银行账户及业务介绍

银行账户及业务介绍

　　银行业务是指银行办理的业务。按照其资产负债表的构成，银行业务主要分为负债业务、中间业务、资产业务三类。小编为大家整理银行账户及业务介绍，希望对你有帮助哦!

　　一、银行账户

　　Customers generally visit a bank for two reasons. The first is to borrow money to purchase an item, which might cost more than their monthly income. The second is to deposit their money in the bank for safe- keeping. This money is kept in a bank account, and as compensation for the use of the customer's money the bank pays interest to the customer. There are many types of customer banking accounts. The most common are savings accounts, time or term deposit accounts, foreign currency accounts, cash management accounts, money market accounts and checking accounts. The level of interest available on these accounts depends on the whether the funds are available on demand (also referred to as at call deposits), the currency the account is denominated in and the source of end investment used by the bank. Usually the higher the interest rate, the less access the customer has to their money.

　　客户访问银行通常出于两种目的。第一种目的是向银行借钱购买可能超过他们月收入的商品。第二种目的是基于安全考虑把钱存到银行里。钱存在银行的账户上，作为使用客户资金的补偿，银行向客户支付利息。客户的银行账户有各种类别。最常见的是储蓄账户、定期存款账户、外汇账户、现金管理账户、货币市场账户和支票账户。这些账户的利率取决于这些资金是否可以被随时支取(也被称为通知存款)。存款存放在账户里，是银行用来投资的最终源泉。通常利率越高，客户取回他们存款的难度就越高。

　　二、银行业务

　　After the customer has set up an account, they can either deposit or withdraw money from their account depending on their individual requirements. These transactions are carried out at the counter of the bank branch. The person at the counter is usually referred to as a teller. The teller is authorized to accept and payout cash, issue bank checks, accept bill payments (e.g. electricity, gas, water, telephone), conduct foreign exchange, arrange money transfers between accounts and accept credit card payments.

　　在客户开立账户以后，他们可以在账户上随意存款和取款。这些业务在银行网点的柜台上进行。柜台工作人员通常被称为出纳。出纳有权接受和支付现金、签发银行支票、接受账单支付(比如水、电、煤气、电话等)，进行外汇交易、在账户间转账并接受信用卡付款。