會計業(yè)務(wù)操作規(guī)范化手冊

會計業(yè)務(wù)操作規(guī)范化手冊

第一篇存款業(yè)務(wù)

一、客戶信息…..…-....................-..................16

1.2修改客戶信息（賅戶信息變更）...........18

1.3BH除客戶信息........................................................................................................19

二、個人存款業(yè)務(wù)...........................................................................................................20

2.1個人存款開戶........................................................................................................20

2.2續(xù)存（包含存折、T?收借記卡）.........22

2.3取款（包含存折、豐收借記卡》.........1..................23

2.4轉(zhuǎn)賬（包含卡卡、卡折、折折轉(zhuǎn)賬）....................................................................................24

2.5銷戶/部份支取.......................................................................................................25

2.6活期儲希版戶轉(zhuǎn)個人結(jié)算戶............................................................................................26

三'借記卡業(yè)務(wù).............................................................................................................27

3?1?1I1干S*27

3.1.2豐收卡單卡申我......................................................................................................28

3.2.續(xù)存...............................................................................................................28

3.3.取款........................28

3.4鈉戶（的折卡銷戶與無折卡梢戶）.........................................................28

四、單位存款業(yè)務(wù)...........................................................................................................29

4.1單位活期存款.........................29

4.1.1單位活期存款開戶..............................................................................29

4.1.2單位活期存款賬戶啟用.....................................................................................................31

-1.1.3單位活期賬戶精戶.....................................................................................31

4.1.4單位驗資、增資戶開戶.....................................................................................................33

，1.L5單位驗資.增資戶轉(zhuǎn)正常戶......................................................................................34

4J,6小位驗資、增資戶退債.....................................................................................................M

42單位定期存款.................................................................................................................35

4.2.I單位定期存款開戶.............................35

4.2.2單位定期存款部分提早支取/銷戶..........................................................................................36

4.3單位物定存款.............................37

4.3.1單位協(xié)定存款開戶........................................................................................................37

4.3.2觸位出定存款銷戶........................................................................................................38

4.4保證金存款.................................38

4.4.1活期保if金存款開戶/存款.................................................................................................38

4M.2活用保證金強存...........................................................................................................39

4.4.3活期保證金支取/箱戶.................................................................................................39

4.4.4定期保證金開戶........................................................................................................40

-1.5定期保證金部分提早支取/銷戶............................................................................................40

4.5單但通知存款...........................41

4,5.1◎位通知存款開戶........................................................................................................41

■I.5.2單位通知存款部提/精戶...................................................................................................42

4.6單位現(xiàn)金業(yè)務(wù)...............................................................................................................43

4.6.I林仲現(xiàn)金存款............................................................................................................43

4.6.2單位現(xiàn)金取款............................................................................................................43

47單位通存通兌.................................................................................................................44

4.7.1通位活期存軟賺戶通兌申請/取消.........................................................................................44

■1.7.2單位活期存款賬戶通存.....................................................................................................45

4.7.3單位活期存放賬戶通兌............................................................................................45

■I.7.4單位活期存軟賬戶通存通兌差錯處理..................................................................................46

五、存款其他業(yè)務(wù)...........................................................................................................47

5.I存款運明............................................................................................................47

5.1存款證明開立/補打，撤梢............................................................................................47

E.2個人存款特殊業(yè)務(wù)......................................................................................................48

5.2.1口頭掛失/解拄.......................48

5.2.2書面掛失...........................49

5.2.3解掛/掛失補開/掛失悄戶...............49

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

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

5.2.7改密寫被....................................................................................................................................................................................................51

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

5.2.9賬戶業(yè)務(wù)即時通業(yè)務(wù)..............................................................................................52

5.3單位存款特殊業(yè)務(wù).....................................................................................................53

5.3.1正常轉(zhuǎn)不動戶......................................................................................................53

5.3.2不動戶特營業(yè)外收入................................................................................................53

5.3.3不動戶懦戶........................................................................................................54

5.3.4不動戶查詢........................................................................................................55

5.3.5換開單位定期存單................................................................................55

5.3,6校問隼位定期存單...........................56

5.3,7調(diào)整賬戶枳數(shù).......................................................................56

5.3.8紙位定期存款開戶證實書掛失......................................................................................56

5.3.9總位定期開戶證實書拄失補發(fā)、解掛、報稅拄失......................................................................57

5.3.10賬戶侑i&保護(hù).....................................................................................................57

5.4司法及有權(quán)機(jī)關(guān)的笠詢、凍結(jié)、扣劃....................................................................................57

5.4.1司法直詢業(yè)務(wù).........................57

5.4.2眠戶凍結(jié).......................58

5.4.3賬戶解班.......................................................................................................59

5.4.4扣劃...........................................................................................................60

第二篇貸款業(yè)務(wù)

一、普通貸款...............................................................................................................61

1.1信用貸款發(fā)放.......................................................................................................61

1.2保證優(yōu)款發(fā)放.......................................................................................................62

1.3抵質(zhì)押貸散發(fā)放......................................................................................................63

1.4貸款展期.............................................................................64

1.5單但貸款歸還業(yè)務(wù)..............................................................................65

1.6按樹賃秋...........................................................................................................65

1.6.I按期貸款發(fā)放...................................................................................................66

1.6.2按期貸款還款...................................................................................................66

1.7貼現(xiàn)業(yè)務(wù)...............................68

二、貸款特殊業(yè)務(wù)處理......................................................................................................68

2.I抵債資產(chǎn)................................68

2.1.1抵債資產(chǎn)抵入......................................................................................................68

2.1.2抵債資產(chǎn)處置....................................................................................................70

2.1.3抵債資產(chǎn)接用.........71

2.2貸款形態(tài)調(diào)整........................................................................................................71

2.3呆賬核銷...........................................................................................................72

2.4貸款信息保護(hù)（通知行業(yè)務(wù)）...........................................................................................73

三、委托貸款業(yè)務(wù)...........................................................................................................75

4.2鍬團(tuán)貸款的歸還.....X2

五、資產(chǎn)業(yè)務(wù)新產(chǎn)品………s?\

5.1信貸優(yōu)產(chǎn)買斷受讓.

5.4信貸資產(chǎn)回購出讓.86

六、國內(nèi)保函業(yè)務(wù)87

-3㈤內(nèi)保內(nèi)中的償付與集付款.........89

七、跟行承兌匯票（見支付結(jié)算篇》89

第三篇支付結(jié)算業(yè)務(wù)

1.1受理本行客戶停發(fā)的技賬支票業(yè)務(wù)

1.2受現(xiàn)他行轉(zhuǎn)贖支票業(yè)務(wù).

2.1簽發(fā)俁行本票.

G

根行本票的解付.....

2.3%

2.4銀行本票未用退回

三、識行匯票...........................95

3.1簽發(fā)鍬行匯票...............................95

12銀行匯票付款...............................97

3.3銀行匯票的解付...............................................................................................................99

3.4銀行匯票未用退回/超期付款..................100

四、浪行承兌匯票.................................................................................................................101

4.1銀行承兌匯票承兌..........................................................................................................101

4.2銀行承兌匯票的付款.....................................................................................103

4.2.1銀行承兌匯票到期支村款項處理.........................................................................................103

4.2.2級行承兌匯票一持票人開戶根行受理匯票的處理..........................................104

■?.2.3銀行承兌匯票一收到根行承兌的付款處理..................................................................................105

43銀行承兌匯票未用處理.....................................................................................106

4,1銀行承兌匯票的特殊處理......................................................................................................106

五、票據(jù)特殊業(yè)務(wù)..................................................................................................................106

S.I票據(jù)掛失止付...............................................................................................................106

5.2票據(jù)拄失退款或者付款....................................................................................108

5.3擻銷票據(jù)掛失止付..........................................................................................................109

六、仁兌.....................................................................................................109

€.1電子匯劃往賬：大額支付、小額支忖與農(nóng)信銀（全國特妁匯兌》.................................................................109

€.2電子匯劃來賬：大瓶來賬業(yè)務(wù)、小額來賬業(yè)務(wù)、農(nóng)俏銀（全國特約匯兌）業(yè)務(wù)....................................................110

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

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

1.2發(fā)出委托收款...............................................................................................................112

7.3收刎就攸軟軟項..........................................................................................................113

7.4收到付款人無款支付處理...................................................................................................113

7.5收到拒絕付款處理..........................................................................................................114

7.6收刎委托收款憑證..........................................................................114

7.7支付委托收軟軟項..........................................................................................................115

7.8客戶拒絕付款.............................116

八、憑證出售與業(yè)務(wù)收費.........................116

81憑UE出偉................................................................................................................116

€.2憑證注銷...................................................................................................................116

83收費業(yè)務(wù)................................................................................................................117

九、結(jié)算查詢查復(fù)業(yè)務(wù).............................................................................................................118

9.1—詢查復(fù)業(yè)務(wù).......................1.............................................118

9.1.I發(fā)出過詢..............................................................................................................118

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

S2根行承兌工器杳詢點復(fù)........................................................................................................）19

9.2.I發(fā)出銀行承兌匯票代詢.............................119

9.2.2收到銀行承兌工票查詢.................................................................................................120

9.2.3自由格式報文..........................................................................................................120

9.2.4客戶普通的柜而查詢..........121

S3方權(quán)部門的查詢（見第T5.4存款的支加、而結(jié)、扣劃）....................................................................121

十、司城票據(jù)清柒..................................................................................................................121

10.1同城交換提出伊方.........................................................................................................121

10.2同城交換提出貸方.........................................................................................................124

10.3向城交換提入借方.........................127

10.4同城交換提入貸方...........................128

10.5收唉抵用批R入聯(lián).........................................................................................................129

10.6H常本項.................................................................................................................130

10.7票據(jù)的交換...............................................................................................................130

第四篇中間業(yè)務(wù)

一、代理業(yè)務(wù)...............................................................................................................131

1.1代發(fā)工資...........................................................................................................131

1.2.代理保險..........................................................................................................133

二、代收費業(yè)務(wù)...........................................134

2.1代收電話費...............................154

2.1.1電信委托關(guān)系管理.........134

2.1.2電信單佬繳費...................................................................................................135

2.1.3電信單第徽費掖銷及恪賬處理.......................................................135

2.1.4連連視技繳費....................................................................................................135

2.2代收電費..............................................................................................136

2.2.1一次性電鉗杳詢瞰納..........................136

2,2.2代扣電熨保護(hù)及眼納.............................................................................................136

2.3.一戶通業(yè)務(wù)..........................................................................................................137

2.4代理養(yǎng)老保冷.........................................................................................................137

2.5代收交通罰沒款.......................................................................................................138

2.6代收養(yǎng)路費...............................139

2.7代收財政預(yù)算外.......................................................................................................139

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

3.I興業(yè)限行個人結(jié)算賬戶.................................................................................................141

3.1.1興業(yè)板行個人結(jié)算賬戶開立.........................................................................................141

3.1.2客戶開戶怡自查詢.................................................................................................141

3.2我行的結(jié)算賬戶與興業(yè)銀行結(jié)算賬戶時應(yīng)關(guān)系.............................................................................141

3.2.1建立對應(yīng)關(guān)系...........................142

3.2.2修改對應(yīng)關(guān)系.....................................................................................................142

3.3.1客戶揚的關(guān)系確認(rèn).................................................................................................143

3.3.3客戶證券資金戚戶萱詢...........144

3.4柜員流水簧詢.........................................................................................................144

3.5跨行轉(zhuǎn)賬.............................................................................................................144

3.5.1銀行發(fā)城行轉(zhuǎn)修一資金轉(zhuǎn)山......................................................................................144

3.5.2銀行發(fā)0行轉(zhuǎn)賬一資金轉(zhuǎn)入.....................................................................................145

3.6資料交接滔用...........................1