "matrix fission", "golden cicada shelling" and bankruptcy in the process of enterprise transformation and establishment have made the credit risk of banks increase unprecedentedly;
(4) Non-performing loans remain high. A large number of non-performing loans of commercial banks in China have seriously affected their normal operation and development. Although the state has given a series of policies such as write-off, divestiture and debt-to-equity swap in recent years, some positive changes have taken place in non-performing loans, but the phenomenon of non-performing loans being cleared first and then increased is still relatively common.
(5) The loan "three checks" system cannot be strictly implemented, the risk responsibility mechanism is not perfect, the responsibility and rights are asymmetric, the loan indicators are blindly issued, and the mortgage loan is not standardized, so it is difficult for banks to enforce the mortgage right.
2. Risk analysis of collateral
(1) The appraised value of collateral is too high. When commercial banks issue mortgage loans, the evaluation department overestimates the evaluation value of the collateral, which makes the final loss borne by the bank when the credit assets are at risk.
(2) When accepting mortgage loans, banks sometimes handle mortgage loan procedures with customers only on the basis of their credit standing, so as to maintain good customer relations. However, when the mortgage loan cannot be recovered, due to the incomplete mortgage loan documents, it cannot exercise the right to dispose of the collateral.
3. Intermediate business risk analysis
From the development trend, the proportion of intermediary business income of commercial banks will continue to increase. However, some commercial banks blindly carry out intermediary business, which is not regarded as a new profit growth point at all, but as an auxiliary means of traditional business competition, which deviates from the original intention of carrying out intermediary business to increase profits.