The working hours for personal business are 9:00- 17:30 from Monday to Friday, and 9: 00-17: 00 on weekends and legal holidays;
The business hours of the company are Monday to Friday from 9: 00- 12: 00, 14: 00- 17: 30, and the company business is not handled on weekends and legal holidays.
The business hours of some outlets may be different, so it is recommended to consult in advance before handling business.
What do you mean by public banks and personal banks?
The corporate business of the bank includes enterprise electronic banking, unit deposit business, credit business, institutional business, international business, entrusted housing finance, fund settlement, intermediary business, asset recommendation, fund custody and so on. , also known as "corporate business".
Personal banking refers to the services such as deposit, loan, payment and settlement provided by commercial banks to individual customers.
The most basic departments of banks are savings (private), accounting (public) and credit. Accounting can be said to be the backstage and service department of credit, and it is the deposit and loan business of units, which is a bit like the sales department of general companies. All business dealings between these units and banks are realized through the accounting department.
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.
Personal banking mainly includes the following contents:
Deposit business
Personal deposit business includes local and foreign currency deposits, financial bonds issued by banks and other deposit businesses.
Loan business/transaction
Personal loan business refers to the short-term and long-term loan business provided by banks for individuals. It mainly includes certificate of rights pledge loans, personal housing loans, personal durable consumer goods loans, personal housing decoration loans, personal student loans, personal automobile consumption loans, personal medical loans, personal travel loans, personal line loans and so on.
Payment settlement
Mainly refers to the bank relying on the current deposit account, using settlement tools to provide individual customers with settlement services such as consumption, transfer and remittance except deposit and withdrawal, so as to realize the transfer and liquidation of customers' monetary funds.
Collection and payment
The collection and payment service refers to the collection and payment service that banks provide customers with various agency, distribution or wealth management services by using their own business outlets, settlement networks and other resources, including withholding and remitting various expenses paid by residents in their daily lives and paying wages to employees on behalf of enterprises and institutions.
electronic bank
E-banking refers to the convenient and fast self-service provided by banks with advanced electronic technology, including online banking, telephone banking, mobile banking, TV banking, self-service banking, ATM(CDM) and POS.
Finance and investment
Personal investment and wealth management business refers to the deeper financial services provided by banks to specific customers, which can manage their assets, liabilities and other finances more reasonably and effectively. Including reasonable arrangement of expenses, reasonable investment, insurance, housing and other real estate and other non-governmental financial issues. Since the first bank wealth management product came out in China in 2003, the bank wealth management market has gone through a development course of 10 years. According to the data of China Banking Regulatory Commission, by the end of the second quarter of 20 13, the scale of China's bank wealth management market had reached 9.85 trillion.