1.commercial banks should actively phone bank transfer function based on r**k asses**ent and classification,the potential r**k of collection account height,the corresponding setting different transfer number of quotas and restrictions. 2.commercial banks relative to other industry belongs to **rmationization level higher industry,bank data garage accumulated huge amounts of customer **rmation. 3.commercial bank management in analyzing customer's loan application must take into account many factors. 4.in addition to the bank of china,bank of communications,the agricultural bank and the industrial and commercial bank of china,china construction bank in ** and rural areas are also set up many organizations,facilitate you gain financial services. 5.deposit also called cd,** a type of deposit certificate. 6.commercial banks as a financial institution,its business scope includes:from individuals and companies absorb deposits;by providing loans and other financial or business for customers of operation very important financial business to establ**h credit,including funds transfer,cheque,bank safekeeping,etc.