会计业务操作规范化手册

会计业务操作规范化手册

第一篇存款业务

一、客户信息…..…-....................-..................16

1.2修改客户信息（赅户信息变更）...........18

1.3BH除客户信息........................................................................................................19

二、个人存款业务...........................................................................................................20

2.1个人存款开户........................................................................................................20

2.2续存（包含存折、T•收借记卡）.........22

2.3取款（包含存折、丰收借记卡》.........1..................23

2.4转账（包含卡卡、卡折、折折转账）....................................................................................24

2.5销户/部份支取.......................................................................................................25

2.6活期储希版户转个人结算户............................................................................................26

三'借记卡业务.............................................................................................................27

3«1•1I1干S*27

3.1.2丰收卡单卡申我......................................................................................................28

3.2.续存...............................................................................................................28

3.3.取款........................28

3.4钠户（的折卡销户与无折卡梢户）.........................................................28

四、单位存款业务...........................................................................................................29

4.1单位活期存款.........................29

4.1.1单位活期存款开户..............................................................................29

4.1.2单位活期存款账户启用.....................................................................................................31

-1.1.3单位活期账户精户.....................................................................................31

4.1.4单位验资、增资户开户.....................................................................................................33

，1.L5单位验资.增资户转正常户......................................................................................34

4J,6小位验资、增资户退债.....................................................................................................M

42单位定期存款.................................................................................................................35

4.2.I单位定期存款开户.............................35

4.2.2单位定期存款部分提早支取/销户..........................................................................................36

4.3单位物定存款.............................37

4.3.1单位协定存款开户........................................................................................................37

4.3.2触位出定存款销户........................................................................................................38

4.4保证金存款.................................38

4.4.1活期保if金存款开户/存款.................................................................................................38

4M.2活用保证金强存...........................................................................................................39

4.4.3活期保证金支取/箱户.................................................................................................39

4.4.4定期保证金开户........................................................................................................40

-1.5定期保证金部分提早支取/销户............................................................................................40

4.5单但通知存款...........................41

4,5.1◎位通知存款开户........................................................................................................41

■I.5.2单位通知存款部提/精户...................................................................................................42

4.6单位现金业务...............................................................................................................43

4.6.I林仲现金存款............................................................................................................43

4.6.2单位现金取款............................................................................................................43

47单位通存通兑.................................................................................................................44

4.7.1通位活期存软赚户通兑申请/取消.........................................................................................44

■1.7.2单位活期存款账户通存.....................................................................................................45

4.7.3单位活期存放账户通兑............................................................................................45

■I.7.4单位活期存软账户通存通兑差错处理..................................................................................46

五、存款其他业务...........................................................................................................47

5.I存款运明............................................................................................................47

5.1存款证明开立/补打，撤梢............................................................................................47

E.2个人存款特殊业务......................................................................................................48

5.2.1口头挂失/解拄.......................48

5.2.2书面挂失...........................49

5.2.3解挂/挂失补开/挂失悄户...............49

5.2.4止付.............................................................................................................50

5.2.5解付.............................................................................................................51

5.2.7改密写被....................................................................................................................................................................................................51

5.2.8支付方式修改.....................................................................................................52

5.2.9账户业务即时通业务..............................................................................................52

5.3单位存款特殊业务.....................................................................................................53

5.3.1正常转不动户......................................................................................................53

5.3.2不动户特营业外收入................................................................................................53

5.3.3不动户懦户........................................................................................................54

5.3.4不动户查询........................................................................................................55

5.3.5换开单位定期存单................................................................................55

5.3,6校问隼位定期存单...........................56

5.3,7调整账户枳数.......................................................................56

5.3.8纸位定期存款开户证实书挂失......................................................................................56

5.3.9总位定期开户证实书拄失补发、解挂、报税拄失......................................................................57

5.3.10账户侑i&保护.....................................................................................................57

5.4司法及有权机关的笠询、冻结、扣划....................................................................................57

5.4.1司法直询业务.........................57

5.4.2眠户冻结.......................58

5.4.3账户解班.......................................................................................................59

5.4.4扣划...........................................................................................................60

第二篇贷款业务

一、普通贷款...............................................................................................................61

1.1信用贷款发放.......................................................................................................61

1.2保证优款发放.......................................................................................................62

1.3抵质押贷散发放......................................................................................................63

1.4贷款展期.............................................................................64

1.5单但贷款归还业务..............................................................................65

1.6按树赁秋...........................................................................................................65

1.6.I按期贷款发放...................................................................................................66

1.6.2按期贷款还款...................................................................................................66

1.7贴现业务...............................68

二、贷款特殊业务处理......................................................................................................68

2.I抵债资产................................68

2.1.1抵债资产抵入......................................................................................................68

2.1.2抵债资产处置....................................................................................................70

2.1.3抵债资产接用.........71

2.2贷款形态调整........................................................................................................71

2.3呆账核销...........................................................................................................72

2.4贷款信息保护（通知行业务）...........................................................................................73

三、委托贷款业务...........................................................................................................75

4.2锹团贷款的归还.....X2

五、资产业务新产品………s?\

5.1信贷优产买断受让.

5.4信贷资产回购出让.86

六、国内保函业务87

-3㈤内保内中的偿付与集付款.........89

七、跟行承兑汇票（见支付结算篇》89

第三篇支付结算业务

1.1受理本行客户停发的技账支票业务

1.2受现他行转赎支票业务.

2.1签发俣行本票.

G

根行本票的解付.....

2.3%

2.4银行本票未用退回

三、识行汇票...........................95

3.1签发锹行汇票...............................95

12银行汇票付款...............................97

3.3银行汇票的解付...............................................................................................................99

3.4银行汇票未用退回/超期付款..................100

四、浪行承兑汇票.................................................................................................................101

4.1银行承兑汇票承兑..........................................................................................................101

4.2银行承兑汇票的付款.....................................................................................103

4.2.1银行承兑汇票到期支村款项处理.........................................................................................103

4.2.2级行承兑汇票一持票人开户根行受理汇票的处理..........................................104

■«.2.3银行承兑汇票一收到根行承兑的付款处理..................................................................................105

43银行承兑汇票未用处理.....................................................................................106

4,1银行承兑汇票的特殊处理......................................................................................................106

五、票据特殊业务..................................................................................................................106

S.I票据挂失止付...............................................................................................................106

5.2票据拄失退款或者付款....................................................................................108

5.3擞销票据挂失止付..........................................................................................................109

六、仁兑.....................................................................................................109

€.1电子汇划往账：大额支付、小额支忖与农信银（全国特妁汇兑》.................................................................109

€.2电子汇划来账：大瓶来账业务、小额来账业务、农俏银（全国特约汇兑）业务....................................................110

七、委托收款.......................................................................................................................Ill

7.1委托收款受理.........................................................................................................Ill

1.2发出委托收款...............................................................................................................112

7.3收刎就攸软软项..........................................................................................................113

7.4收到付款人无款支付处理...................................................................................................113

7.5收到拒绝付款处理..........................................................................................................114

7.6收刎委托收款凭证..........................................................................114

7.7支付委托收软软项..........................................................................................................115

7.8客户拒绝付款.............................116

八、凭证出售与业务收费.........................116

81凭UE出伟................................................................................................................116

€.2凭证注销...................................................................................................................116

83收费业务................................................................................................................117

九、结算查询查复业务.............................................................................................................118

9.1—询查复业务.......................1.............................................118

9.1.I发出过询..............................................................................................................118

9.1.2收到杳血..............................................................................................................119

S2根行承兑工器杳询点复........................................................................................................）19

9.2.I发出银行承兑汇票代询.............................119

9.2.2收到银行承兑工票查询.................................................................................................120

9.2.3自由格式报文..........................................................................................................120

9.2.4客户普通的柜而查询..........121

S3方权部门的查询（见第T5.4存款的支加、而结、扣划）....................................................................121

十、司城票据清柒..................................................................................................................121

10.1同城交换提出伊方.........................................................................................................121

10.2同城交换提出贷方.........................................................................................................124

10.3向城交换提入借方.........................127

10.4同城交换提入贷方...........................128

10.5收唉抵用批R入联.........................................................................................................129

10.6H常本项.................................................................................................................130

10.7票据的交换...............................................................................................................130

第四篇中间业务

一、代理业务...............................................................................................................131

1.1代发工资...........................................................................................................131

1.2.代理保险..........................................................................................................133

二、代收费业务...........................................134

2.1代收电话费...............................154

2.1.1电信委托关系管理.........134

2.1.2电信单佬缴费...................................................................................................135

2.1.3电信单第徽费掖销及恪账处理.......................................................135

2.1.4连连视技缴费....................................................................................................135

2.2代收电费..............................................................................................136

2.2.1一次性电钳杳询瞰纳..........................136

2,2.2代扣电熨保护及眼纳.............................................................................................136

2.3.一户通业务..........................................................................................................137

2.4代理养老保冷.........................................................................................................137

2.5代收交通罚没款.......................................................................................................138

2.6代收养路费...............................139

2.7代收财政预算外.......................................................................................................139

三、司接第三方存款........................................................................................................140

3.I兴业限行个人结算账户.................................................................................................141

3.1.1兴业板行个人结算账户开立.........................................................................................141

3.1.2客户开户怡自查询.................................................................................................141

3.2我行的结算账户与兴业银行结算账户时应关系.............................................................................141

3.2.1建立对应关系...........................142

3.2.2修改对应关系.....................................................................................................142

3.3.1客户扬的关系确认.................................................................................................143

3.3.3客户证券资金戚户萱询...........144

3.4柜员流水簧询.........................................................................................................144

3.5跨行转账.............................................................................................................144

3.5.1银行发城行转修一资金转山......................................................................................144

3.5.2银行发0行转账一资金转入.....................................................................................145

3.6资料交接滔用...........................1