The most basic departments of banks are savings (private), accounting (public) and credit. Accounting can be said to be the backstage and service department of credit, and it is the deposit and loan business of units, which is a bit like the sales department of general companies. All business dealings between these units and banks are realized through the accounting department. Another example is that the judicial system (such as the court) seals up frozen deposits, which is also a public matter.
Extended data:
I. Basic composition
The most basic departments of banks are savings (private), accounting (public) and credit. Accounting can be said to be the backstage and service department of credit, and credit is the deposit and loan business of the unit, which is a bit like the sales department of the general company.
All business dealings between these units and banks are realized through the accounting department. Specifically, the company's business focuses on customers such as corporate legal persons and units, and conducts various businesses such as checks, remittances and loans around corporate deposit accounts.
Second, the loan business risk analysis
1. The commercial banks in China are not fully aware of the risks of bank loans. They pay too much attention to scale, but they don't fully understand the quality of assets.
2. The loan ratio is too high. Loans account for about 75% of bank assets, and generally do not exceed 50% abroad;
3. The loan concentration is too high. At present, the loans of China's commercial banks are mainly concentrated in big cities, large projects, large enterprises, or listed companies and monopoly enterprises. In this way, many banks chase after a company and a project. The concentration of assets means the accumulation of risks.
In addition, about 80% of the loans of the four major state-owned commercial banks are concentrated in state-owned enterprises, but the output value they create only accounts for 30% of the total industrial added value, which means that it is difficult to ensure the benefit and timely recovery of loans. In addition, "matrix fission", "golden cicada shelling" and bankruptcy in the process of enterprise transformation and establishment have made the credit risk of banks increase unprecedentedly;
Baidu Encyclopedia-Bank's Corporate Business
Baidu encyclopedia-enterprise business