什么是12位银联号？

中文版

在日常生活中，我们经常会听到“银联号”这个词，尤其是在进行银行转账或支付时。银联号，又称为银行联行号，是一个独特的标识符，用于标识银行在银联系统中的身份。对于国内的银行，银联号通常由12位数字组成，这12位数字蕴含着银行的多种信息。

银联号的前3位数字代表银行的代码，这是由中国人民银行统一分配的。接下来的4位数字代表了银行的地区代码，这反映了银行在国家或地区中的位置。接下来的3位数字是银行的机构代码，用于区分银行内部的各个分支机构。最后2位数字是校验码，用于验证银联号的准确性。

知道银联号对于跨行转账和支付非常重要，因为它可以确保资金能够准确地到达目标账户。同时，银联号也是防范金融诈骗和洗钱活动的重要工具，因为它可以帮助追踪资金的流向。

英文版

What is a 12-Digit UnionPay Number?

In our daily lives, we often encounter the term "UnionPay number," especially when it comes to bank transfers or payments. Also known as the Bank UnionPay Number, it is a unique identifier used to represent a bank's identity within the UnionPay system. For domestic banks in China, the UnionPay number typically consists of 12 digits, each carrying specific information about the bank.

The first three digits of the UnionPay number represent the bank code, which is uniformly assigned by the People's Bank of China. The next four digits denote the regional code of the bank, reflecting its location within the country or region. The following three digits are the institutional code of the bank, distinguishing various branches within the bank. The last two digits serve as a check code, verifying the accuracy of the UnionPay number.

Knowing the UnionPay number is crucial for interbank transfers and payments as it ensures that funds reach the intended account accurately. Additionally, it serves as an essential tool in preventing financial fraud and money laundering activities by enabling the tracing of fund flows.