What to know about banking 10

A bank is a financial investment institution.

As far as we ordinary people are concerned, there is not much difference, as long as we find a larger bank, we generally choose a bank close to our home, and we can deposit and withdraw money.

No matter what kind of bank, it uses depositors' money to invest, borrow and other financial activities to obtain profits. The proceeds are used to pay the depositor's interest on the one hand, and revolving investments on the other.

Bank cards are divided into credit cards and debit cards, and credit cards are further divided into credit cards and quasi-credit cards, and the basic uses are as follows:

A credit card is a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit.

A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the bank's requirements, and when the reserve fund is insufficient to pay, it can overdraft within the credit limit specified by the issuing bank.

Debit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn.

Debit cards have the functions of transferring, depositing and withdrawing cash, and spending.

A prepaid wallet-type debit card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and deducts the money directly from the card during the transaction.

All banks will issue the above cards, as long as the card is the same, even if it is issued by different banks, its use and function are basically the same, the only difference is that when using the card, the handling fee or service fee of the card issued by different banks may be different, and there is another thing to explain is that the special bank card or called the co-branded card, that is, the bank card jointly issued by the bank and some commercial institutions, such a card in a specific area, such as department stores, catering, entertainment industry and other places can enjoy discounted consumption, etc., Co-branded commercial entities may not be the same for different banks.

What you need for a job in a bank:Chinese nationals abide by the Constitution and laws, abide by the law, and have good conductThe professional or technical conditions required for the post, the physical conditions to meet the requirements of the post, and the full-time college or bachelor degree or above.

The recruitment conditions for the bank examination are as follows:

1) Have the nationality of the People's Republic of China.

2) Abide by the Constitution and laws.

3) Abide by laws and regulations and have good conduct.

4) The professional or technical conditions required for the position.

5) Adapt to the physical conditions required by the post. Roundness is slow.

6) Other conditions required for the post.

7) Full-time college degree or above.

Jobs in banks can be divided into the following categories:

1. Business position: handling, cashier, review, authorization (team leader).

2. Keeping an eye on the public: handling the company, reviewing, and managing it comprehensively (authorized or team leader). Lobby Consulting, Lobby Manager, Orange Model Financial Manager, Audit Manager, Risk Manager, Internal Control Manager, Fund Manager, etc.

3. Consumer loans: business assistant, manager assistant, assistant manager, account manager.

4. Office: administrative assistant, assistant manager; For the business supervision department, the business management department, most of them are business assistants and business managers, etc.

5. Section chief and above: directors and deputy directors of various departments.

6. Division level: vice president, president, manager of each department of the branch (at the same level as the president of the branch), president and president of the head office.

1. Depository institutions include: various commercial banks (such as: Bank of China, Bank of Communications, China Panwang Construction Bank, Agricultural Bank of China, Rural Credit Cooperatives, etc. and postal banks);

2. Types of deposits: demand deposits, time deposits, lump sum deposits, principal and interest withdrawals, education savings, etc.

1. Deposit time: customers can choose to deposit in the bank's deposit period, which is generally the first two months of each year, and the deposit interest rate will generally be increased if the bank deposits in this time range;

2. Deposit Huai Qitong method: There are many ways for customers to deposit, including the 12 certificate of deposit method, the Egyptian pyramid deposit method, etc., if the user correctly uses some deposit methods, he can not only obtain more and more deposit interest, but also maximize the benefits of his own funds;

3. Deposit products: Banks have a lot of deposit products, and customers can apply for large deposits under the condition that the economic conditions are relatively good, and the interest rate of large certificates of deposit is higher than that of general fixed deposits.

In modern society, banks have become an essential part of people's lives. However, many people do not know enough about the knowledge of banking and finance, and they are prone to some minor problems. Below, let's take a look at some banking and financial knowledge quizzes.

1.What is the deposit rate?

The deposit rate is the interest paid by the bank to the customer, usually calculated at an annual interest rate. The interest rate on deposits is usually influenced by factors such as market interest rates and competition from banks.

2.How do I choose the right savings account?

When choosing a savings account, you need to consider factors such as the type of account, interest rate, fees, deposit amount, and more. In general, it is recommended to choose an account with no monthly fees, high interest rates, and easy access to it.

3.What are debit and credit cards?

A debit card is a card that is tied to a personal bank account and can be debited directly from the bank account. A credit card is a kind of credit limit provided by the bank to the customer, and the cardholder can spend within the specified credit limit, and need to pay off the consumption amount or pay interest before the repayment date.

4.How to protect your bank account?

Ways to keep your bank account safe include changing your password regularly, not giving out personal information, not using public computers for banking operations, and not trusting strangers.

5.What is a Loan?

A loan is a type of financial support provided by a bank to a customer, who is required to repay the loan at the interest rate and term specified in the contract.

In short, it is very important to understand banking and financial literacy in our lives, and mastering these tips can help us use banking services better.