What is pre-authorization in banking?

What is pre-authorization in banking? Pre-authorization is to temporarily freeze your funds when you swipe your card before you know how much it will cost. . For example, staying in a hotel for a week costs 100 yuan per day. When the goods are damaged, the deposit is 100 yuan. When you arrive at the hotel, you can use pre-authorization to swipe your card on the hotel pos machine. The pre-authorization is 800 yuan, which means that the 800 yuan in your card has been temporarily frozen. . If you only stay for two days. It didn't damage anything. Then the pre-authorization is completed 200. . The remaining frozen money will be automatically returned to your original card.

What is spp in banking? Studying in Canada.

Generally speaking, bills of exchange or certificates issued by the four major banks in China,

All recognized by Canada.

What is the pre-authorization of ICBC? Pre-authorization transaction refers to the business of freezing account funds according to the estimated consumption amount when you spend money through hotels, hospitals and other types of merchants.

What is a bank post? Why does wao only have a job introduction? Don't you have a job title Then I can only judge by experience.

The first one should be an ordinary liquidity manager. If it is a small bank, it may also help to communicate and coordinate some middle and back office affairs. If you are in a big bank, you should be an ordinary local currency trader and belong to the front desk support position.

The second is obviously the support post in the middle and back office. The front desk needs professional knowledge in foreign exchange statistics declaration and swift. However, three years of experience is at least the director level in the middle and back office, and of course it may also be the director responsible for managing the trading room.

For this position in Beijing and Shanghai, the two positions of state-owned banks should be recruiting traders and middle and back office operation/management positions, with salaries of 5k- 10k and 3k-6k respectively. For foreign banks, it is an ALM dealer.

What kind of domestic and foreign currency payment system is bank FCPS? The domestic foreign currency payment system is led by the People's Bank of China, with centralized operation by the clearing center and centralized access by a single legal person such as directly participating institutions. It adopts "Y" information flow structure, the foreign currency clearing processing center is responsible for receiving, clearing and forwarding payment instructions, and the clearing bank is responsible for the settlement of payment instructions.

The main functions of the foreign currency clearing processing center include sending and receiving foreign currency payment messages, managing funds and credit lines, clearing foreign currency payments one by one in real time, queuing foreign currency payments with insufficient available lines, matching clearing queuing business, managing clearing windows, and submitting clearing results in different currencies and at different time periods to the agent settlement bank.

The main functions of the agent settlement bank include opening currency settlement accounts for participants, providing daytime credit, managing funds and credit lines, accounting according to clearing settlement, and reconciliation at the end of the day.

The agent settlement bank is a commercial bank designated or authorized by the People's Bank of China, and its qualification is subject to term management once every three years.

The execution of domestic foreign currency payment system is divided into five stages in chronological order: business preparation, daytime execution, business cut-off, clearing window and day-end processing. Daytime execution starts at 9:00 and business ends 17:00.

The domestic foreign currency payment system makes real-time full settlement of payment instructions one by one, and it generally takes no more than 1 minute from the issuing of the initiating clearing bank to the receiving clearing bank.

After the domestic foreign currency payment system was put into operation on April 28, 2008, it has become the main channel of foreign currency payment for domestic commercial banks.

What's the difference between commercial banks and retail banks? Commercial banks are gradually transforming into retail banks, and the business mentioned here is the role of banks.

Retail banking refers to the comprehensive financial services provided by commercial banks to individuals, families and small and medium-sized enterprises by using modern business concepts and relying on high-tech means, including deposit and withdrawal, loans, settlement, remittance, investment and wealth management. Retail banking has become a new profit growth point of commercial banks, and retail banking is the trend of banking development in the future. This can be convenient for customers and reduce the time they wait at the counter.

Commercial banks, abbreviated as CB in English, have a popular network homonym "save it", which means deposit bank. The concept of commercial banks is different from that of central banks and investment banks. It is a financial institution that takes profit as its function, raises funds with various financial liabilities and takes various financial assets as its business object. General commercial banks have no right to issue currency. Traditional commercial banks mainly focus on deposit and loan (borrowing) business, that is, borrowing deposits at lower interest rates and lending loans at higher interest rates. The deposit-loan spread is the main profit of commercial banks. The main business scope of commercial banks includes absorbing deposits from the public, enterprises and institutions, issuing loans, discounting bills and intermediary business. It is a savings institution, not an investment institution.

What is the DP of banking business? D/P!

Short for D/P in foreign trade business.

What is the personal banking business of a bank? The personal banking business of a bank refers to the services such as deposit, loan, payment and settlement provided by commercial banks to individual customers.

Personal banking mainly includes the following contents:

Deposit business: Personal deposit business includes local and foreign currency deposits issued by banks, financial bond business and other deposit businesses.

Loan business: Personal loan business refers to short-term and long-term loan business provided by banks for individuals. It mainly includes certificate of rights pledge loans, personal housing loans, personal durable consumer goods loans, personal housing decoration loans, personal student loans, personal automobile consumption loans, personal medical loans, personal travel loans, personal line loans and so on.

Payment and settlement: It mainly means that banks rely on demand deposit accounts and use settlement tools to provide individual customers with settlement services such as consumption, transfer and remittance except deposit and withdrawal, so as to realize the transfer and liquidation of customers' monetary funds.

In order to meet the growing public demand for financial services and further improve the efficiency and quality of payment and settlement services of banking financial institutions (hereinafter referred to as banks), the People's Bank of China requires banks to expand the inter-bank transfer function of personal bank settlement accounts. Individuals can choose any bank to open a bank settlement account and handle payment and settlement business. A bank may not, through exclusive cooperation with the receiving and paying unit, designate an account opening bank for customers in disguise. Banks shall not refuse to handle inter-bank collection and payment services for customers, but should create conditions for the public and the collection and payment units to open accounts in any bank and handle the payment and distribution of public utility service fees such as water, electricity, gas and telephone and social security benefits such as wages, endowment insurance, unemployment insurance and medical co-ordination.

The collection and payment service refers to the collection and payment service that banks provide customers with various agency, distribution or wealth management services by using their own business outlets, settlement networks and other resources, including withholding and remitting various expenses paid by residents in their daily lives and paying wages to employees on behalf of enterprises and institutions.

E-banking refers to the convenient and fast self-service provided by banks with advanced electronic technology, including online banking, telephone banking, mobile banking, TV banking, self-service banking, ATM(CDM) and POS.

Personal investment and wealth management business refers to the deeper financial services provided by banks to specific customers, which can manage their assets, liabilities and other finances more reasonably and effectively. Including reasonable arrangement of expenses, reasonable investment, insurance, housing and other real estate and other non-governmental financial issues. Since the first bank wealth management product came out in China in 2003, the bank wealth management market has gone through a development course of 10 years.

What is banking? Banking, as its name implies, is the business handled by banks. According to the complexity of business and the dependence on outlets, banking business can be divided into traditional business and complex business. According to the composition of its balance sheet, banking business is mainly divided into three categories: liability business, asset business and intermediary business.