中国邮政储蓄银行一类网点和二类网点两者异同点是什么
中国邮政储蓄银行一类网点和二类网点两者异同点是什么
09-10-03 &匿名提问
起源于江南的钱庄，是中国封建社会后期因货币的兑换而产生的一种信用机构.票号是清代出现的一种以汇兑为主营的金融机构，由山西商人创办经营。由于资本主义的不断入侵，使中国社会渐渐陷入了半封建半殖民地的深渊。强大的外国金融势力控制着中国的金融市场，左右着资金的吞吐，汇率的涨落和金银的出入，使得清末金融风潮不断。再加上钱庄、票号本身也存在着不少弱点，且对外商银行的依赖程度越来越深，导致其抗风险能力的削弱，由此钱庄、票号便退出了历史舞台。钱庄、票号，与银行的相同点是：都属于金融机构，不同点是：钱庄、票号，是我国的前期金融象征，规模较少，势力薄弱；银行，是后期从国外传入的事物，逐渐取代了“钱庄、票号”，而成为新时期的金融力量，逐渐至今发展着！
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一、票据贴现的概述　　票据贴现是指持票人为了资金融通的需要而在票据到期前以贴付一定利息的方式向银行出售票据。对于贴现银行来说，就是收购没有到期的票据。票据贴现的贴现期限都较短，一般不会超过六个月，而且可以办理贴现的票据也仅限于已经承兑的并且尚未到期的商业汇票。二、票据贴现的种类　　一般而言，票据贴现可以分为三种，分别是贴现、转贴现和再贴现。　　贴现是指客户（持票人）将没有到期的票据出卖给贴现银行，以便提前取得现款。一般工商企业向银行办理的票据贴现就属于这一种；　　转贴现是指银行以贴现购得的没有到期的票据向其他商业银行所作的票据转让，转贴现一般是商业银行间相互拆借资金的一种方式；　　再贴现是指贴现银行持未到期的已贴现汇票向人民银行的贴现，通过转让汇票取得人民银行再贷款的行为。再贴现是中央银行的一种信用业务，是中央银行为执行货币政策而运用的一种货币政策工具。三、票据贴现和发放贷款的异同　　票据贴现和发放贷款，都是银行的资产业务，都是为客户融通资金，但二者之间却有许多差别。　　(1)资金流动性不同。由于票据的流通性，票据持有者可到银行或贴现公司进行贴现，换得资金。一般来说，贴现银行只有在票据到期时才能向付款人要求付款，但银行如果急需资金，它可以向中央银行再贴现。但贷款是有期限的，在到期前是不能回收的。　　(2)利息收取时间不同。贴现业务中利息的取得是在业务发生时即从票据面额中扣除，是预先扣除利息。而贷款是事后收取利息，它可以在期满时连同本金一同收回，或根据合同规定，定期收取利息。　　(3)利息率不同，票据贴现的利率要比贷款的利率低，因为持票人贴现票据目的是为了得到现在资金的融通，并非没有这笔资金。如果贴现率太高，则持票人取得融通资金的负担过重，成本过高，贴现业务就不可能发生。　　(4)资金使用范围不同。持票人在贴现了票据以后，就完全拥有了资金的使用权，他可以根据自己的需要使用这笔资金，而不会受到贴现银行和公司的任何限制。但借款人在使用贷款时，要受到贷款银行的审查、监督和控制，因为贷款资金的使用情况直接关系到银行能否很好地回收贷款。　　(5)债务债权的关系人不同。贴现的债务人不是申请贴现的人而是出票人即付款人，遭到拒付时才能向贴现人或背书人追索票款。而贷款的债务人就是申请贷款的人，银行直接与借款人发生债务关系。有时银行也会要求借款人寻找保证人以保证偿还款项，但与贴现业务的关系人相比还是简单的多。　　(6)资金的规模和期限不同。票据贴现的金额一般不太大，每笔贴现业务的资金规模有限，可以允许部分贴现。票据的期限较短，一般为2—4个月。然而贷款的形式多种多样，期限长短不一，规模一般较大，贷款到期的时候，经银行同意，借款人还可继续贷款。　　票据贴现可以使一部分闲散资金拥有者互相利用，共获利益。故贴现在货币市场活动中处于中心地位。票据贴现市场与其他市场相比较，有许多特殊的优点。对银行来说，贴现银行可获得如下利益：利息收益较多；资金收回较快；资金收回较安全等。对于贴现企业，通过贴现可取得短期融通资金。　　银行在贴现票据时，贴现付款额的计算公式如下：　　银行贴现付款额＝票据面额×(1一年贴现率×贴现后至到期天数 \365天)
企业通过票据贴现后向银行承兑借款比商业借款利息较低。将银行承兑汇票办理支付货款不要支付利息，而办承兑汇票存入银行的款可以收入利息。
以上回答的人都是理论家！没有10分不答题！
票据贴现，是说你把你的手中的债权，以低于票面记载金额的价格卖给银行，银行给你现钱，挣的是贴现息（也就是低于票面的那个差额）。银行借款，是说你向银行提出借贷，银行根据你的信用评级来确定是否成交，银行挣的是你的贷款利息。本质上说贴现息和贷款利息是一回事，都是像银行客户提供融资的收益，区别在于，贴现业务，不用经过任何评估审批，柜面直接办理；而贷款，则需要经过提交申请经过评估审批，才予以办理。
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邮储营业网点主要分为三类：一类营业网为银行自营网点，这类网点由银行负责人、财、物管理，有自主权，收益归己；二类营业网点也称共管类营业网点，即银行与邮政局共同经营，收入归邮政局；三类营业网点由邮政局代理，人员、设备等由邮政局安排，收入归邮政局，银行只负责业务指导与审计。
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第1页:300名卸任大学生“村官”邮储银行成功转岗
第2页:“背包银行”送贷下乡
第3页:打造全功能零售商业银行
　　打造全功能零售商业银行
　　中国邮政储蓄银行北京分行（以下简称邮储银行北京分行）于日挂牌成立。新组建的邮储银行秉持“进步 与您同步”的核心价值观，坚持“人人是人才，人人能成才”的育人理念，立足于服务社区、服务中小企业、服务“三农”，致力于在首都北京打造一家有特色的零售商业银行。
　　六大金融业务板块
　　从开办之初仅能办理储蓄、汇兑等基础业务，逐步发展到集合个人业务、信贷业务、理财业务、国际业务、公司业务、批发类资产业务六大金融业务板块、数十项核心产品，从传统的存取款业务拓展到负债业务、中间业务、资产业务等领域，在打造全功能零售商业银行的道路上大跨步前进。
　　资产规模超千亿元
　　截至2010年底，北京分行存款余额突破千亿元大关，达到1150亿元，全年新增存款近300亿元。邮储银行挂牌后，凭借覆盖城乡的网络优势，业务发展步入快车道，目前拥有个人储蓄账户1890万户，拥有绿卡用户954万户，年代发养老金近200亿元，占全市代发量的50%。
　　522家网点连接城乡
　　北京邮政储蓄拥有服务网点522个，网点规模居全市金融机构第三位，汇兑营业网点690个，电子化网点覆盖率达100%。拥有15家一级支行、259家二级支行、248个储蓄所，与全国3.6万个邮政储蓄网点实现互联互通，成为沟通城乡居民个人结算的主渠道。新增ATM 450台，总量达到760台，其中46台邮储银行ATM进驻地铁四号线；41家新建自助银行相继投入使用；95580电话银行正式开通，电话银行、网上银行等电子化服务渠道让越来越多的客户享受到邮储银行方便、快捷、优质的金融服务。
　　公司业务八大产品体系
　　经监管部门批准，2008年5月，北京分行正式面向广大企事业单位办理公司业务。两年多来，北京分行公司业务取得了快速发展，目前已开办公司业务网点77个，均匀覆盖城乡，服务客户达2万余户。北京分行注重发挥网络优势，不断拓宽对公服务领域，与相关政府部门、企事业单位建立了广泛深入的合作关系，服务涉及电力、通讯、热力、石油、医院、军队、能源、商业连锁等多个行业单位。自开办公司业务以来，邮储银行不断丰富业务品种，逐步形成了对公存款、贷款融资、支付结算、中间业务、票据业务、现金管理、国际业务、企业网银八大产品体系，为众多企业提供便捷的金融服务。
　　小额贷款专家
　　邮储银行北京分行通过观念创新、产品创新和服务创新，创立了一系列社会知名、百姓信赖的信贷服务品牌。先后推出了专为农户、个体商户和中小企业设计的“好借好还”小额贷款、个人商务贷款、小企业贷款，以及为满足城乡百姓买房、购车、装修等消费需求的“佳信家美”个人二手房按揭贷款、个人综合消费贷款等系列产品。北京分行还与多家银行合作开展银团贷款、协议存款业务300多亿元，贷款领域涉及企业融资、基础设施建设和城市综合环境治理等，积极为首都经济建设提供资金支持。
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进口商品吸收国内“纯购买力”，恰恰有利于抑制通胀。
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JavaScript
工作中用到的一个功能，下面是用js实现的一个util。花了不少的时间折腾这个，把结果分享给大家。
(function() {
//cardType:DC-&储蓄卡,CC-&信用卡
//var root =
var cardTypeMap = {
DC: &储蓄卡&,
CC: &信用卡&,
SCC: &准贷记卡&,
PC: &预付费卡&
function isFunction(fn) {
return Object.prototype.toString.call(fn) === '[object Function]';
function extend(target, source) {
var result = {};
target = target || {};
source = source || {};
for (key in target) {
if (target.hasOwnProperty(key)) {
result[key] = target[key];
for (key in source) {
if (source.hasOwnProperty(key)) {
result[key] = source[key];
function getCardTypeName(cardType) {
if (cardTypeMap[cardType]) {
return cardTypeMap[cardType]
var bankcardList = [
bankName: &中国邮政储蓄银行&,
bankCode: &PSBC&,
patterns: [
reg: /^(098|151|188|100|062|798|797|622|674|219)\d{13}$/g,
cardType: &DC&
reg: /^(51|49)\d{11}$/g,
cardType: &DC&
reg: /^(810|310|625919)\d{10}$/g,
cardType: &CC&
bankName: &中国工商银行&,
bankCode: &ICBC&,
patterns: [
reg: /^(302|403|406|409|411|502|405|512|604|611|704|707|709|609|713|802|904|001|103|106|102|204|206|208|210|303|305|307|311|211|304|404|406|408|410|317|602|604|608|610|612|614|616|607|804|813|817|904|906|908|910|912|915|903|005|007|010|012|015|003|019|102|104|013|114|110|304|306|308|314|317|402|404|504|509|517|604|606|703|806|903|002|008|012|015|202|400|602|901|100|301|700|624000)\d{12}$/g,
cardType: &DC&
reg: /^(202|208|058|000|559|723|226|516|288|010|670|379|724|414|926|928|930|733|372|763)\d{13}$/g,
cardType: &DC&
reg: /^(028|259|423|434|749|378|949|730|433|764|765|377|374|781)\d{10}$/g,
cardType: &DC&
reg: /^(9558)\d{15}$/g,
cardType: &DC&
reg: /^(248|247|738|374739)\d{9}$/g,
cardType: &CC&
reg: /^(018|020|030|125|804|811|734|736|062|064|990|047|230|232|234|237|240|238|810|071|286|836|098|246|943|880|882|330|332|374|929|939|930|159|022|889|915|171|113|914|925|926|158|922|933|924|018|625019)\d{10}$/g,
cardType: &CC&
reg: /^(|)\d{11}$/g,
cardType: &CC&
reg: /^(211|213|220|225|215|622224)\d{10}$/g,
cardType: &SCC&
reg: /^(142|030|143|124|094|148|620185)\d{10}$/g,
cardType: &PC&
reg: /^(187|620046)\d{13}$/g,
cardType: &PC&
bankName: &中国农业银行&,
bankCode: &ABC&,
patterns: [
reg: /^(824|848|282|823|619|822|827|849|206|840|844|847|620501)\d{13}$/g,
cardType: &DC&
reg: /^(||95599)\d{14}$/g,
cardType: &DC&
reg: /^(103)\d{16}$/g,
cardType: &DC&
reg: /^(117|119|121|412|082|599|027|837|996|997|336|827|478|628269)\d{10}$/g,
cardType: &CC&
reg: /^(830)\d{10}$/g,
cardType: &SCC&
bankName: &中国银行&,
bankCode: &BOC&,
patterns: [
reg: /^(661|663|667|669|351|256|283|725|331|333|568|672|620|757|759|786|788|790|274|772|741|621041)\d{13}$/g,
cardType: &DC&
reg: /^(294|343|394|248|249|638|395|348)\d{10}$/g,
cardType: &DC&
reg: /^(910|833|665|668|670|672|316|412|667|742|958|388|788|312|751|479|789|346|622347)\d{10}$/g,
cardType: &CC&
reg: /^(379|475|865|746|868|753|864|758|761|763|754|765|905|907|625333)\d{10}$/g,
cardType: &SCC&
reg: /^(|377677)\d{11}$/g,
cardType: &SCC&
reg: /^(025|210|019|202|048|000)\d{10}$/g,
cardType: &PC&
reg: /^(531|000|620038)\d{13}$/g,
cardType: &PC&
bankName: &中国建设银行&,
bankCode: &CCB&,
patterns: [
reg: /^(742|060|467|621|280|211|623668)\d{13}$/g,
cardType: &DC&
reg: /^(061|094|245|082|488|966|382|083|107)\d{10}$/g,
cardType: &DC&
reg: /^(2280193)\d{10}$/g,
cardType: &DC&
reg: /^(553242)\d{12}$/g,
cardType: &CC&
reg: /^(363|317|899|718|745|592|450|887|080|051|168|964|966|366|675|677)\d{10}$/g,
cardType: &CC&
reg: /^()\d{11}$/g,
cardType: &CC&
reg: /^(728|242|033|955|625956)\d{10}$/g,
cardType: &SCC&
reg: /^()\d{11}$/g,
cardType: &SCC&
bankName: &中国交通银行&,
bankCode: &COMM&,
patterns: [
reg: /^(260|002|436|621335)\d{13}$/g,
cardType: &DC&
reg: /^(620013)\d{10}$/g,
cardType: &DC&
reg: /^(428|428|259|428)\d{11}$/g,
cardType: &DC&
reg: /^()\d{11}$/g,
cardType: &CC&
reg: /^(123|169|853|251|253|216|590|592|218|029)\d{10}$/g,
cardType: &CC&
reg: /^(255|257|622284)\d{10}$/g,
cardType: &SCC&
reg: /^(521)\d{13}$/g,
cardType: &PC&
bankName: &招商银行&,
bankCode: &CMB&,
patterns: [
reg: /^(062|425|580|598|55|483|486|621299)(\d{10}|\d{11})$/g,
cardType: &DC&
reg: /^(690755)\d{9}$/g,
cardType: &DC&
reg: /^(690755)\d{12}$/g,
cardType: &DC&
reg: /^(886|888|188|228|302|620|947|534|575|577|579|581|623|225|718|226|802|625803)\d{10}$/g,
cardType: &CC&
reg: /^(286|289)\d{9}$/g,
cardType: &CC&
reg: /^(620520)\d{13}$/g,
cardType: &PC&
bankName: &中国民生银行&,
bankCode: &CMBC&,
patterns: [
reg: /^(616|622|619|393|570|067|620)\d{10}$/g,
cardType: &DC&
reg: /^(393|447|857|869|871|856|288|601|636|258|603|581|217|858|912|911)\d{10}$/g,
cardType: &CC&
reg: /^(152|158)\d{9}$/g,
cardType: &CC&
bankName: &中国光大银行&,
bankCode: &CEB&,
patterns: [
reg: /^(303)\d{13}$/g,
cardType: &DC&
reg: /^(90030)\d{11}$/g,
cardType: &DC&
reg: /^(620535)\d{13}$/g,
cardType: &DC&
reg: /^(660|663|665|667|670|672|661|673|489|621492)\d{10}$/g,
cardType: &DC&
reg: /^(838|657|659|978|981|839|252|862|090|161|650|658|977|202|976)\d{10}$/g,
cardType: &CC&
bankName: &中信银行&,
bankCode: &CITIC&,
patterns: [
reg: /^(680|730|690|692|698|999|807|809|767|770|773|456)\d{10}$/g,
cardType: &DC&
reg: /^(622459)\d{11}$/g,
cardType: &DC&
reg: /^(969|376966)\d{9}$/g,
cardType: &CC&
reg: /^(391|158|171|173|157|668|906|108|916|679|688|206|209|208|391|916|919)\d{10}$/g,
cardType: &CC&
bankName: &华夏银行&,
bankCode: &HXBANK&,
patterns: [
reg: /^(631|633|222|021|023)\d{10}$/g,
cardType: &DC&
reg: /^(709|868|638|708|967|969)\d{10}$/g,
cardType: &CC&
bankName: &深发/平安银行&,
bankCode: &SPABANK&,
patterns: [
reg: /^(058)\d{13}$/g,
cardType: &DC&
reg: /^(986|298|068|067|752|535|538|800|983)\d{10}$/g,
cardType: &DC&
reg: /^(157|155|855|868|361|744|536|526|802)\d{10}$/g,
cardType: &CC&
reg: /^(620010)\d{10}$/g,
cardType: &PC&
bankName: &兴业银行&,
bankCode: &CIB&,
patterns: [
reg: /^(438589)\d{12}$/g,
cardType: &DC&
reg: /^(90592)\d{11}$/g,
cardType: &DC&
reg: /^(909|908)\d{12}$/g,
cardType: &DC&
reg: /^(493|861|289|057|902|212|070|085|087|633|082|960|962|625963)\d{10}$/g,
cardType: &CC&
reg: /^(620010)\d{10}$/g,
cardType: &PC&
bankName: &上海银行&,
bankCode: &SHBANK&,
patterns: [
reg: /^(172|987|267|279|892|940021)\d{12}$/g,
cardType: &DC&
reg: /^(438600)\d{10}$/g,
cardType: &DC&
reg: /^(828|673|466|131|838|149|829|230|099|625953)\d{10}$/g,
cardType: &CC&
bankName: &浦东发展银行&,
bankCode: &SPDB&,
patterns: [
reg: /^(517|521|523|303|793|796|390|791)\d{10}$/g,
cardType: &DC&
reg: /^(||||||84342)\d{11}$/g,
cardType: &DC&
reg: /^(852|739|451|850|998|277|500|176|228|958|831)\d{10}$/g,
cardType: &CC&
reg: /^(519)\d{10}$/g,
cardType: &SCC&
reg: /^(620530)\d{13}$/g,
cardType: &PC&
bankName: &广发银行&,
bankCode: &GDB&,
patterns: [
reg: /^(517|521|523|303|793|796|390|791)\d{10}$/g,
cardType: &DC&
reg: /^(|621462)\d{13}$/g,
cardType: &DC&
reg: /^(9111)\d{15}$/g,
cardType: &DC&
reg: /^(366|768|770|032|034|036|038|364|382|710|794|555|557|559|931|072|260|805|807|809|625810)\d{10}$/g,
cardType: &CC&
reg: /^(8000)\d{13}$/g,
cardType: &CC&
bankName: &渤海银行&,
bankCode: &BOHAIB&,
patterns: [
reg: /^(684|453)\d{10}$/g,
cardType: &DC&
bankName: &广州银行&,
bankCode: &GCB&,
patterns: [
reg: /^(467|463)\d{13}$/g,
cardType: &DC&
bankName: &金华银行&,
bankCode: &JHBANK&,
patterns: [
reg: /^(051)\d{10}$/g,
cardType: &DC&
reg: /^(204)\d{10}$/g,
cardType: &CC&
bankName: &温州银行&,
bankCode: &WZCB&,
patterns: [
reg: /^(621977)\d{10}$/g,
cardType: &DC&
reg: /^(899|628255)\d{10}$/g,
cardType: &CC&
bankName: &徽商银行&,
bankCode: &HSBANK&,
patterns: [
reg: /^(879|203)\d{13}$/g,
cardType: &DC&
reg: /^(137|340|622366)\d{11}$/g,
cardType: &DC&
reg: /^(651|625828)\d{10}$/g,
cardType: &CC&
bankName: &江苏银行&,
bankCode: &JSBANK&,
patterns: [
reg: /^(173|579|622876)\d{13}$/g,
cardType: &DC&
reg: /^(422|076)\d{10}$/g,
cardType: &DC&
reg: /^(283|625902)\d{10}$/g,
cardType: &CC&
bankName: &南京银行&,
bankCode: &NJCB&,
patterns: [
reg: /^(305|621259)\d{10}$/g,
cardType: &DC&
reg: /^(242|596)\d{10}$/g,
cardType: &CC&
bankName: &宁波银行&,
bankCode: &NBBANK&,
patterns: [
reg: /^(281|022)\d{10}$/g,
cardType: &DC&
reg: /^(621418)\d{13}$/g,
cardType: &DC&
reg: /^(778|431|282|622318)\d{10}$/g,
cardType: &CC&
bankName: &北京银行&,
bankCode: &BJBANK&,
patterns: [
reg: /^(317|969|030|468)\d{10}$/g,
cardType: &DC&
reg: /^(163|203|852)\d{10}$/g,
cardType: &CC&
bankName: &北京农村商业银行&,
bankCode: &BJRCB&,
patterns: [
reg: /^(068|066|621560)\d{13}$/g,
cardType: &DC&
reg: /^(186|628336)\d{10}$/g,
cardType: &CC&
bankName: &汇丰银行&,
bankCode: &HSBC&,
patterns: [
reg: /^(622946)\d{10}$/g,
cardType: &DC&
reg: /^(442)\d{11}$/g,
cardType: &DC&
reg: /^(443)\d{13}$/g,
cardType: &DC&
reg: /^(361|096|625098)\d{10}$/g,
cardType: &CC&
bankName: &渣打银行&,
bankCode: &SCB&,
patterns: [
reg: /^(740|994)\d{10}$/g,
cardType: &DC&
reg: /^(483|622484)\d{10}$/g,
cardType: &CC&
bankName: &花旗银行&,
bankCode: &CITI&,
patterns: [
reg: /^(063)\d{10}$/g,
cardType: &DC&
reg: /^(077|075|091)\d{10}$/g,
cardType: &CC&
bankName: &东亚银行&,
bankCode: &HKBEA&,
patterns: [
reg: /^(938|943|621411)\d{13}$/g,
cardType: &DC&
reg: /^(471|265|972|625973)\d{10}$/g,
cardType: &CC&
reg: /^(622365)\d{11}$/g,
cardType: &CC&
bankName: &广东华兴银行&,
bankCode: &GHB&,
patterns: [
reg: /^(625)\d{13}$/g,
cardType: &DC&
bankName: &深圳农村商业银行&,
bankCode: &SRCB&,
patterns: [
reg: /^(129|623035)\d{10}$/g,
cardType: &DC&
bankName: &广州农村商业银行股份有限公司&,
bankCode: &GZRCU&,
patterns: [
reg: /^(035|439)\d{12}$/g,
cardType: &DC&
bankName: &东莞农村商业银行&,
bankCode: &DRCBCL&,
patterns: [
reg: /^(062|623038)\d{13}$/g,
cardType: &DC&
reg: /^(888)\d{10}$/g,
cardType: &CC&
bankName: &东莞市商业银行&,
bankCode: &BOD&,
patterns: [
reg: /^(050)\d{10}$/g,
cardType: &DC&
reg: /^(010)\d{13}$/g,
cardType: &DC&
reg: /^(622888)\d{10}$/g,
cardType: &CC&
bankName: &广东省农村信用社联合社&,
bankCode: &GDRCC&,
patterns: [
reg: /^(622302)\d{10}$/g,
cardType: &DC&
reg: /^(509|362|518)\d{13}$/g,
cardType: &DC&
bankName: &大新银行&,
bankCode: &DSB&,
patterns: [
reg: /^(277)\d{10}$/g,
cardType: &DC&
reg: /^(489)\d{11}$/g,
cardType: &DC&
reg: /^(295|373|294|625940)\d{10}$/g,
cardType: &CC&
bankName: &永亨银行&,
bankCode: &WHB&,
patterns: [
reg: /^(958|957|932|298)\d{10}$/g,
cardType: &DC&
reg: /^(010|785)\d{10}$/g,
cardType: &CC&
bankName: &星展银行香港有限公司&,
bankCode: &DBS&,
patterns: [
reg: /^(015)\d{13}$/g,
cardType: &DC&
reg: /^(490|492)\d{10}$/g,
cardType: &DC&
reg: /^(490|492|745|747)\d{11}$/g,
cardType: &DC&
bankName: &恒丰银行&,
bankCode: &EGBANK&,
patterns: [
reg: /^(623078)\d{13}$/g,
cardType: &DC&
reg: /^(034)\d{11}$/g,
cardType: &DC&
bankName: &天津市商业银行&,
bankCode: &TCCB&,
patterns: [
reg: /^(331)\d{12}$/g,
cardType: &DC&
reg: /^(6091201)\d{11}$/g,
cardType: &DC&
reg: /^(205)\d{10}$/g,
cardType: &CC&
bankName: &浙商银行&,
bankCode: &CZBANK&,
patterns: [
reg: /^(309|621019)\d{13}$/g,
cardType: &DC&
reg: /^(||||||||)\d{9}$/g,
cardType: &DC&
bankName: &南洋商业银行&,
bankCode: &NCB&,
patterns: [
reg: /^(289|291|042|621743)\d{13}$/g,
cardType: &DC&
reg: /^(351)\d{10}$/g,
cardType: &DC&
reg: /^(044|349|622350)\d{10}$/g,
cardType: &CC&
reg: /^(209|095)\d{10}$/g,
cardType: &PC&
bankName: &厦门银行&,
bankCode: &XMBANK&,
patterns: [
reg: /^(023)\d{10}$/g,
cardType: &DC&
reg: /^(6886592)\d{11}$/g,
cardType: &DC&
reg: /^(600|)\d{13}$/g,
cardType: &DC&
bankName: &福建海峡银行&,
bankCode: &FJHXBC&,
patterns: [
reg: /^(622388)\d{10}$/g,
cardType: &DC&
reg: /^(063)\d{12}$/g,
cardType: &DC&
reg: /^(620043|)\d{12}$/g,
cardType: &PC&
bankName: &吉林银行&,
bankCode: &JLBANK&,
patterns: [
reg: /^(131)\d{13}$/g,
cardType: &DC&
reg: /^(940012)\d{10}$/g,
cardType: &DC&
reg: /^(179|628358)\d{10}$/g,
cardType: &CC&
bankName: &汉口银行&,
bankCode: &HKB&,
patterns: [
reg: /^(990027)\d{12}$/g,
cardType: &DC&
reg: /^(105|623029)\d{10}$/g,
cardType: &DC&
bankName: &盛京银行&,
bankCode: &SJBANK&,
patterns: [
reg: /^(566666)\d{12}$/g,
cardType: &DC&
reg: /^(039)\d{13}$/g,
cardType: &DC&
reg: /^(081)\d{10}$/g,
cardType: &DC&
reg: /^(285)\d{10}$/g,
cardType: &CC&
bankName: &大连银行&,
bankCode: &DLB&,
patterns: [
reg: /^(603708)\d{11}$/g,
cardType: &DC&
reg: /^(069|172|623173)\d{13}$/g,
cardType: &DC&
reg: /^(385|628299)\d{10}$/g,
cardType: &CC&
bankName: &河北银行&,
bankCode: &BHB&,
patterns: [
reg: /^(499|046)\d{13}$/g,
cardType: &DC&
reg: /^(321)\d{10}$/g,
cardType: &CC&
bankName: &乌鲁木齐市商业银行&,
bankCode: &URMQCCB&,
patterns: [
reg: /^(143|754)\d{13}$/g,
cardType: &DC&
reg: /^(278)\d{10}$/g,
cardType: &CC&
bankName: &绍兴银行&,
bankCode: &SXCB&,
patterns: [
reg: /^(622486)\d{10}$/g,
cardType: &DC&
reg: /^(026|623086)\d{12}$/g,
cardType: &DC&
reg: /^(628291)\d{10}$/g,
cardType: &CC&
bankName: &成都商业银行&,
bankCode: &CDCB&,
patterns: [
reg: /^(154|997|153|482|621532)\d{13}$/g,
cardType: &DC&
bankName: &抚顺银行&,
bankCode: &FSCB&,
patterns: [
reg: /^(622442)\d{11}$/g,
cardType: &DC&
reg: /^(940053)\d{12}$/g,
cardType: &DC&
reg: /^(099)\d{13}$/g,
cardType: &DC&
bankName: &郑州银行&,
bankCode: &ZZBANK&,
patterns: [
reg: /^(622421)\d{13}$/g,
cardType: &DC&
reg: /^(940056)\d{11}$/g,
cardType: &DC&
reg: /^(96828)\d{11}$/g,
cardType: &DC&
bankName: &宁夏银行&,
bankCode: &NXBANK&,
patterns: [
reg: /^(429|089|623200)\d{13}$/g,
cardType: &DC&
reg: /^(529|622428)\d{10}$/g,
cardType: &CC&
bankName: &重庆银行&,
bankCode: &CQBANK&,
patterns: [
reg: /^(9896)\d{12}$/g,
cardType: &DC&
reg: /^(018|623016)\d{10}$/g,
cardType: &DC&
bankName: &哈尔滨银行&,
bankCode: &HRBANK&,
patterns: [
reg: /^(425)\d{13}$/g,
cardType: &DC&
reg: /^(940049)\d{12}$/g,
cardType: &DC&
reg: /^(622425)\d{11}$/g,
cardType: &DC&
bankName: &兰州银行&,
bankCode: &LZYH&,
patterns: [
reg: /^(040|628263)\d{10}$/g,
cardType: &DC&
reg: /^(538|621496)\d{13}$/g,
cardType: &DC&
bankName: &青岛银行&,
bankCode: &QDCCB&,
patterns: [
reg: /^(146|239)\d{10}$/g,
cardType: &DC&
reg: /^(170)\d{13}$/g,
cardType: &DC&
bankName: &秦皇岛市商业银行&,
bankCode: &QHDCCB&,
patterns: [
reg: /^(04602)\d{11}$/g,
cardType: &DC&
reg: /^(003)\d{13}$/g,
cardType: &DC&
bankName: &青海银行&,
bankCode: &BOQH&,
patterns: [
reg: /^(068)\d{11}$/g,
cardType: &DC&
reg: /^(287|625959)\d{10}$/g,
cardType: &CC&
reg: /^()\d{8}$/g,
cardType: &CC&
bankName: &台州银行&,
bankCode: &TZCB&,
patterns: [
reg: /^(622427)\d{10}$/g,
cardType: &DC&
reg: /^(940069)\d{11}$/g,
cardType: &DC&
reg: /^(623039)\d{13}$/g,
cardType: &DC&
reg: /^(273)\d{10}$/g,
cardType: &CC&
reg: /^(625001)\d{10}$/g,
cardType: &SCC&
bankName: &长沙银行&,
bankCode: &CSCB&,
patterns: [
reg: /^(694301)\d{12}$/g,
cardType: &DC&
reg: /^(368|621446)\d{13}$/g,
cardType: &DC&
reg: /^(898|281|806|628283)\d{10}$/g,
cardType: &CC&
reg: /^(620519)\d{13}$/g,
cardType: &PC&
bankName: &泉州银行&,
bankCode: &BOQZ&,
patterns: [
reg: /^(074)\d{12}$/g,
cardType: &DC&
reg: /^(622370)\d{13}$/g,
cardType: &DC&
reg: /^(621437)\d{13}$/g,
cardType: &DC&
reg: /^(628319)\d{10}$/g,
cardType: &CC&
bankName: &包商银行&,
bankCode: &BSB&,
patterns: [
reg: /^(760)\d{11}$/g,
cardType: &DC&
reg: /^(622165)\d{10}$/g,
cardType: &DC&
reg: /^(950|628295)\d{10}$/g,
cardType: &CC&
bankName: &龙江银行&,
bankCode: &DAQINGB&,
patterns: [
reg: /^(097|977)\d{13}$/g,
cardType: &DC&
reg: /^()\d{11}$/g,
cardType: &DC&
reg: /^(622860)\d{10}$/g,
cardType: &DC&
reg: /^(333)\d{10}$/g,
cardType: &CC&
bankName: &上海农商银行&,
bankCode: &SHRCB&,
patterns: [
reg: /^(013|621495)\d{10}$/g,
cardType: &DC&
reg: /^(625500)\d{10}$/g,
cardType: &SCC&
reg: /^(722|989)\d{10}$/g,
cardType: &CC&
bankName: &浙江泰隆商业银行&,
bankCode: &ZJQL&,
patterns: [
reg: /^(622717)\d{10}$/g,
cardType: &SCC&
reg: /^(565|622287)\d{10}$/g,
cardType: &CC&
bankName: &内蒙古银行&,
bankCode: &H3CB&,
patterns: [
reg: /^(633)\d{13}$/g,
cardType: &DC&
reg: /^(628252)\d{10}$/g,
cardType: &CC&
bankName: &广西北部湾银行&,
bankCode: &BGB&,
patterns: [
reg: /^(623001)\d{10}$/g,
cardType: &DC&
reg: /^(628227)\d{10}$/g,
cardType: &CC&
bankName: &桂林银行&,
bankCode: &GLBANK&,
patterns: [
reg: /^(621456)\d{11}$/g,
cardType: &DC&
reg: /^(621562)\d{13}$/g,
cardType: &DC&
reg: /^(628219)\d{10}$/g,
cardType: &CC&
bankName: &龙江银行&,
bankCode: &DAQINGB&,
patterns: [
reg: /^(097|977)\d{13}$/g,
cardType: &DC&
reg: /^()\d{11}$/g,
cardType: &DC&
reg: /^(860)\d{10}$/g,
cardType: &DC&
reg: /^(625588)\d{10}$/g,
cardType: &SCC&
reg: /^(368|644|628333)\d{10}$/g,
cardType: &CC&
bankName: &成都农村商业银行&,
bankCode: &CDRCB&,
patterns: [
reg: /^(623088)\d{13}$/g,
cardType: &DC&
reg: /^(301|308)\d{10}$/g,
cardType: &CC&
bankName: &福建省农村信用社联合社&,
bankCode: &FJNX&,
patterns: [
reg: /^(184|251|036)\d{13}$/g,
cardType: &DC&
reg: /^(802|622290)\d{10}$/g,
cardType: &CC&
bankName: &天津农村商业银行&,
bankCode: &TRCB&,
patterns: [
reg: /^(329)\d{13}$/g,
cardType: &DC&
reg: /^(301)\d{10}$/g,
cardType: &CC&
bankName: &江苏省农村信用社联合社&,
bankCode: &JSRCU&,
patterns: [
reg: /^(066|324)\d{13}$/g,
cardType: &DC&
reg: /^(816|628226)\d{10}$/g,
cardType: &CC&
bankName: &湖南农村信用社联合社&,
bankCode: &SLH&,
patterns: [
reg: /^(386|506)\d{10}$/g,
cardType: &CC&
bankName: &江西省农村信用社联合社&,
bankCode: &JXNCX&,
patterns: [
reg: /^(621592)\d{10}$/g,
cardType: &DC&
reg: /^(628392)\d{10}$/g,
cardType: &CC&
bankName: &商丘市商业银行&,
bankCode: &SCBBANK&,
patterns: [
reg: /^(621748)\d{13}$/g,
cardType: &DC&
reg: /^(628271)\d{10}$/g,
cardType: &CC&
bankName: &华融湘江银行&,
bankCode: &HRXJB&,
patterns: [
reg: /^(388)\d{13}$/g,
cardType: &DC&
reg: /^(628328)\d{10}$/g,
cardType: &CC&
bankName: &衡水市商业银行&,
bankCode: &HSBK&,
patterns: [
reg: /^(068)\d{13}$/g,
cardType: &DC&
bankName: &重庆南川石银村镇银行&,
bankCode: &CQNCSYCZ&,
patterns: [
reg: /^()\d{10}$/g,
cardType: &DC&
bankName: &湖南省农村信用社联合社&,
bankCode: &HNRCC&,
patterns: [
reg: /^(519|090)\d{13}$/g,
cardType: &DC&
bankName: &邢台银行&,
bankCode: &XTB&,
patterns: [
reg: /^(528)\d{13}$/g,
cardType: &DC&
bankName: &临汾市尧都区农村信用合作联社&,
bankCode: &LPRDNCXYS&,
patterns: [
reg: /^(158)\d{10}$/g,
cardType: &CC&
bankName: &东营银行&,
bankCode: &DYCCB&,
patterns: [
reg: /^(621004)\d{12}$/g,
cardType: &DC&
reg: /^(628217)\d{10}$/g,
cardType: &CC&
bankName: &上饶银行&,
bankCode: &SRBANK&,
patterns: [
reg: /^(621416)\d{10}$/g,
cardType: &DC&
reg: /^(628217)\d{10}$/g,
cardType: &CC&
bankName: &德州银行&,
bankCode: &DZBANK&,
patterns: [
reg: /^(622937)\d{13}$/g,
cardType: &DC&
reg: /^(628397)\d{10}$/g,
cardType: &CC&
bankName: &承德银行&,
bankCode: &CDB&,
patterns: [
reg: /^(628229)\d{10}$/g,
cardType: &CC&
bankName: &云南省农村信用社&,
bankCode: &YNRCC&,
patterns: [
reg: /^(307)\d{10}$/g,
cardType: &CC&
bankName: &柳州银行&,
bankCode: &LZCCB&,
patterns: [
reg: /^(291|621412)\d{12}$/g,
cardType: &DC&
reg: /^(881)\d{10}$/g,
cardType: &DC&
reg: /^(62829)\d{10}$/g,
cardType: &CC&
bankName: &威海市商业银行&,
bankCode: &WHSYBANK&,
patterns: [
reg: /^(623102)\d{10}$/g,
cardType: &DC&
reg: /^(628234)\d{10}$/g,
cardType: &CC&
bankName: &湖州银行&,
bankCode: &HZBANK&,
patterns: [
reg: /^(628306)\d{10}$/g,
cardType: &CC&
bankName: &潍坊银行&,
bankCode: &BANKWF&,
patterns: [
reg: /^(072)\d{10}$/g,
cardType: &DC&
reg: /^(628391)\d{10}$/g,
cardType: &CC&
bankName: &赣州银行&,
bankCode: &GZB&,
patterns: [
reg: /^(073)\d{13}$/g,
cardType: &DC&
reg: /^(628233)\d{10}$/g,
cardType: &CC&
bankName: &日照银行&,
bankCode: &RZGWYBANK&,
patterns: [
reg: /^(628257)\d{10}$/g,
cardType: &CC&
bankName: &南昌银行&,
bankCode: &NCB&,
patterns: [
reg: /^(275)\d{10}$/g,
cardType: &DC&
reg: /^(940006)\d{11}$/g,
cardType: &DC&
reg: /^(628305)\d{11}$/g,
cardType: &CC&
bankName: &贵阳银行&,
bankCode: &GYCB&,
patterns: [
reg: /^(735)\d{13}$/g,
cardType: &DC&
reg: /^(888)\d{13}$/g,
cardType: &DC&
reg: /^(628213)\d{10}$/g,
cardType: &CC&
bankName: &锦州银行&,
bankCode: &BOJZ&,
patterns: [
reg: /^(003)\d{11}$/g,
cardType: &DC&
reg: /^(628261)\d{10}$/g,
cardType: &CC&
bankName: &齐商银行&,
bankCode: &QSBANK&,
patterns: [
reg: /^(057)\d{11}$/g,
cardType: &DC&
reg: /^(628311)\d{10}$/g,
cardType: &CC&
bankName: &珠海华润银行&,
bankCode: &RBOZ&,
patterns: [
reg: /^(048)\d{13}$/g,
cardType: &DC&
reg: /^(628270)\d{10}$/g,
cardType: &CC&
bankName: &葫芦岛市商业银行&,
bankCode: &HLDCCB&,
patterns: [
reg: /^(054)\d{10}$/g,
cardType: &DC&
bankName: &宜昌市商业银行&,
bankCode: &HBC&,
patterns: [
reg: /^(940055)\d{11}$/g,
cardType: &DC&
reg: /^(622397)\d{11}$/g,
cardType: &CC&
bankName: &杭州商业银行&,
bankCode: &HZCB&,
patterns: [
reg: /^(878)\d{12}$/g,
cardType: &DC&
reg: /^(622397)\d{11}$/g,
cardType: &CC&
bankName: &苏州市商业银行&,
bankCode: &JSBANK&,
patterns: [
reg: /^(603506)\d{13}$/g,
cardType: &DC&
bankName: &辽阳银行&,
bankCode: &LYCB&,
patterns: [
reg: /^(043)\d{11}$/g,
cardType: &DC&
bankName: &洛阳银行&,
bankCode: &LYB&,
patterns: [
reg: /^(041)\d{11}$/g,
cardType: &DC&
bankName: &焦作市商业银行&,
bankCode: &JZCBANK&,
patterns: [
reg: /^(622338)\d{13}$/g,
cardType: &DC&
reg: /^(940032)\d{10}$/g,
cardType: &DC&
bankName: &镇江市商业银行&,
bankCode: &ZJCCB&,
patterns: [
reg: /^(025)\d{10}$/g,
cardType: &DC&
bankName: &法国兴业银行&,
bankCode: &FGXYBANK&,
patterns: [
reg: /^(621245)\d{10}$/g,
cardType: &DC&
bankName: &大华银行&,
bankCode: &DYBANK&,
patterns: [
reg: /^(621328)\d{13}$/g,
cardType: &DC&
bankName: &企业银行&,
bankCode: &DIYEBANK&,
patterns: [
reg: /^(621651)\d{13}$/g,
cardType: &DC&
bankName: &华侨银行&,
bankCode: &HQBANK&,
patterns: [
reg: /^(621077)\d{10}$/g,
cardType: &DC&
bankName: &恒生银行&,
bankCode: &HSB&,
patterns: [
reg: /^(441)\d{13}$/g,
cardType: &DC&
reg: /^(440)\d{11}$/g,
cardType: &DC&
reg: /^(951)\d{10}$/g,
cardType: &DC&
reg: /^(024|378|092)\d{10}$/g,
cardType: &CC&
bankName: &临沂商业银行&,
bankCode: &LSB&,
patterns: [
reg: /^(066)\d{13}$/g,
cardType: &DC&
bankName: &烟台商业银行&,
bankCode: &YTCB&,
patterns: [
reg: /^(622886)\d{10}$/g,
cardType: &DC&
bankName: &齐鲁银行&,
bankCode: &QLB&,
patterns: [
reg: /^(379)\d{13}$/g,
cardType: &DC&
reg: /^(628379)\d{10}$/g,
cardType: &CC&
bankName: &BC卡公司&,
bankCode: &BCCC&,
patterns: [
reg: /^(027|039|106|123|220|812|011|020|025|031|039|220|621003)\d{10}$/g,
cardType: &DC&
reg: /^(011|020|025|031|039|079|106|112|123|127|032|178|220|111|244)\d{10}$/g,
cardType: &CC&
bankName: &集友银行&,
bankCode: &CYB&,
patterns: [
reg: /^(042)\d{10}$/g,
cardType: &DC&
reg: /^(742)\d{13}$/g,
cardType: &DC&
reg: /^(353|053|625060)\d{10}$/g,
cardType: &CC&
reg: /^(207)\d{10}$/g,
cardType: &PC&
bankName: &大丰银行&,
bankCode: &TFB&,
patterns: [
reg: /^(548|622546)\d{13}$/g,
cardType: &DC&
reg: /^(196|625147)\d{10}$/g,
cardType: &CC&
reg: /^(620072)\d{13}$/g,
cardType: &PC&
reg: /^(205)\d{10}$/g,
cardType: &PC&
bankName: &AEON信贷财务亚洲有限公司&,
bankCode: &AEON&,
patterns: [
reg: /^(941|622974)\d{10}$/g,
cardType: &DC&
reg: /^(622493)\d{10}$/g,
cardType: &CC&
bankName: &澳门BDA&,
bankCode: &MABDA&,
patterns: [
reg: /^(324)\d{13}$/g,
cardType: &DC&
function getBankNameByBankCode(bankcode) {
for (var i = 0, len = bankcardList. i & i++) {
var bankcard = bankcardList[i];
if (bankcode == bankcard.bankCode) {
return bankcard.bankN
return &&;
function _getBankInfoByCardNo(cardNo, cbf) {
for (var i = 0, len = bankcardList. i & i++) {
var bankcard = bankcardList[i];
var patterns = bankcard.
for (var j = 0, jLen = patterns. j & jL j++) {
var pattern = patterns[j];
if ((new RegExp(pattern.reg)).test(cardNo)) {
var info = extend(bankcard, pattern);
delete info.
delete info.
info['cardTypeName'] = getCardTypeName(info['cardType']);
return cbf(null, info);
return cbf(null);
function _getBankInfoByCardNoAsync(cardNo, cbf) {
var errMsg = &&;
_getBankInfoByCardNo(cardNo, function (err, info) {
if (!err && info) {
return cbf(null, info);
cbf(cardNo + &:该银行卡不存在&);
function getBankBin(cardNo, cbf) {
var errMsg = '';
if (!isFunction(cbf)) {
cbf = function () {
if (isNaN(cardNo)) {
cardNo = parseInt(cardNo);
if (isNaN(cardNo)) {
checkFlag =
errMsg = cardNo + ':银行卡号必须是数字';
return cbf(errMsg)
if (cardNo.toString().length & 15 || cardNo.toString().length & 19) {
checkFlag =
errMsg = cardNo + ':银行卡位数必须是15到19位';
return cbf(errMsg)
_getBankInfoByCardNoAsync(cardNo, function (err, bin) {
cbf(err, bin);
var Bank = {};
Bank.getBankBin = getBankB
window.Bank = B
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