Intermediaries are unreliable, and some cheat money. If you handle banking business, you'd better bring real and valid identity documents to avoid other unnecessary troubles, and you can't handle it through others or any other institution. If you have any questions, you can ask the bank customer service. The bank channel department is mainly responsible for the management, maintenance and operation of physical outlets, vaults and self-service equipment, as well as business processing in the middle and back office, such as error reconciliation, remote business processing and remote authorization. The channel department does not have its own products and business, but it is everywhere. It can be said that it is the blood system of the bank. All business needs to rely on the outlets and equipment managed by the channel department.

1. Generally speaking, the channel department has the largest number of employees in the banking management department, but its voice is relatively weak compared with other business departments and management departments. It has no independent personnel power and financial power, no credit, only hard work. Moreover, once a case or risk event occurs, as long as it can be related to the channel, the channel department must bear the responsibility, which is definitely a loss. Canal transportation is no small matter. The internal control process is complex and locked. It is subject to many inspections, audits and external supervision by its own department every year. In the future, with the introduction and use of digital currency, cash will gradually disappear, the most critical function of the channel department will no longer exist, and the importance of the department will be greatly reduced.

2. The bank channel department is mainly responsible for the following three aspects: First, it is necessary to maintain developed channel relations and visit bank leaders such as bank presidents and wealth management managers regularly; Second, after the completion of new product development, all employees of the bank should be trained in a small range to let them know the design concept and selling point of the product; Third, when selling precious metal products, banks will hold salons, exhibitions, stops and other activities. When the bank holds these activities, the channel department needs to serve the key customers of the bank on the spot, provide some planning and help the bank.

3. The loan can be made according to the following steps: preparing materials. Individuals should first prepare the materials needed for bank loans, generally including loan application, customer ID card, household registration book, income certificate, proof of marital status and other materials (customers with spouses should also provide spouse ID card and household registration book). If it is a mortgage customer, it is necessary to issue a certificate of property rights of the collateral; If it is an unsecured customer, it is necessary to provide a good credit record. Apply. After preparing relevant materials, customers can apply for loans at banks or law firms entrusted by banks. After submitting relevant materials to the bank and paying various fees to the customer, the customer needs to sign a loan contract with the bank as a binding legal document for both parties. Payment review. If it is a house loan, the law firm entrusted by the bank will first review the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will refund the relevant information of the customer and the fees charged.