How do rural commercial banks inquire about bank accounts?

There are many ways for rural commercial banks to inquire about bank accounts, including telephone inquiry, bank branch inquiry and online inquiry. Among them, online inquiry includes mobile banking and online banking inquiry.

1 Telephone inquiry: users can directly call the official customer service hotline of Rural Commercial Bank, transfer the manual service to inform the customer service account information and apply to inquire about the account opening bank;

2 Business outlet inquiry: You can bring your ID card and bank card to any business outlet counter of rural commercial bank to inquire about the bank's information;

3 Online inquiry: Log in to the mobile banking or online banking of Dongguan Rural Commercial Bank, and find the account details page to see the bank where the account is opened.

：

The characteristics of commercial banks are as follows:

(1) Commercial banks, like general industrial and commercial enterprises, are profit-oriented enterprises. It also has the capital it needs to engage in commercial operations, operate according to law, pay taxes according to regulations, and be responsible for its own profits and losses. Like other enterprises, it aims at profit.

(2) Commercial banks are special enterprises different from general industrial and commercial enterprises. Its particularity is reflected in the different business objects. Industrial and commercial enterprises are engaged in the production and circulation of commodities with fixed use value;

On the other hand, commercial banks take financial assets and financial liabilities as their business objects and operate special commodities-money and monetary capital. The business includes currency receipt and payment, lending and various financial services related to or associated with currency movement.

From the perspective of social reproduction process, the operation of commercial banks is the condition for the operation of industrial and commercial enterprises. Different from ordinary industrial and commercial enterprises, commercial banks have become a special kind of enterprises-financial enterprises.

(3) Commercial banks are different from specialized banks. The business and functions of commercial banks are more comprehensive. They operate all financial "retail" business (store service) and "wholesale business" (large credit business) and provide all financial services to customers.

Specialized banks only focus on the business within the specified scope and provide specialized services. With the relaxation of financial control in western countries, the business scope of professional banks is also expanding, but there is still a big gap compared with commercial banks; Commercial banks have advantages in business operation. Definition of auditing standards: Commercial banks refer to enterprise legal persons established according to People's Republic of China (PRC) Company Law and People's Republic of China (PRC) Commercial Bank Law to absorb public deposits, issue loans and settle accounts.

Commercial banks usually have the following main characteristics:

(a) The operation of a large number of monetary projects requires the establishment and improvement of strict internal control;

(two) engaged in a wide range of transactions, frequent, huge amount, requiring the establishment of a strict accounting information system, and extensive use of computer information systems and electronic funds transfer systems;

(3) There are many branches, wide distribution areas, and scattered accounting processing and control functions, so it is necessary to maintain unified operating procedures and accounting information systems;

(4) There are a large number of off-balance-sheet businesses that do not involve capital flow, and it is necessary to adopt control procedures to record and monitor them.

(5) High-debt operation, with many creditors, is closely related to the public interest, and is strictly bound by banking supervision laws and regulations and strictly supervised by relevant government departments.

Commercial banks have the following main risks:

1. Credit risk.

(2) National risk and transfer risk;

③ Market risk;

(4) Interest rate risk;

⑤ Liquidity risk;

Sixth, operational risks.

VII. Legal risks.

8. Reputation risk.

Due to the characteristics and risks of commercial banks, certified public accountants should maintain due professional caution and reduce the audit risk to an acceptable low level.