银行结算帐户管理办法

银行结算帐户管理办法交通银行办公室文件交银办…2005?56号转发中国人民银行《人民币银行结算账户管理办法实施细则》和《人民币银行结算账户管理系统业务处理办法》(试行)的通知各省分行、直属分行:现将《人民币银行结算账户管理办法实施细则》,银发…2005?16号,,以下简称《实施细则》,和《人民币银行结算账户管理系统业务处理办法,试行,》,银办发…2005?13号,转发给你们～并将有关事项通知如下～请遵照执行。

一、为核实开户申请人提交资料的真实性～各行开户机构受理开户申请人提交的开户资料后～应指定对外营销人员最迟在2个工作日内～分别按开户申请人提交的《开立单位银行结算账户poverty. In the area of poverty alleviation, to rely on e-commerce business park, active docking Alibaba group "rural treasure", "the stars plan" and "featured the Museum" project to accelerate the implementation of electronic commerce "hundred thousand rural village" project, free train operation staff, offering online support help for poor families, the provision of micro-credit support, helping them to use e-commerce platform to escape poverty. In poverty reduction, give a man a fish and feed him for a day, to targeted skills training and entrepreneurship training free of charge for the poor, increase employment, entrepreneurial skills, ensure the transfer of training people, poverty. In terms of student poverty, high school,vocational college students ' stipends and other costs, can be through the "one card", such as direct subsidies to households. In terms of financial poverty, in order to further increase the size of loans, expands the scope of delivery, developing industry, Enterprise provides protection for the poor. In respect of transport poverty alleviation, to solve the bottleneck in poor villages, development of transport, vigorously promoting the construction of rural roads and ordinary roads. PV poverty reduction, to support conditions of poor villages and photovoltaic system of centralized, poor construction projects, poor 申请书》中填写的地址、电话进行实地核对。

为便于联系和管理～各行必须要求开户申请人留存单位财务负责人和财会经办人员办公场所的固定电话和个人移动电话。

对上述事项核实不符的～不得将开户申请人提交的开户资料报送当地人行或办理开户手续～应将开户申请人提交的开户资料作退回处理。

二、对存款人申请变更账户信息的～最迟应在接到变更申请的2个工作日内～按上述要求完成对变更后的有关资料、信息的实地核对确认工作。

核对发现开户申请人提交的书面资料不齐或与实际情况不符的～应通知有关单位在7个工作日内补齐真实资料～逾期未完成变更手续的～不得为该账户办理对外支付业务。

三、上门核实人员核对情况无误后,在《开立单位银行结算账户申请书》或《变更银行结算账户申请书》的开户银行上门核实情况栏签章。

会计部门账户管理员必须凭上门核实人员的签章方可签署意见。

上门核实人员对核实情况的真实性负责。

四、各行必须对2003年9月1日《人民币银行结算账户管理办法》实施后～新开立的所有单位银行结算账户和以字号或个人名称开立的个体工商户银行结算账户,已销户的除外,～指定专人按上述要求逐户逐项补办实地核对确认工作～并检查是否与存款人签订了《单位银行结算账户管理协议》。

如未签订协议～立即通知存款人补签协议。

,poverty. In the area of poverty alleviation, to rely on e-commerce business park, active docking Alibaba group "rural treasure"2, , "the stars plan" and "featured the Museum" project to accelerate the implementation of electronic commerce "hundred thousand rural village" project, free train operation staff, offering online support help for poor families, the provision of micro-credit support, helping them to use e-commerce platform to escape poverty. In poverty reduction, give a man a fish and feed him for a day, to targeted skills training and entrepreneurship training free of charge for the poor, increase employment, entrepreneurial skills, ensure the transfer of training people, poverty. In terms of student poverty, high school, vocational college students ' stipends and other costs, can be through the "one card", such as direct subsidies to households. In terms of financial poverty, in order to further increase the size of loans, expands the scope of delivery, developing industry, Enterprise provides protection for the poor. In respect of transport poverty alleviation, to solve the bottleneck in poor villages, development of transport, vigorously promoting the construction of rural roads and ordinary roads. PV poverty reduction, to support conditions of poor villages and photovoltaic system of centralized, poor construction projects, poor五、各行任何部门和个人不得以任何理由放宽账户的开户条件～不得越权授意会计人员违规办理开户手续。

在对开户申请人提交的各项资料实地核实相符的基础上～还必须与之签订账户管理协议后～方可办理开户手续。

六、各行对各新开立的单位结算账户办理的前10笔支付业务,网上银行等电子渠道支付的除外,～会计柜员在办理支付前需联系存款人～确认属实后方可支付～同时要做好确认的记录、专夹保管备查。

七、各行应严格执行《人民币银行结算账户管理办法》对单位账户正式开立之日起3个工作日后方可办理付款的规定。

对于核准类银行结算账户～“正式开立之日”是指人民银行当地分支行的核准日期,对于非核准类单位银行结算账户～“正式开立之日”是指我行为存款人办理开户手续的日期。

八、各行应指定专人监控临时存款账户的有效期限～在临时存款账户有效期到期日前15天通知存款人及时办理撤销账户或申请展期。

临时存款账户有效期及批准展期的有效期不得超过,年。

对到期未办理展期也未撤销的临时存款账户～可采取停止账户支付的措施,当地人行另有规定的除外,。

九、各行应严格按照《实施细则》的有关规定～对已开立的临时存款账户和专用存款账户的开户资料进行检查～对违规开立或多头开立的上述账户按规定进行清理。

十、对临时存款账户和专用存款账户的开户资料的清理工作,poverty. In the area of poverty alleviation, to rely on e-commerce business park, active docking Alibaba group "rural treasure"3, , "the stars plan" and "featured the Museum" project to accelerate the implementation of electronic commerce "hundred thousand rural village" project, free train operation staff, offering online support help for poor families, the provision of micro-credit support, helping them touse e-commerce platform to escape poverty. In poverty reduction, give a man a fish and feed him for a day, to targeted skills training and entrepreneurship training free of charge for the poor, increase employment, entrepreneurial skills, ensure the transfer of training people, poverty. In terms of student poverty, high school, vocational college students ' stipends and other costs, can be through the "one card", such as direct subsidies to households. In terms of financial poverty, in order to further increase the size of loans, expands the scope of delivery, developing industry, Enterprise provides protection for the poor. In respect of transport poverty alleviation, to solve the bottleneck in poor villages, development of transport, vigorously promoting the construction of rural roads and ordinary roads. PV poverty reduction, to support conditions of poor villages and photovoltaic system of centralized, poor construction projects, poor及对2003年9月1日后新开户的有关资料的实地核实情况～必须在2005年5月15日前报送总行会计结算部,省辖行报告由省分行汇总后统一报送,。