銀行業(yè)務(wù)介紹
銀行業(yè)務(wù)介紹
銀行是以存款、貸款、電匯、儲(chǔ)蓄等業(yè)務(wù)，承擔(dān)信用中介的金融機(jī)構(gòu)。其主要的業(yè)務(wù)范圍有吸收公眾存款、發(fā)放貸款以及辦理票據(jù)貼現(xiàn)等。接下來(lái)小編為大家整理了銀行業(yè)務(wù)介紹，希望對(duì)你有幫助哦!
一、外幣兌換業(yè)務(wù)
Banks can handle the exchange between RMB and foreign currencies at current quotations on the day. Convertible currencies include US dollar, HK dollar, Japanese yen, Euro, English pound, Swiss franc, Australian dollar, Singapore dollar, Norwegian krone, Danish krone, Macao pataca, New Zealand dollar, and etc. The banks can handle foreign exchange purchase for official foreign visit groups. You are only required to take the exit paper approved by the Administration of Foreign Exchange for the bank's examination before acquiring foreign exchange. Foreigners leaving the country can convert the unused RMB, which were converted when they entered the country, into foreign currencies according to their passports and original foreign currency conversion receipts within six months.
銀行可按當(dāng)日牌價(jià)為您辦理人民幣與外幣的兌換?？蓛稉Q的貨幣包括：美元、港幣、日元、歐元、英鎊、瑞士法郎、澳大利亞元、新加坡元、加拿大元、瑞典克郎、挪威克郎、丹麥克郎、澳門元和新西蘭元等。 銀行可辦理公派出國(guó)團(tuán)組的購(gòu)匯業(yè)務(wù)。您只需持外匯管理局審批的出國(guó)批件，經(jīng)銀行審核無(wú)誤后即可予以供匯。境外人員離境前，可在銀行憑本人護(hù)照和六個(gè)月內(nèi)原工商銀行外幣兌換水單將入境時(shí)兌換的未用完的人民幣兌回外幣。
二、存款證明業(yè)務(wù)
The client having a foreign currency time deposit account in a bank with the term longer than 3 months need the bank to issue a “Deposit Certificate” so as to go through procedures to go aboard or for other reasons, he can provide the original business office with detailed and reliable documents (such as the documents related to the certificate) and fill in an “Application & Commitment Form”. After examination, the bank is to issue a “Deposit Certificate” so as to meet the needs of the client in visa application or other issues.
在銀行存滿三個(gè)月以上的外幣定期儲(chǔ)蓄存款 ，需要辦理申請(qǐng)出國(guó)手續(xù)或其他原因要求銀行開(kāi)具“儲(chǔ)蓄存款證明書”時(shí)，可向原存款營(yíng)業(yè)網(wǎng)點(diǎn)提供可靠文件材料(如索取證明方面的有關(guān)文件)，填具“申請(qǐng)承諾書”，經(jīng)審查后，由銀行開(kāi)具“儲(chǔ)蓄存款證明書”，以滿足客戶辦理出境簽證或其他原因的需求。
三、代發(fā)工資，社會(huì)保險(xiǎn)金業(yè)務(wù)
Agency salary and social insurance welfare payment businessAgency salary and social insurance welfare business is a business whereby any subordinate institution of ICBC conducts batch inwards transfer through the advanced computer networked system, automatically transfers relevant funds into a savings account designated by a depositor, and pay his/her salary on behalf of the corporate/institutional unit or pay his/her social insurance welfares on behalf of the social insurance authorities.
代發(fā)工資、社會(huì)保險(xiǎn)金業(yè)務(wù)代發(fā)工資、社會(huì)保險(xiǎn)金業(yè)務(wù)是指中國(guó)工商銀行其屬下機(jī)構(gòu)，通過(guò)先進(jìn)的電腦聯(lián)網(wǎng)系統(tǒng)進(jìn)行批量入賬，將有關(guān)款項(xiàng)自動(dòng)轉(zhuǎn)入儲(chǔ)戶預(yù)先約定的儲(chǔ)蓄賬戶上，代理企、事業(yè)單位發(fā)放工資或代理社會(huì)保險(xiǎn)局發(fā)放社會(huì)福利保險(xiǎn)金的業(yè)務(wù)。