What is the bank’s external business?

Question 1: What does it mean that a bank does not handle external business

Question 2: What are the main tasks of the bank’s international business department 1. Responsible for formulating the bank’s annual foreign exchange business development plan and organizing its implementation Develop the development plan for the foreign exchange industry and supervise the implementation of the development plan;

2. Responsible for the centralized operation and management of the bank's international settlement, foreign exchange fund settlement, and foreign exchange fund operations, and responsible for the international balance of payments declaration, foreign exchange settlement and sales business Operation and management;

3. Responsible for the bank’s foreign investment management, reporting, inspection, guidance, inventory and risk control of foreign investment projects, and responsible for the reporting and approval of international trade financing;

4 , Responsible for organizing various management activities of the international business department, responsible for the electronic construction of foreign exchange business, maintenance, upgrading and management of B I B S system;

5. Responsible for guiding the development of the bank's foreign exchange business, including market Manage admissions and withdrawals, perform the self-regulatory functions of the international business department, and ensure the healthy and rapid development of the foreign exchange business;

6. Responsible for the marketing and promotion of foreign exchange business products, and pay close attention to foreign exchange products and related laws and regulations and policy changes, ensure product compliance and legality, regularly announce market changes in foreign exchange products to superiors or within the system, and carry out promotion and training of foreign exchange products;

7. Responsible for the business of foreign exchange business practitioners Training work;

8. Responsible for other tasks assigned by the bank leaders.

Question 3: I would like to ask, what are the requirements for working in the international business department of a general bank? The international business department generally requires you to be proficient in foreign languages. I have a colleague who graduated from Beijing Foreign Studies University and got a job with level 8 English. I was hired into the inter-factory department within one year. Bank recruitment generally requires you to work as a teller first before hiring for other positions (unless you have a very NB education or a NB background). There are many working directions in finance, including banking, insurance, securities, venture capital, financing, and trusts.

Question 4: What does the bank’s international business department do? Is it easy to enter? 1. International business is specifically divided into international settlement and trade financing;

2. International settlement is divided into trade, non-trade and capital business, and trade includes letters of credit, remittances and collections;

3. Trade financing includes many aspects, including import and export, such as import bills, export bills, packaged loans, forfaiting, factoring, etc., which are very technical and very developed;

4. As for opportunities, you can only fight for them yourself. In addition, there are few opportunities to go abroad; there will be many training opportunities;

In short. There is room for development in RMB business, I wish you good luck.

Question 5: What bank’s business is VISA? VISA and MasterCard are not banks, but a banking organization, just like China’s “UnionPay”

VISA card refers to any bank issuing One of the international credit cards, the other is with the MASTER logo

VISA is like China's UnionPay, and VISA International is currently the largest international credit card organization in the world. It is a non-profit international organization participated by banks around the world. Its members are composed of banks and other financial institutions, establishing a global payment and financial services network.

There are two main international organizations: VISA International and MasterCard International.

If the card has the VISA logo, it proves that the credit card is It has joined the VISA organization and can be used in the banking system under its network

In 1959, Bank of America issued the first bank credit card. In 1965, American Commercial Bank, which developed credit cards on a somewhat large scale, began to expand across the country. Next year, it will license its trademark to other banks and issue a Bank Americard with blue, white and gold patterns. In the same year, fourteen eastern banks established the "Interbank Card Association" in Buffalo, New York. After its establishment, Bank Americard was its main competitor. In order to further expand its business, American Commercial Bank became National Bank Americard Incorporated (NBI). Banks that originally used authorized trademarks became non-shareholding members of NBI. American Commercial Bank also expanded its business outside the United States, but with a strong sense of The colorful Bank Americard was not favored by foreign banks. In 1966, Bank of America Service Corp. (BSC) was established. In 1970, BSC changed its name to NationalBankAmericard INC (NBI) to provide bank credit card services across the United States. In 1977, NBI was reorganized into VISA International, the VISA International Group. VISA Card International Organization is a credit card organization composed of international bank members. It has no shares and is a non-profit organization. Headquartered in San Francisco, California, USA. VISA helps members develop various VISA payment instruments (also known as credit cards) and traveler's check business; provides members with various VISA products and services; helps members make profits by using VISA products and services; reduces members' repeated investment in the Internet and provides Automatic "cashless" payment tools and systems for members, consumers and special merchants! Visa is more than just a payment card or credit product. Products and services branded with Visa represent the safest, most convenient and most reliable payment method, allowing consumers to conduct transactions at any time, anywhere and in any way. Visa is committed to cooperating with the People's Bank of China and Chinese banks. Cooperate to ensure that China's payment industry will effectively support the sustained and rapid economic development in the future. It is the kind of card that people often swipe in shopping malls, commonly known as bank cards/credit cards/debit cards.

Question 6: What does a bank’s corporate business mean? Corporate business includes corporate electronic banking, unit deposit business, credit business, institutional business, international business, entrusted housing finance, fund clearing, intermediary business, Asset promotion, fund custody, etc., in layman's terms are "business to the unit" and also the company's business.

The individual businesses mainly provide local and foreign currency savings, collection and payment services for individuals, agency issuance and redemption of treasury bonds and other bonds, loans pledged by small deposit certificates, off-site collection of savings deposits, credit cards, savings cards, and shareholder agency. We can also consider settlement, custody, personal electronic remittance, telephone banking, etc. as private services. For personal business.

It can be said that those who go to the bank to handle business as an individual are called "private business", and those who go to the bank as an organization to handle business are called "public business."

Question 7: What does it mean not to handle external business? You can call the Agricultural Bank of China service hotline 95599 to report the card number, check the account opening bank, and then transfer the money

Question 8: The bank’s main international trade What is the business? Cross-border RMB settlement: foreign exchange settlement and sales, remittance, collection, letter of credit, etc.

International trade financing: bill advance, credit insurance financing, package loan, invoice financing, etc.

Question 9 : What does the so-called bank clearing business mean? Bank clearing business refers to the process and method used by banks to settle bilateral or multilateral claims and debts during settlement and payment through accounts or relevant currency local clearing systems. By region, clearing business can be divided into domestic clearing and international clearing.

Common clearing modes include real-time full settlement, net lot basis clearing, large-amount fund transfer system and small-lot scheduled clearing. 1. Domestic inter-bank clearing Domestic inter-bank clearing is divided into intra-system inter-bank clearing and cross-system inter-bank transactions based on whether the transaction belongs to the same bank. The clearing of inter-banks within the system includes transactions between national inter-banks, transactions within the jurisdiction of branches and transactions within the jurisdiction of sub-branches. Fund settlement for cross-system transactions must be handled through the People's Bank of China. 2. International settlement International settlement business is the process and method used to settle bilateral or multilateral claims and debts in international inter-bank settlement and payment. The types of international clearing are mainly divided into two types: internal transfer type and exchange type.

Question 10: What are the responsibilities and work content of each department of the bank? 1 Office: Organize the office work of the head office and be responsible for comprehensive coordination, official document processing, supervision and investigation, confidential files, drafting of branch president meetings and other important documents, publicity and liaison, letters and visits, and administrative and financial management of the head office.

2 Management Information Department: In charge of the business statistics and information work of the whole bank, responsible for summarizing and preparing various business statistical reports, conducting comprehensive analysis and evaluation of the operation and management status of the whole bank, organizing investigations and research, and conducting research on the international Internet. Publish information, collect and process various economic and financial information. Responsible for the office automation work of the head office.

3 Planning and Finance Department: Prepare the bank's capital operation plan, financial plan, infrastructure plan and other comprehensive business plans, and supervise the implementation of the plan. Responsible for asset-liability ratio management, financial management, interest rate management, and the bank's infrastructure and fixed assets management. Evaluate the implementation of the target responsibility system of branch presidents and departments.

4 Capital Operations Department: Responsible for managing the bank’s RMB capital positions, balancing, scheduling, and financing. This includes undertaking the bank's RMB fund management work, scientifically formulating fund operation plans in accordance with the principles of safety, liquidity, and efficiency, and uniformly allocating all funds through internal fund transaction prices, deposit reserves, intra-system borrowings, internal fund transactions, etc. Bank funds and achieve the bank’s asset and liability management goals. By participating in the operation of my country's interbank lending market, bill market, and bond market, we can intensively operate funds, improve the efficiency of fund use, and promote the improvement of the bank's operating efficiency.

5 Personal Financial Business Department: Responsible for the unified development and management of the bank's personal financial business, including local and foreign currency savings business, personal intermediary agency business, personal financial management business, and consumer credit business.

6 Corporate Business Department: Responsible for the marketing, customer management and service management of the bank's corporate financial business, organizing and carrying out corporate customer syndicated loans, entrusted agencies, entrusted loans and other businesses, responsible for coordinating relevant resources within the bank, and providing services to the company Customers are provided with one-stop services and package solutions.

7 Credit Management Department: Responsible for bank-wide credit policy management, system management and business monitoring, including organizing credit policy research, formulating industry credit guidance, responsible for bank-wide credit approval, monitoring analysis and credit management, and Responsible for the secretariat of the Credit Policy Committee of the Head Office.

8 Housing Finance Business Department: Responsible for the formulation of bank-wide housing finance policies and systems as well as business marketing, monitoring and management; responsible for housing mortgage securitization work.

9 Asset Risk Management Department: Responsible for the risk control and management of the bank’s credit assets, investments and other assets. Formulate bank-wide asset risk control and management policies, conduct classified monitoring of asset quality, organize the collection and transformation of non-performing assets, and be responsible for bank-wide creditor's rights management and write-off of bad and bad debts.

10 Accounting and Settlement Department: Responsible for the bank's accounting system management, accounting system reform, accounting information monitoring, accounting information disclosure, organizing product development and market promotion of settlement business, promoting the accounting computerization process, organizing comprehensive Parameter management of business systems. Responsible for the bank's fund clearing business, including RMB fund clearing, foreign exchange fund clearing, account management, and supervision and inspection of fund transactions; responsible for fund sales registration and registration.

11 International Business Department: Responsible for the bank’s international business system management; responsible for international settlement and external financing business management; establishing and developing relationships with foreign correspondent banks; establishing and managing our bank’s overseas institutions and joint ventures; responsible for foreign exchange Operation and management of treasury business; management of external affairs work of the whole bank.

12 Sales Department: Responsible for the direct operation of the local and foreign currency business of the head office, mainly including national group companies, large outstanding listed companies, Fortune 500 and other outstanding multinational companies investing in China, monopolistic and growth focus Business operations of key enterprises in the industry, large-amount low-risk loans, and head office and branch credit asset transfer business.

13 Legal Affairs Department: Responsible for the legal affairs of the entire bank, handling legal affairs such as economic litigation (arbitration) cases and internal economic disputes.

14 Credit Assessment Department: Responsible for the bank's loan project assessment, corporate credit rating assessment, standard quota formulation, information consultation and credit investigation business.

15 Information Technology Department: Responsible for the organization and management of the bank's electronic construction, formulating the bank's information technology development plan and institutional measures, organizing the bank's technology project management, information engineering construction and safe operation, including: Computer system and network construction, application product design and development, computer equipment configuration and technical training.

16 Audit and Supervision Bureau: Responsible for the audit and supervision of the entire bank. Formulate audit work plans, formulate audit work systems and measures, and organize inspections of relevant departments of the head office...>>