Personal banking (personal banking business)
Refers to the deposits of commercial banks to individual customers, loans, payment and _set_tlement services.
Personal banking business mainly include the following:
1 Personal liability business, including the foreign currency savings deposits and other financial bonds issued by banks business.
2 personal loan business, are short-term and long-term bank borrowings of business offered to individuals. Including the right credentials loans, individual housing loans, personal loans consumer durables, personal home improvement loans, education loans, personal auto loans, personal medical loans, personal travel loans, personal loans, etc. lines.
3 Personal payment and _set_tlement business, relying mainly refers to bank current account, the use of _set_tlement tool for individual clients in addition to access to money spending, transfers, remittances and other _set_tlement services, customers realize the monetary funds transfer and clearing.
4 agency business which banks use their outlets, _set_tlement network and other resources, to provide customers with a variety of agents, distributors or financial services, including: Withholding fees paid by residents' daily life, the agent for the enterprises its employees, such as collecting and paying payroll services.
5. Electronic banking, which banks use advanced electronic technology to provide customers with convenient, efficient self-service, including online banking, telephone banking, mobile banking, TV banking, self-service banking, atm (cdm), pos, etc.
6 personal finance and investment business, is the bank's customers to provide tailor-made specific, more rational and effective management of its as_set_s and liabilities and other financial matters, such as deeper financial services. Expenses, including reasonable arrangement, rational investment, insurance, purchase of residential real estate and other personal finance issues. |