In fact, what we should do is to keep learning. No matter what skills to learn, it is always useful to learn more. If one day you interview a test engineer for banking business, I think you can give it a try. Let’s talk directly without gossip. Software test engineers must know the bank deposit business.
Bank deposit business is divided into three categories
1. Classification of deposit business
2. Deposit business process
3. Deposit account type
1. Classification of deposit business
1. Deposit classification
Divided by deposit period: demand deposits and time deposits. Demand deposits are divided into unit demand deposits and demand savings deposits; time deposits are divided into unit time deposits and time savings deposits (lump deposit and withdrawal, zero deposit and withdrawal, lump sum deposit and withdrawal, deposit principal and interest withdrawal, time deposit and living convenience)
According to the source of generation: original deposits and derived deposits.
According to the nature of funds: general unit deposits, fiscal deposits, and household savings deposits.
According to deposit and withdrawal methods: check deposit, certificate of deposit deposit, passbook deposit, call deposit, agreement deposit.
Divided by deposit currency: RMB deposits and foreign currency deposits.
2. Deposit business process
(1) Deposit business process: the entire cycle from account opening to account cancellation.
(2) Personal current deposit:
(3) Personal time deposit:
(4) Deposit public business:
√ Lost report business
√Frozen business: freeze, unfreeze, continue to freeze
√Judicial deduction: accept the request for deduction from competent authorities
√Payment/pledge business: stop cash payment and fund transfer
√Certificate of Deposit A written proof of the book balance of a deposit account for a certain period of time or a certain period of time
√Inactive account management: When the account balance is less than 100 yuan (excluding) and the personal current account has not been initiated by the customer for more than 3 years (parameter configuration), the system will automatically transfer the account. No interest will be charged.
√Agreed transfer deposit: The customer and the bank agree to automatically transfer from the contracted account to the designated account according to the agreed transfer cycle and transfer amount within the validity period
√Replacing single folds: Realize the function of replacing old single folds with new ones
√Margin deposit
√Large deposit certificate: trading is allowed
3. Types of deposit accounts
(1) Personal account
Personal accounts are divided into personal savings accounts and personal settlement accounts.
Personal savings account refers to a savings deposit account in Renminbi personal account opened by a natural person at a bank savings institution in the name of a natural person with a personal savings account valid identity certificate to handle fund deposit and withdrawal business.
Personal settlement account refers to a special account for individuals to use personal settlement accounts to handle various payment and settlement services such as transfers and remittances, card consumption, investment loans, etc.
The cards and passbooks that we now issue are generally personal settlement accounts. Savings accounts are for deposits and withdrawals only. Businesses such as transfers and remittances cannot be performed. So now savings accounts are all replaced by settlement accounts.
(2) Unit settlement account
Unit accounts are divided into basic deposit accounts, general deposit accounts, special deposit accounts, and temporary deposit accounts.
Basic deposit account: It is a bank settlement account that depositors need to open a basic deposit account for daily transfer settlement and cash receipt and payment. Only one can be issued nationwide.
General deposit account: It is a bank settlement account opened by a depositor at a banking institution other than the bank where the basic deposit account is opened due to borrowing or other settlement needs. It cannot be opened at the same outlet as the basic deposit account.
Temporary deposit account: It is a bank settlement account opened by depositors for special management and use of their funds for specific purposes in accordance with laws, administrative regulations and rules.
(3) Requirements for cash withdrawals in the use of various accounts
※Basic deposit account: cash can be withdrawn.
※General deposit account: cash withdrawal is not allowed
※Special deposit account: cash can be withdrawn, but it must be handled in accordance with the requirements of the People's Bank of China.
① People's Bank of China approves cash withdrawals (capital construction funds, renovation funds, policy real estate funds, interbank funds deposited by financial institutions)
②Cash cannot be withdrawn (corporate bank card, extra-budgetary funds, securities transaction settlement funds, futures transaction deposits, trust funds)
③With the approval of the superior management department, it is possible to withdraw cash (grain, cotton and oil purchase funds, social security funds, housing fund funds, local construction units)
※Temporary deposit account: cash can be withdrawn.
(4) Type I households, Type II households, and Type III households
According to the requirements of the People's Bank of China to establish an account classification management mechanism, personal bank accounts are divided into Type I accounts, Type II accounts, and Type III accounts.
Type I accounts provide depositors with services such as deposits, purchase of financial products such as investment and wealth management products, transfers, consumption and payment, and cash withdrawals;
Class II accounts provide depositors with services such as deposits, purchase of financial products such as investment and wealth management products, limited amount of consumption, and payment of fees;
Class III accounts provide depositors with consumption and fee payment services of a limited amount. Class II and III accounts can be virtual accounts, which can be handled through Internet channels.
epilogue
1. Entering any industry requires continuous learning and hard work, and software testing is no exception. If you can learn computer, database , development and other knowledge in the later stage, it will be of great help to your personal improvement.
2. Always maintain enthusiasm for the industry. Since you want to work in this industry, you must learn more about new trends in the industry and update your technology . You have to know that if you want to stand higher, you need to learn a higher level of technology.
I hope that you who have the courage to change can develop better, continuous learning is essential, and don't let yourself be easily replaced! ! !
Those who work hard will have opportunities, but those who don't work hard will definitely have no chance! ! !
Finally: The complete software testing video tutorial below has been organized and uploaded, and friends who need it can get it by themselves [Guaranteed 100% free]
Software Testing Interview Documentation
We must study to find a high-paying job. The following interview questions are the latest interview materials from first-tier Internet companies such as Ali, Tencent, and Byte, and some Byte bosses have given authoritative answers. Finish this set The interview materials believe that everyone can find a satisfactory job.
