How much is the telephone customer service of China Travel Bank?

China Travel Bank is a joint-stock commercial bank. The full name of China Travel Bank is Jiaozuo China Travel Bank Co., Ltd., formerly known as Jiaozuo City Commercial Bank Co., Ltd., which was established on the basis of 11 urban credit cooperatives in Jiaozuo City. It was approved by the People's Bank of China in January 1998 and listed for business in February 1998. In 215, Jiaozuo City Commercial Bank Co., Ltd. was renamed as "Jiaozuo China Travel Bank Co., Ltd.".

The national banking industry ranked sixth in the year-on-year growth of total assets in 215 ",

The national banking industry ranked eighth in the year-on-year growth of net profit in 215",

It was awarded the "Fifth Golden Word-of-mouth Characteristic Bank" by Contemporary Financier magazine, and

It was awarded the "Best Income Award of China Banking Financial Institutions" by China Banking Association.

391-96999 is the hotline of Jiaozuo CTS Bank

1. What are the functions of the central bank?

1. issuing bank. The so-called issuing bank refers to monopolizing the right to issue bank notes and becoming the only cash issuer in China. At present, cash in almost all countries in the world is issued by the central bank. In general, the casting and issuance of hard tokens are managed by the central bank, while in some countries, they are issued by the Ministry of Finance. The proceeds from the issuance go to the finance, and then the central bank puts them into circulation. Unified currency issuance is the most basic motivation for the formation of the central bank.

2. The bank of the bank. As a bank, this is one of the functions that can best reflect the nature of the central bank, a special financial institution. This function is mainly reflected in three aspects: centralized deposit preparation, lender of last resort and organization of national liquidation.

3. National banks. The so-called national bank (or government bank) means that the central bank carries out fiscal and financial policies on behalf of the country, manages the state's fiscal revenue and expenditure and provides various financial services for the country. This function is mainly reflected in the following aspects: acting as an agent for the national treasury, issuing national bonds, providing credit support for the country, keeping foreign exchange and gold reserves, and formulating and supervising the implementation of relevant financial management laws and regulations.

in a word, "issuing bank, bank's bank and national bank" embodies the three basic functions of the central bank. Central banks in different countries will be slightly different in the specific content and focus of their functions, and will continue to develop and change in different periods.

2. The functions of commercial banks are determined by their nature, and there are four basic functions

1. Credit intermediary functions.

Credit intermediary is the most basic function of commercial banks, which can best reflect the characteristics of their business activities. The essence of this function is to concentrate all kinds of idle money in the society in the bank through the debt business of the bank, and then invest it in various economic departments through the asset business; Commercial banks, as intermediaries or representatives of lenders and borrowers of monetary capital, realize the financing of capital, and obtain interest income from the difference between the cost of absorbing funds and the interest income and investment income of loans, thus forming bank profits. Commercial banks have become "big businessmen" buying and selling "capital goods". Commercial banks realize the financing between capital surplus and shortage through the function of credit intermediary, which does not change the ownership of monetary capital, but only the right to use it.

2. Payment intermediary function.

in addition to serving as a credit intermediary and financing monetary capital, commercial banks also perform the functions of monetary management. Through the transfer of deposits in accounts, we can pay on behalf of customers, pay cash for customers on the basis of deposits, and become currency keepers, cashiers and payment agents of industrial and commercial enterprises, groups and individuals. Taking commercial banks as the center, a payment chain with no beginning and no end in the economic process and the relationship between creditor's rights and debts are formed.

3. Credit creation function.

on the basis of credit intermediary function and payment intermediary function, commercial banks have produced credit creation function. Commercial banks are banks that can absorb all kinds of deposits, and issue loans with all kinds of deposits they absorb. On the basis of cheque circulation and transfer settlement, loans are converted into < P > deposits. On the basis of not withdrawing cash or withdrawing cash completely from such deposits, the sources of funds of commercial banks are increased, and finally derivative deposits that are several times the original deposits are formed in the whole banking system. For a long time, commercial banks are the only financial institutions that can absorb demand deposits and open cheque deposit accounts. In order to create and shrink demand deposits through their own credit activities, and demand deposits are the main component of the loan market supply; Points, because Mei: Commercial banks can use their liabilities as currency to circulate, which has the function of creating a credit warehouse.

4. financial service function.

with the development of economy, the business environment of industrial and commercial enterprises is becoming more and more complicated, and the business competition between banks is becoming more and more fierce. Because of the wide contact and well-informed information, especially the extensive application of computers in banking business, banks have the conditions to provide information services for customers, consulting services, "decision support" services for enterprises have emerged, and the development of professional production and circulation of industrial and commercial enterprises requires many original money services belonging to enterprises themselves. Personal consumption has also developed from the original simple money and goods transaction to transfer settlement. Modern social life has put forward the requirements of financial services for commercial banks in many ways. Under the strong power of business competition, commercial banks are also constantly exploring service fields, further promoting the expansion of asset-liability business through the development of financial services, and combining asset-liability business with financial services to open up new business fields. In modern economic life, financial services have become an important function of commercial banks.

3. From December 1st, 216, three transfer methods, namely, real-time account arrival, ordinary account arrival and next-day account arrival, will be provided at the bank counter (for individual customers only) and non-counter channels except the ATM.

1. "Real-time arrival": after accepting the depositor's transfer application, the deduction will be processed immediately and remitted, and the single amount will not exceed 5, yuan. .

2. "Ordinary arrival": ordinary arrival means non-real-time arrival. After accepting the depositor's transfer application, the deduction will be delayed for 2 hours and remitted.

3. "Arrive the next day": after accepting the depositor's transfer application, the deduction will be delayed to the second natural day and remitted. Please note that the next day's arrival is not 24 hours later.

4. The above remittance time refers to the time when the bank deducts money and initiates remittance. In the case of inter-bank transactions, the arrival time also depends on the inter-bank clearing system of the People's Bank of China and the posting time of the receiving bank.