银行基本业务流程图.doc

romoting the construction of rule of law, but also the most basic development environment. Despite my good social order in General, but there are law-abiding consciousness, social order is not standard, regardless of faith, Twining visit visit and other outstanding problems. We want to actively promote the field of multi-level governance according to law, promote the continuous improvement of the social environment. To promote universal compliance. Actively foster the rule of law culture, carry out law publicity and education on honesty and trustworthiness, guide the masses and consciously abide by the law, failing to find method, problem-solving method, method of gradually changing the world, he is not looking for but someone unspoken rules, formed all law law, abide by the good atmosphere. To strengthen the comprehensive management of public security. Deepening peace xingan construction, strongly against violence crime, mafia and serious criminal offences, to protect the legitimate rights and interests of citizens, legal persons, carry out criminal policy of temper justice with mercy, the maximum stimulating social vitality, and earnestly safeguard social harmony and stability. To resolve social conflicts by law. To further smooth channels of reporting social conditions and public opinion, improving regulation, arbitration, as wellrelationship between Government and business. The two sessions, General Secretary of Pro, clear the word succinctly summarized the new relationship between Government and business, as pure politics, reshaping the political relationship specified in the direction. District leaders in handling political and business relations, engage in trading power for money, and finally stumbled, we a lesson, always keep in mind that Pro, clean practicing Pro, clear. Pro is to open a sincere engagement with private enterprise to help solve practical difficulties; Clear is to clarify the Division of power, exercised in accordance with, private entrepreneurs with innocent purity, not abusing power for personal gain, not to engage in trading power for money. Third, in order to maintain fairness and justice. Fairness and justice is the lifeline of the rule of law, is the best development environment. Currently, lax law enforcement and the judicial sector in our region also exist to varying degrees, law enforcement departments and individual window units power for personal gains and bribes, thick friends, relations, human cases, money cases in which seriously infringe on the legitimate rights and interests of enterprises and people. Especially some law enforcement and inspection for profit purposes, deliberately looking for corporate loopholes, found directly under the ticket does not give business improvement opportunities. We recruit a company doesnt easily, cultivating a business more difficult, never for personal gain, systematic harassment, card, last checked to check to get the enterprise collapsed. To guarantee the legitimate rights and interests. Always proceed from the overall situation of reform and development of services, fully consider the characteristics of production and management in non-public enterprises and social benefits, an accurate grasp of legal limits, protect the enthusiasm of entrepreneurs and practitioners in innovation and entrepreneurship, enhancing expectations and confidence. To promote strict enforcement. Strengthening law enforcement procedures, improve law enforcement performance evaluation, strengthening the supervision of law enforcement, exploration and practice of risk control mechanism of law enforcement to further standardize the social security, urban management, road traffic administrative law enforcement, effectively free, extensive law-enforcement and lax enforcement of law enforcement and other issues. To uphold justice. Justice is the last line of Defense to safeguard fairness and justice, to unequivocally support the courts and procuratorates independently exercise level . Judicial activities were rampant, must not be allowed to run, favors, money, must not be allowed to knowingly violate the miscarriage, violations of the legitimate rights and interests of the masses must not be allowed to abuse of power, to make forest mass can be felt in every judicial cases in equity and justice. Four to deepen grass-roots governance according to law银行基本业务流程图图21：单位结算账户开户图41：准贷记卡业务流程个人基本信息维护产生申请人客户号个人或单位担保信息维护抵押资料维护质押资料维护申请表维护（增、删、查、改）开卡、制卡、重制卡、到期换卡、挂失补卡（由市分行卡部完成）发卡到网点卡片启用（通过邮寄或公司送达）存、取、转帐、消费挂失、冻结、止付到期不换卡销卡销户图个人基本信息维护产生申请人客户号申请表维护（增、删、查、改）开户存、取、转帐、消费挂失、冻结、止付到期不换卡销卡销户42:借记卡业务流程图5.1:公司贷款发放 图5.2:公司贷款联机归还图5.3:公司贷款批量归还图5.4:单位定期存单换单及质押图5.5:公司贷款展期图5.6:公司贷款联机形态转移图5.7:公司贷款批量形态转移图5.8:公司贷款核销图5.9:收回已核销贷款图5.10:公司贷款当日差错处理图5.11:公司贷款次日及跨年差错处理 图5.12:贴现放款图5.13:贴现收回或转逾期、核销图5.14:融资申请及融资票据提出图5.15:融资入账图5.16:回购式票据融资到期处理图5.17:买断式票据融资到期处理图5.18:融资期限变更图5.19:转贴现期限变更图5.20：同业拆借放款图5.21:同业拆借还款图5.22：同业拆借展期图5.23：同业拆借形态转移图5.24:委托贷款放款图5.25：委托贷款还款图5.26：委托贷款展期图5.27:委托贷款核销图5.28:贷款划转录入图5.29：贷款划转确认图5.30：PCAS公积金贷款发放图5.31：PCAS公积金贷款柜台还款图5.32：PCAS公积金日终处理图5.33:以资抵债划转图5.34:以资抵债处置图8.1：跨中心往账业务、来账业务图8.2：网内往来往账业务、网内往来来账业务图8.3：漫游汇款业务图8.4：同城交换提出业务、同城交换提入业务图8.5：大额支付往账业务、大额支付来账业务图8.6：小额支付往账业务、小额支付来账业务图8.7：代理汇兑业务图9.1：外汇账单清算业务流程复核柜员经办柜员帐单处理复核/记帐输入/修改流程图：图9.2：进口信用证业务流程申请人（进口商）受益人（出口商）（1）（5）（12）（4） （6）（7） （2）（10） （11） 开证行（3）通知行/议付行（8）（9）1、进出口商签定销售合同，规定以跟单信用证方式结算；2、申请人（进口商）指示开证行开立跟单信用证；3、开证行开出跟单信用证，要求通知行通知受益人（出口商）；4、通知行将信用证通知受益人（出口商）；5、受益人（出口商）收到信用证，审证，发货；6、受益人（出口商）向其往来银行或信用证指定银行交单；7、交单银行审单。如果符合信用证要求，根据信用证的条件付款/承兑/议付； 8、交单银行将单据寄给开证行；9、开证行审单，如果符合信用证要求，向交单银行进行偿付；（付款、承兑）10、开证行向申请人（进口商）提示单据； 11、申请人（进口商）付款赎单；12、申请人（进口商）提货。图9.3：进口代收业务流程（1）合同 （2） 发货委托人（出口商）付款人（进口商） （3） （8） （5） （6） 交 付 提 付款/ 单 款 示 承兑 代收行 托收行（4）寄单（7）付款1、进出口商签定合同，规定以托收方式结算；2、委托人（出口商）根据合同约定装运货物，取得相关单据；3、委托人（出口商）将单据交往来银行，委托银行（托收行）代为收款；4、托收行将单据寄往代收行，委托其向付款人（进口商）收取货款；5、代收行按照托收行的指示向付款人（进口商）提示单据；6、付款人（进口商）办理付款或承兑手续，取得单据；7、代收行按照托收行指示付款或向托收行发承兑通知，到期提示进口商付款；8、托收行收妥款项并入委托人（出口商）账户。图9.4：信用证通知流程图9.5：信用证项下寄单索汇流程图9.6：跟单托收业务流程图图9.7：贸易项下汇入汇款解付流程图图9.8：企业非贸易、资本项下汇入款解付汇兑模块复核柜员输入/修改复核/记帐业务柜员图9.9：居民、非居民非贸易汇入款解付0102交易外汇子系统2666交易内核子系统业务柜员0106交易单折子系统外汇兑换菜单 图9.10：企业非贸易、资本项下售、套汇复核/记帐复核柜员输入/修改企业客户提交申请业务柜员审核资料图9.11：居民、非居民非贸易售汇企业客户提交申请业务柜员审核材料外汇子系统2664交易联行子系统新网内往来图9.12：非贸易、资本项下汇出汇款付汇企业客户提交申请汇出汇款菜单业务柜员审核材料复核柜员要素输入 汇款授权授权柜员汇款复核国际结算部门审核单据信贷部门审批有权签字人签字国际部出具提货担保保函图9.13：提货担保流程图信贷部门审批有权签字人签字会计部门办理押汇手续国际结算部门审核单据会计部门办理还押汇手续图9.14：进口押汇流程图 信贷部门审批有权签字人签字会计部门办理贷款手续国际结算部门审核单据会计部门办理还贷手续图9.15：打包放款流程图信贷部门审批有权签字人签字国际结算部门办理押汇发放手续国际结算部门审核单据结算部门办理押汇归还手续图9.16：出口押汇流程图有权签字人签字国际结算部门办理贴现发放手续国际结算部门审核单据结算部门办理贴现归还手续图9.17：出口贴现业务流程图图9.18：出口信用保险项下融资流程图信贷部门审批有权签字人签字会计部门办理贷款手续国际结算部门审核单据会计部门办理还贷手续图9.19：出口商票融资流程信贷部门审批有权签字人签字会计部门办理贷款手续国际结算部门审核单据会计部门办理还贷手续自营收汇后，国际结算部门归还福费廷款项并填制涉外收入申报单图9.20：自营福费廷业务流程国际结算部门收到开证行的承兑电文有权签字人签字国际结算部门发放自营福费廷并出具核销联如到期未收汇或未归还贷款，国际结算部门将该笔业务转换形态国际结算部门向一级分行询价通过我行收汇后，国际结算柜员进行代理收汇操作并填制涉外收入申报单图9.21：代理福费廷业务流程国际结算柜员收到包买行款项后发放代理福费廷并出具核销联国际结算部门报一级分行向包买行询价有权签字人签字直接通过包买行收汇，国际结算柜员与包买行核对国外扣费情况会计部门办理贷款手续国际结算部门审核单据会计部门办理归还手续信贷部门审批有权签字人签字图9.22：出口保理融资流程 图9.23：远期结售汇银行与客户之间的交易（1）交易日提出申请录入资料输入复核取消复核生成账务生成统计数据签约客 户BIBS开户行（2）交割日远期展期远期交割远期违约生成账务生成统计数据BIBS确认取消记账开户行图9.24：远期结售汇上下级行之间的平盘交易（1）交易日传回输入复核业务资料传送输入复核生成上级行账务生成统计数据生成下级行账务复核下级行上级行下级行（2）交割日下传远期确认远期交割生成上级行账务上级行下级行远期交割生成下级行账务图9.25：代客外汇买卖远期处理 成 交 录入 远期确认 远期交割/计账处理完毕后成交信息下传资料传送 录入 询价平盘提出申请代客平盘代客户交易 入外汇交易外汇交易下级行下级行上级行上级行客 户 户上级行开户行资金业 务资金业 务图10.1：调拨交易方式的重空调拨图10.2：直接出入库方式的重空调拨图13.1：单笔代收业务基本流程图13.2：批量代理业务基本流程保证的概念：保证人和债权人约定，当债务人不履行债务时，保证人按照约定履行债务或者承担责任的行为。保证人，有代为清偿能力的法人、其他组织或者公民，可以作为保证人。法律禁止作为保证人的情形romoting the construction of rule of law, but also the most basic development environment. Despite my good social order in General, but there are law-abiding consciousness, social order is not standard, regardless of faith, Twining visit visit and other outstanding problems. We want to actively promote the field of multi-level governance according to law, promote the continuous improvement of the social environment. To promote universal compliance. Actively foster the rule of law culture, carry out law publicity and education on honesty and trustworthiness, guide the masses and consciously abide by the law, failing to find method, problem-solving method, method of gradually changing the world, he is not looking for but someone unspoken rules, formed all law law, abide by the good atmosphere. To strengthen the comprehensive management of public security. Deepening peace xingan construction, strongly against violence crime, mafia and serious criminal offences, to protect the legitimate rights and interests of citizens, legal persons, carry out criminal policy of temper justice with mercy, the maximum stimulating social vitality, and earnestly safeguard social harmony and stability. To resolve social conflicts by law. To further smooth channels of reporting social conditions and public opinion, improving regulation, arbitration, as wellGrass-roots governance according to law is an important foundation for promoting the construction of rule of law, but also the most basic development environment. Despite my good social order in General, but there are law-abiding consciousness, social order is not standard, regardless of faith, Twining visit visit and other outstanding problems. We want to actively promote the field of multi-level governance according to law, promote the continuous improvement of the social environment. To promote universal compliance. Actively foster the rule of law culture, carry out law publicity and education on honesty and trustworthiness, guide the masses and consciously abide by the law, failing to find method, problem-solving method, method of gradually changing the world, he is not looking for but someone unspoken rules, formed all law law, abide by the good atmosphere. To strengthen the comprehensive management of public security. Deepening peace xingan construction, strongly against violence crime, mafia and serious criminal offences, to protect the legitimate rights and interests of citizens, legal persons, carry out criminal policy of temper justice with mercy, the maximum stimulating social vitality, and earnestly safeguard social harmony and stability. To resolve social conflicts by law. To further smooth channels of reporting social conditions and public opinion, improving regulation, arbitration, as well as dispute resolution mechanisms, implement fully the petitioners cases third-party hearings and supervising system of letters and calls, and to resolve the involved law lawsuit into the orbit of rule of law, vexatious, Twining visit visit, disturbing social order and other malicious extortion, resolutely crack down. Five, improving cadres Vitale, provide strong protection for forest development XI General Secretary stressed that the comprehensive revitalizati