deposit
A few little knowledge you must know about deposits. Most of the deposits are calculated by the platform and pushed to the core. The core handles the money in the corresponding account accordingly. The following is what you think of and write
Withdrawal: from withdrawal to payable, from the withdrawn account to the payable account
Redemption: regularly to the customer's current account Interest
settlement: from the payable account to the customer's account
Core customer number: the customer account card number generated by the core for the customer
: bank card number, one customer account can Debt
account: a current account plus a regular account to form a liability account.
Fund working date: the day after 3:00 a.m. is counted as the next working day, and Saturday and Sunday are not counted as working days.
Deposit product: it is a liability business in the bank , but can absorb
deposits. Interest payment frequency: monthly, quarterly, annual, and due interest payment . Interest
with principal and liquidation: it is a product that pays interest at maturity.
Interest calculation: principal * interest rate calculated as days interest = principal × interest × number of days ÷ number of days per
year The number of days: most of them are 360, and the rarely used 365 and 366
supernets are all payment channels
Deduction and deduction: Judicial deduction and deduction is the deduction operation carried out by the judicial department, which is divided into principal deduction and deduction of principal and interest
Type I card: the first card opened by the customer in the bank
Type II card: the customer is not the first card
Reserve fund: the bank deposits the money in the central bank, and the red letter used for deduction of expenditures
: represents transaction failure Blue letter: manual work is required Four elements of account adjustment processing
: customer name, mobile phone number, phone number, card number,
if there is a loan, there must be a loan, and the loan must be equal
.
Glossary
1.
This is the name of the UnionPay transaction, "other bank" is the business of other banks acting as an agent of our bank, and "this agent of him" is the business of our bank acting as an agent of other banks.
For example, withdrawing money from an ATM machine of the Agricultural Bank of China with an ICBC card
. For ICBC, it is a business of "others on behalf of the owner"; These businesses are cross-bank and will incur service fees (except for balance inquiries).
And "on behalf of this" means that our bank directly handles the business of the bank card issued by our bank, and UnionPay does not charge a service fee for this kind of business.
2. Loading
2.1 Cannot be reissued
2.2 Online 1000
2.3 The chip storage on the offline
bank card is different from the current deposit. The current deposit is stored in the account, and the loaded value is stored on the chip of the bank card. It can also be used without networking, and there is half an offline file Monthly upload, there are query records.
Circle withdrawal is also an operation on the chip, and it cannot be reissued. If you lose money, you will not be able to get it back.
3. Compound interest penalty interest
Compound interest: The interest generated by the interest after the loan is overdue is called compound interest Penalty
interest: The interest generated on the principal after the loan is overdue is called penalty interest
4. Loan extension
means that the loan cannot be repaid when it expires, and the procedures for extending the repayment time are handled upon approval.
5. Entrusted loan
The client and the borrower reach a financing intention, negotiate and determine loan interest rate, term and other elements.
The client and the borrower open a settlement account at the business bank, the client issues a "Loan Power of Attorney" to the business bank, and the client and the borrower jointly submit an application to the bank.
The bank accepts the customer's entrustment application, conducts investigation and approves it, and then accepts the entrustment from qualified customers.