What is bank opening?

How to apply for opening of ICBC safe deposit box?

The renter (including agent) can apply for unpacking during our bank's business hours and provide valid ID and reserved identity authentication information (fingerprints, passwords, etc.).

What is the assessment in the bank?

Hello, China Public Education is at your service.

Hello, the assessment exam in the bank is similar to the psychological test questions. You can just do it without thinking. At present, some bank campus recruitment examination announcements have not yet been released. For specific recruitment conditions, application procedures, and examination content, please refer to the recruitment announcements. You can continue to pay attention to the Bank Exam Information Network, which will publish recruitment announcements for major banks as soon as possible. There are some unannounced bank recruitment information for 2014. You can refer to them. The exam content does not change much every year. I hope it will be helpful to you.

For more bank examination information, please pay attention to: Bank of Shanghai Recruitment Network

If you have any questions, please feel free to ask the China Public Education Company.

What exactly does the assessment in the bank test?

Hello, China Public Education is at your service.

Generally speaking, the written examinations are business tests, finance, economics, accounting, and English.

Interviews are generally structured, leaderless, or semi-structured

The eight elements of the interview assessment include: comprehensive analysis ability, verbal expression ability, planning, organization, coordination ability, adaptability, self-emotional control, interpersonal cooperation awareness and skills, compatibility between job search motivation and proposed position, and manners.

We have compiled specific teaching materials and training courses for the Rural Credit Cooperative recruitment examination. You can check it out on our official website

If you have any questions, please feel free to ask Zhonggong Education Enterprise.

What is Agricultural Bank of China’s financial management risk assessment?

Assessment of customer risk tolerance. The assessment can warn customers of existing risks and they can only purchase products with a lower risk level than their own.

Can the contract for a bank safe be terminated by *** and the person who opened the box?

There are many situations when the bank safe deposit box business is cancelled. How many people are required to open the box together? ***If you come forward to cancel the authorization issued by yourself, others can also use it. In this case, you can cancel the authorization issued by the company legal person and change the legal person. If the former legal person comes to handle the handover, you can just ask the bank directly

Can banks store physical gold? ! !

You can deposit. After you have a certain deposit, you will pay some maintenance fees. (The deposit will be refunded to you when it expires)

I know ICBC, CITIC Industrial Agriculture All are fine, CITIC's is cheaper

When you deposit something in a bank safe, will the staff check what you are depositing?

When depositing items, bank staff generally will not inspect them without judicial intervention. If there are legal documents or search warrants, the bank must open the boxes and inspect them.

Express delivery can open the boxes and inspect the goods. 5 points

Express delivery can be opened and inspected, but not all express delivery. If it is a valuable item, some couriers will ask you to inspect the goods before signing the order

What is the risk assessment of financial products? Does it have to be done at the bank counter? How to conduct the risk assessment of financial products? How to conduct risk assessment specifically?

The purpose of financial management risk assessment is to allow financial management institutions to better understand your risk tolerance, and then introduce you to suitable financial products based on your risk tolerance.

Different financial institutions have different methods of risk assessment, but there are generally two methods. One is to conduct self-assessment online, and the other is to conduct an assessment in person at the financial institution. Of course , if your assets are large enough, you can also invite financial experts to the place you provide for evaluation.

The content of the assessment is mainly to ask you about your experience in financial investment, your expectations for investment returns, your acceptance of investment losses, etc. It is usually conducted in the form of a questionnaire. You only need to answer the questions truthfully. Just answer.

I hope my answer is useful to you. If you have any questions, you can continue the communication on the site.

What is the basis for the ABCD-level evaluation of personal bank loans?

The ABCD-level evaluation of personal bank loans is based on creditworthiness.

Bank credit rating is an evaluation of a bank’s current overall financial ability to repay its financial debts. It helps depositors and investors evaluate risk rewards, optimize investment structures, avoid investment risks, and helps commercial banks broaden their financing Channels, stabilizing sources of funds, and reducing financing costs are of great significance for regulatory authorities to improve regulatory efficiency, weaken information asymmetry in the financial market, and reduce the volatility of market operations.

Bank credit ratings generally include three steps: first, evaluate the bank's independent financial strength and external operating environment to determine its individual rating; then, determine a support rating; finally, combine the individual rating and support rating. Two different factors, discussed at an expert meeting, arrive at a bank's credit rating.

The process of rating bank credit is essentially the same as that of rating other debt issuers. The complete rating process for a bond issuer is divided into two stages, namely the initial rating (generally determined by the issuer) and rating review and change (usually initiated by the rating agency). Different rating agencies have slightly different rating methods. The rating practices of the two largest companies, Moody's and Standard & Poor's, represent the most common rating methods. Both agencies start by having rating company staff meet with the management and government officials of the company applying for the rating. During these meetings, the rating company collects public and proprietary information needed to conduct the credit rating and understands the company's business strategy and the authorities' policies. The analyst uses this information to prepare a report for the rating committee, which determines the rating.

In recent years, Moody's and Standard & Poor's have also provided rating watches and rating outlooks respectively as a supplement to credit ratings. Rating Watch and Rating Outlook indicate the rating agency's view on factors that may lead to rating review in the next 6 to 24 months. These deliberations are generally expressed as positive (indicating an improvement in conditions), stable or negative (indicating a deterioration in the underlying situation).

The second stage is rating review and change. After the initial rating, the rating agency continues to observe the economic and financial condition of the bond issuer. Rating companies only announce the start of a review of a bond issuer's credit rating when analysts believe that the issuer's economic conditions have changed significantly or that developments require a rating change. Thereafter, rating agencies usually review the bond issuer under review following the initial rating process and decide whether to adjust the credit rating of the bond issuer based on the review results. Generally, the credit rating of the bond issuer under review is often adjusted. Taking Moody's as an example, 2/3 of its rating reviews end in rating changes.

Rating method:

Although the bank credit rating process is basically the same as that of other bond issuers, because banks are special enterprises and high-risk enterprises, bank credit ratings are far more complex than those of other bond issuers. General corporate ratings are much more complex. The commonly used bank credit rating method is to use the *** rating of the country where the bank is located as the upper limit, and then obtain the credit rating of a certain bank after comparing the strength of the banks in that country. But there are exceptions, such as when a bank receives capital contributions or other support from banks in other countries, the bank's credit rating can be higher than the *** rating of the country where the bank is located. When rating a bank, no additional *** rating is performed, but the existing *** rating results are used. Therefore, the *** rating method will not be described again here.

Objectives of analysis

(1) Business environment.

The operating environment mainly includes: analysis of a country's overall economic and financial conditions (this analysis can be obtained from *** debt ratings and ***

The credit ratings of China's four major state-owned banks have increased

debt and deposit rating ceilings), the role that the country's banks play in the country's economy and financial sector, the quality of supervisory authorities, changes in future regulatory trends and the relationship between banks and supervisory authorities, the role of banks from central or local governments The possibility of the sector receiving support, the impact of corporate failure on the soundness of the financial system, etc.

(2) Ownership and management rights. Different ownership systems, banks' operating methods and management methods are different, and the degree of government intervention and support for them is also different. Therefore, ownership factors should be fully considered when rating banks.

(3) Management level. The first is to analyze whether the management has set clear strategic goals, that is: whether it can find the best investment portfolio that can effectively and continuously achieve risk and return; whether it can develop along this best risk-return portfolio curve. The second step is to analyze and study the management’s capabilities, experience, intuition, risk-taking awareness, reliability and precision of the trading system, and the bank’s internal culture.

(4) Operational value. Analyzing the operating value of banks mainly starts from two aspects. One is the operating value of the banking system. Mainly analyzing banks...gt;gt;