Bank-securities transfer is a business launched by ICBC for facilitating the clients to trade securities and foreign exchange whereby ICBC accepts an investor's trust order, uses its own electronic transfer system, automatically transfer funds inwards or outwards¹. It mainly includes counter transfer and telephone banking² self-help transfer these two modes.　　　　
　　（1） Counter transfer is a service whereby a client completes a trust order, and the bank's teller³ helps the client transfer the funds of traded securities or foreign exchange inwards or outwards through the networked terminal to facilitate the client trade securities or foreign exchange.
　　（2） Telephone banking self-help transfer is a service function whereby a client establishes an account transfer relation with the bank at the telephone banking self-help system and transfers the funds of relevant securities or foreign exchange through the telephone banking self-help system.

　　银证转账业务是工商银行为了方便客户买卖证券和外汇，接受投资者的委托，利用本身先进的电子自动转账系统，自动相互转入或转出资金。主要有柜台转账和电话银行自助转账两种方式。
　　（1）柜台转账是客户填写转账委托书，由银行柜台工作人员通过电脑联网终端，帮助客户进行买卖证券或外汇的资金转出转入，以方便客户买卖证券或外汇的服务。
　　（2）电话银行自助转账是客户委托银行，通过在电话银行自助系统建立账户转账关系，由客户通过电话银行自助系统进行有关的证券或外汇买卖转账的一种服务功能。