單客戶多銀行第方三存管業(yè)務(wù)介紹

1、單客戶多銀行第三方存管業(yè)務(wù)介紹Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.1第三方的概念“第三方存管”是指證券公司客戶證券交易結(jié)算資金交由銀行存管，由存管銀行按照法律、法規(guī)的要求，負(fù)責(zé)客戶資金的存取與資金交收，而證券交易操作則由券商負(fù)責(zé)

2、。 簡(jiǎn)單理解為“券商管證券，銀行管資金”的原則，將投資者的證券賬戶與證券保證金賬戶嚴(yán)格進(jìn)行分離管理。 Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.2什么是單客戶多銀行第三方存管?在客戶交易結(jié)算資金第三方存管制度下，同一客戶可開立多個(gè)資金

3、賬戶，每個(gè)資金賬戶分別建立對(duì)應(yīng)銀行的三方存管關(guān)系，并由客戶確定其中一個(gè)資金賬戶作為主資金賬戶用于證券交易賬戶，其余資金賬戶作為輔助資金賬戶用于資金劃轉(zhuǎn)，實(shí)現(xiàn)同一客戶使用存管于多家銀行的資金進(jìn)行證券投資的服務(wù)模式。Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspos

4、e Pty Ltd.3多銀行第三方與單銀行第三方的區(qū)別傳統(tǒng)客戶單銀行存管模式下，客戶只能選擇一家銀行作為其交易結(jié)算資金的存管銀行，若想更換存管模式，需要在證券公司及銀行端完成存管銀行的變更手續(xù)。單客戶多銀行服務(wù)模式，客戶可以同時(shí)選擇多家銀行作為其交易結(jié)算資金的存管銀行，不同存管銀行對(duì)應(yīng)不同資金賬戶，主資金賬戶與輔助資金賬戶間可進(jìn)行資金劃轉(zhuǎn)，實(shí)現(xiàn)客戶使用多家銀行資金進(jìn)行證券投資的目的。Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evalu

5、ation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.4多三方模式介紹Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose

6、 Pty Ltd.5一個(gè)客戶最多可以開立五個(gè)資金帳戶.其中主帳一個(gè).輔助帳戶四個(gè)Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.6單客戶多銀行服務(wù)的基本要點(diǎn)1)客戶在主資金賬戶下可以下掛多個(gè)輔助資金賬戶(最多五個(gè))2)只有主資金帳戶的資金可

7、用于證券交易3)主.輔資金帳戶之間可進(jìn)行資金劃轉(zhuǎn).輔與 輔之間不能進(jìn)行資金劃轉(zhuǎn).4)轉(zhuǎn)入主資金帳戶的資金當(dāng)日即可用于證券 交易,主輔資金帳戶間劃轉(zhuǎn)的資金T+1方可 轉(zhuǎn)出. 5)主輔之間轉(zhuǎn)帳免費(fèi)用,且金額不限,但如果客戶連續(xù)5次進(jìn)行主、輔資金賬戶間資金劃轉(zhuǎn)且在同一期間無任何證券交易行為證券公司將對(duì)客戶進(jìn)行警示或者限制主、輔資金賬戶間的資金劃轉(zhuǎn)功能。Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created

8、with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.7單客戶多三方優(yōu)勢(shì)何在?1)方便投資者的交易結(jié)算資金在多個(gè)存管銀行之間進(jìn)行調(diào)撥2)可以提高客戶閑置資金的投資利用率3)多三方業(yè)務(wù)可實(shí)現(xiàn)同城跨行、異地跨行的資金劃轉(zhuǎn)。提高第三方存管中銀行服務(wù)方式的便利性。Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Cre

9、ated with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.8模擬一:張先生今年40歲,一企業(yè)家.在中投證券投資股票1000萬(wàn).以單銀行類型用建設(shè)銀行作為第三方資金帳戶.同時(shí)客戶在中國(guó)銀行投資基金500萬(wàn).且工商銀行做為名下企業(yè)貨款的支出及收入.經(jīng)常需要周轉(zhuǎn)資金.客戶股票操作頻率,經(jīng)常有閑置資金就投入股市.但因?yàn)樗菃毋y行三方所以每每都要提前到各銀行辦手續(xù)且要付手續(xù)費(fèi).相當(dāng)不便麻煩!Evaluation only.Created with Aspose.Slides for .NET 3.

10、5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.9掌聲有請(qǐng)倆位伙伴演練Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.S

11、lides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.10模擬二甜甜是一位年青時(shí)尚的白領(lǐng).掏寶用的是招商銀行.投資黃金白銀用的是興業(yè)銀行.而她的工資卡用的是工商銀行,聽同事說最近股市挺好,所以想開戶投資股票.但是甜甜不想用她原有的銀卡做為三方帳戶.希望新開一個(gè)卡專用于股票.同時(shí)又希望能有途徑幫她更方便的去周轉(zhuǎn)資金?Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Ev

12、aluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.11掌聲有請(qǐng)倆位伙伴演練Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011

13、 Aspose Pty Ltd.12業(yè)務(wù)辦理要求1)投資者教育:提示非交易目的轉(zhuǎn)帳將會(huì)被限制多銀行服務(wù).2)協(xié)議簽署:營(yíng)業(yè)部與客戶簽訂多銀行服務(wù)協(xié)議后客戶在銀行受理三方時(shí)間段到銀行辦理三方確認(rèn)3)開戶:客戶本人臨柜臺(tái)辦理,新開戶以第一個(gè)資金帳戶為主資金帳戶,繼續(xù)增加的帳戶為輔帳戶.4)存量客戶:原資金帳戶默認(rèn)為主帳戶.繼續(xù)增加的帳戶為輔帳戶.5)客戶辦理:正常工作時(shí)間帶身份證,股東卡,銀行卡到公司辦理.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty

14、 Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.13創(chuàng)業(yè)板創(chuàng)業(yè)板Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2

15、011 Aspose Pty Ltd.14創(chuàng)業(yè)板創(chuàng)業(yè)板又稱二板市場(chǎng)，即第二股票交易市場(chǎng)。在中國(guó)，主板指的是滬、深股票市場(chǎng)。創(chuàng)業(yè)板是指專為暫時(shí)無法在主板上市的中小企業(yè)和新興公司提供融資途徑和成長(zhǎng)空間的證券交易市場(chǎng)，是對(duì)主板市場(chǎng)的重要補(bǔ)充，在資本市場(chǎng)有著重要的位置。 Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro

16、.Copyright 2004-2011 Aspose Pty Ltd.15創(chuàng)業(yè)板客戶到證券公司營(yíng)業(yè)場(chǎng)所現(xiàn)場(chǎng)提出開通創(chuàng)業(yè)板市場(chǎng)交易的申請(qǐng).新開證券帳戶客戶按正常辦理流程辦理存量客戶帶身份證及深圳證券帳戶到證券公司營(yíng)業(yè)場(chǎng)所辦理2年證券投資經(jīng)驗(yàn)以下客戶簽署2年以下的協(xié)議.2年證券投資經(jīng)驗(yàn)以上客戶簽署2年以上的協(xié)議.Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides

17、 for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.16注意事項(xiàng)：對(duì)于交易經(jīng)驗(yàn)不足2年，創(chuàng)業(yè)板市場(chǎng)投資者風(fēng)險(xiǎn)評(píng)估結(jié)果為穩(wěn)健型或保守型的客戶，原則上不予開通創(chuàng)業(yè)板交易權(quán)限，對(duì)經(jīng)過勸導(dǎo)和風(fēng)險(xiǎn)教育，客戶仍堅(jiān)持要求開通的，營(yíng)業(yè)部須對(duì)客戶申請(qǐng)及勸導(dǎo)工作做詳細(xì)留痕備查。Evaluation only.Created with Aspose.Slides for .NET 3.5 Client Pro.Copyright 2004-2011 Aspose Pty Ltd.Evaluation only.Created with Aspose.Slides for