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1. Are the bank staff civil servants?
No, according to the Civil Service Law, a civil servant refers to a staff member who performs public duties according to law, is included in the state administrative establishment, and is paid wages and benefits by the state finance. Banks are not state administrative organizations, so they are not civil servants. Banks belong to financial institutions, not to civil servants or institutions. Contract employees.
2. Can the bank change coins?
Yes, any bank can change coins into paper money. It is recommended to deposit money at a larger outlet, and the backstage staff can help count the money. Coin exchange for paper money is classified according to the change counting service. Some banks charge, others don't. Regarding whether banks charge for counting small change, for example, Agricultural Bank of China does not charge.
Can banks buy gold?
Yes, banks can buy gold. Investors can buy gold through the bank app. Before buying gold, they need to open the relevant permissions. Gold is a safe-haven asset. When other financial markets are not good, many investors buy gold to avoid risks.
4. What are the repayment methods of banks?
① Matching principal and interest repayment method: add the interest generated by the borrower during the loan period to the total loan principal, then distribute it evenly every month, and repay the same amount of funds every month.
② average capital repayment method: the borrower repays the principal in equal amount every month, and the loan interest is calculated according to the remaining principal, and the interest is reduced by stages.
③ One-time repayment: within the specified repayment time, the principal and interest of the loan shall be paid off in one lump sum.
(4) Early repayment: apply for repayment of the remaining debts or all the debts before the expiration of the loan term.
5. Can the bank change small change?
Yes, banks can exchange small change, and you can go directly to the counter of the bank's business outlets. Under normal circumstances, it is necessary to line up with numbers. It should be noted that if you change a lot of small change, you need to make an appointment in advance, otherwise the bank may not have that much change. According to the Regulations on the Administration of RMB, bank outlets should handle the whole banknote or whole banknote exchange business for citizens according to the principle of reasonable needs.