【中文版】

开户行是指办理开户手续的银行营业网点。通俗地说，开户行就是指客户在银行开立账户的银行营业网点。在开立账户时，客户需要提供一些基本资料，包括身份证明、工作证明、收入证明等，以便银行能够了解客户的身份和财务状况，确保客户的账户安全。

开户行的作用主要是为客户提供账户开立、存款、取款、转账、查询等基本的银行服务。同时，开户行也是客户与银行之间进行资金往来和业务联系的重要渠道。客户可以通过开户行与其他银行或金融机构进行资金结算和交易，也可以通过开户行进行贷款、投资等金融业务的申请和处理。

在日常生活中，我们可以通过拨打银行客服电话、登录网上银行、前往银行营业网点等方式查询自己的开户行信息。如果需要开户或变更账户信息等，也需要前往开户行进行办理。因此，了解开户行的相关信息和服务范围，对于客户来说是非常重要的。

【英文版】

Opening bank refers to the bank where customers open accounts. In other words, it is the bank where customers go to open accounts and provide basic information such as identity, work, income and other proof materials to ensure the security of their accounts.

The main function of the opening bank is to provide basic banking services such as account opening, deposit, withdrawal, transfer, query, etc. At the same time, the opening bank is also an important channel for customers to conduct financial transactions and contact with the bank. Customers can conduct fund settlement and transactions with other banks or financial institutions through the opening bank, and also apply and handle loan, investment and other financial business through the opening bank.

We can query our opening bank information through calling bank customer service, logging in online banking, going to bank branches and other ways in daily life. If you need to open accounts or change account information, you also need to go to the opening bank for handling. Therefore, it is very important for customers to understand the information and service scope of the opening bank.