How much do you know about the bank deposit business that software test engineers must know?

Catalog

Preface

Bank deposit business is divided into three categories

One 、 Classification of deposit business

Two 、 Deposit business process

3、 ... and 、 Deposit account type

Conclusion

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Preface

In fact, what we should do is to keep learning , No matter what skills you learn , *** , If one day you interview a test engineer in banking , I think you can try it , Gossip , Let's talk directly about the bank deposit business that software testing engineers must know .

Bank deposit business is divided into three categories

• 1、 Classification of deposit business
• 2、 Deposit business process
• 3、 Deposit account type

One 、 Classification of deposit business

1、 Deposit classification

According to the deposit term ： Demand deposits and time deposits . Current deposits are divided into unit current deposits and current savings deposits ; Time deposits are divided into unit time deposits and time savings deposits （ Lump sum deposit, lump sum withdrawal 、 Zero deposit and lump sum withdrawal 、 Zero for whole storage 、 Save capital and earn interest 、 Be flexible ）

According to the source of production ： Original and derivative deposits .

According to the nature of funds ： General corporate deposits 、 Fiscal deposits 、 Residents' savings .

Divide by deposit and withdrawal ： Check deposit 、 Certificate of deposit 、 Passbook deposit 、 Call deposit 、 Agreement deposit .

By deposit currency ： RMB deposits and foreign currency deposits .

Two 、 Deposit business process

（1） Deposit business process ： The whole cycle from account opening to account cancellation .

（2） Personal current deposit ：

chart 1. Personal current deposit

（3） Personal time deposit ：

chart 2. Personal time deposit

（4） Deposit public business ：

√ Loss reporting business

√ Freeze business : frozen 、 thaw 、 Continued freezing

√ Judicial deduction : Accept the request of the authority to deduct

√ payment / Pledge business : Stop handling cash payment and fund transfer out

√ A written proof of the book balance of a deposit account in a certain period of time or a certain period of time

√ Real estate management : When the account balance is less than 100 element ( Not included ) And exceed 3 year ( Parameter configuration ) Personal current account where the customer does not actively initiate the collection and payment business , The system automatically transfers to the immovable account . No more interest .

√ Agreed redeposit : The customer and the bank agree to transfer money according to the agreed transfer cycle within the validity period 、 The transfer amount is automatically transferred from the signing account to the designated account

√ Replace the single discount : Realize the function of replacing the old single discount with the new one

√ Margin deposit

√ Certificate of deposit : Allow trading

3、 ... and 、 Deposit account type

（1） Personal account

Personal accounts are divided into personal savings accounts and personal settlement accounts .

Personal savings account , It refers to the people's personal account currency savings deposit account opened by a natural person in a bank savings institution in the name of a natural person with a personal savings account valid identity document

Personal settlement account refers to a special personal account that uses personal settlement account to handle transfer and remittance 、 Credit card consumption 、 Investment loans and other payment and settlement businesses .

The cards and passbooks we handle now generally belong to personal settlement accounts . Savings accounts can only be used for deposits and withdrawals . No transfer, remittance and other businesses . So now savings accounts are replaced by settlement accounts .

（2） Company settlement account

Unit accounts are divided into basic deposit accounts 、 General deposit account 、 Special deposit account 、 Temporary deposit accounts .

Basic deposit account ： It is a bank settlement account that the depositor needs to open a basic deposit account for daily transfer settlement and cash collection and payment . Only one can be opened nationwide .

General deposit account ： It is the depositor's need for loan or other settlement , There is no limit on the number of bank settlement accounts opened in banking institutions other than the bank where the basic deposit account is opened . It cannot be opened in the same outlet unit as the basic deposit account .

Temporary deposit accounts ： Is the depositor according to the law 、 Administrative regulations and rules , A bank settlement account opened for the special management and use of its special-purpose funds .

（3） Requirements for cash withdrawal 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 should be handled in accordance with the requirements of the people's Bank of China .

① The people's Bank of China approves the withdrawal of cash ( Capital construction funds 、 Renovation funds 、 Policy real estate funds 、 Interbank funds deposited by financial institutions

② Can't withdraw cash ( Corporate bank card 、 Extra budgetary funds 、 Securities trading settlement funds 、 Futures trading margin 、 Trust funds )

③ Cash can be withdrawn after being approved by the superior management department ( Purchase funds for grain, cotton and oil 、 The social security fund 、 Housing fund funds 、 Local construction unit )

※ Temporary deposit accounts : Cash can be withdrawn .

（4）I Class household 、Ⅱ Class household 、Ⅲ Class household

According to the requirements of the people's Bank of China to establish an account classification management mechanism , Divide personal bank accounts into I Class household 、Ⅱ Class household 、Ⅲ Class household .

I Class accounts provide deposits for depositors 、 Buy financial products such as investment and wealth management products 、 Transfer accounts 、 Consumption and payment 、 Cash withdrawal and other services ;

Ⅱ Class accounts provide deposits for depositors 、 Buy financial products such as investment and wealth management products 、 Limited amount of consumption and payment services ;

Ⅲ The account provides a limited amount of consumption and payment services for depositors Ⅱ、Ⅲ Class account can be a virtual account , It can be handled through Internet channels .

Conclusion

1、 Entering any industry requires continuous learning and efforts , Software testing is no exception , If you can learn computer in the later stage 、 database 、 Knowledge development, etc , It will be of great help to your personal promotion .

2、 Always maintain enthusiasm for the industry , Since you want to work in this industry , Then you have to learn more about the new developments in the industry , Update your technology . You need to know that if you want to stand higher , You need to learn a higher level of Technology .

I hope you have the courage to change , Can develop better , Continuous learning is essential , Don't let yourself be easily replaced ！！！

Those who work hard have plenty of opportunities , But those who don't work hard must have no chance ！！！

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