But the information to be provided includes ID photo, bank card account information, hand-held ID photo, store door photo, cashier photo and business license information. After the data is submitted, it will be reviewed, and the payment code will be obtained after the review is passed.
A bank is an enterprise dealing in money, and its existence is conducive to raising and financing social funds. It is a very important member of financial institutions.
We can see the business of the bank. On the one hand, it collects idle monetary funds and small monetary savings in society by absorbing deposits, and then lends them to people who need to replenish money in the form of loans. Here, banks act as intermediaries between lenders and borrowers.
On the other hand, banks handle the payment and settlement of money for commodity producers and businessmen, and also act as payment intermediaries. In short, banks play the role of credit intermediaries.
The basic functions of commercial banks include: credit intermediary, payment intermediary, credit creation and financial services.
Bank securities are a part of social security and a branch of social security industry. As far as prevention means are concerned, it includes three categories: man-made prevention, entity (material) prevention and technical prevention. Technical prevention is a new preventive measure gradually formed by using modern electronic alarm and other scientific technologies in the field of bank security prevention in the 1980s.
The bank security technology prevention system is an information technology network with comprehensive functions such as detection, delay and response, which effectively combines subsystems such as special equipment and software with anti-intrusion, anti-theft, anti-robbery and anti-destruction functions into an organic whole.
The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on.
The profit ratio of most domestic banks is: loan 30%, bank insurance 10%, wealth management fund product sales 10%, financial instrument sales 5%, financial intelligent terminal business consumption 30%, hedging business 5%, bill business 10% and so on. The profit ratio of foreign banks is: loan 15%, bank insurance 15%, wealth management fund product sales 15%, financial instrument sales 10%, financial intelligent terminal business consumption profit 35%, hedging business 5%, bill business 5% and so on.
On February 24th, 20 16, the media reported that seven of the six listed banks in/kloc-0 had handed in their transcripts last year, and the general net profit continued to decline. According to the performance report, in 20 15, the net profit attributable to shareholders of the parent company was 271610 million yuan, that is to say, seven banks earned 744 million yuan every day last year.
Although this figure is still outstanding in various industries, the continued decline in profit growth is still the future trend. Compared with 20 14, the growth rate of net profit of seven banks has declined to varying degrees, the growth rate of net profit of six joint-stock banks has dropped to single digits, and the growth rate of net profit of China Merchants Bank, Industrial Bank, Huaxia Bank, China CITIC Bank and Shanghai Pudong Development Bank has dropped by more than half. The growth rate of CITIC Bank's net profit was the lowest, only 1. 15%. Only Nanjing Bank, as a city commercial bank, maintained a double-digit performance, reaching 24.86%.