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1、人民币银行结算账户管理操作手册第一章概述2第一节存款人、开户银行和银行结算账户3第二节银行结算账户的核准制与备案制6第二章账户业务处理流程9第一节存款人如何办理开立、变更、撤销手续9第二节核准类银行结算账户资料的报送14第三章银行结算账户申请书14第一节开立银行结算账户申请书15第二节变更银行结算账户申请书25第三节临时存款账户展期申请书28第四节撤销单位银行结算账户申请书32第五节补（换）发银行结算账户申请书34第六节以单位名称后加内设机构（部门）名称开立专用存款账户申请书附页36第七节建筑施工企业以建筑施工企业名称后加项目部名称开立临时存款
2、账户申请书附页38第八节变更以单位名称后加内设机构（部门）名称开立专用存款账户申请书附页40第九节变更以建筑施工企业名称后加项目部名称开立临时存款账户申请书附页43第四章银行结算账户的开立46第一节基本存款账户的开户资料47第二节专用存款账户的开户资料64第三节临时存款账户的开户资料68personalcreditbusinessprocessmanagement,anddevelopmentofbusinessprocesses,cleartheloanobjectandscope,establishloanoperationofassess
3、mentandaccountabilitymechanisms.DiversitymanagementprinciplestheBank'sstrictseparationbetweenbusinessandconsumeruseofpersonalcredit,thenaccordingtothedifferentvarietiesofbusinesstoestablishtheappropriateaccessstandard,post-lendingmanagementrequirements.Businessusepersonalcre
4、ditshouldbestrictlyinaccordancewiththeqiluBank'ssmallbusinesscreditriskmanagementguidelinesandassociatedworkingcapitalloansmanagementrequirements,suchasassessingthemanagementofproductionandoperation,repaymentability,thelevelofrisk,andsoon.IncomedebtratiocontrolprincipleofBan
5、kincomedebtratiocontrolmechanism,combinedwiththeborrower'sincome,debt,expenditures,loans,guaranteesandotherfactors,determinestheloanamountandterm,controleachrepaymentdoesnotexceedtheamountoftheborrowerrepaymentability.Principlesoftrans-regionallimitsBranchesshallnotinprincip
6、letooperatingincomemainlycomesfromoffsite(prefecture-levelcitiesandadministrativedivisionsatorabove)orinward(MS)chargeprovidedcreditsupportforindividualcustomersislocatedindifferentplaces,butexceptthosewithuniqueadvantagessuchascritical.Havesetupbranchesindifferentplaces,oth
7、erbodiesarenotentitledtocarryoutthebranchofcreditbusinessintheregion.BranchCountyareahasbeenestablished,otherbodiesarenotentitledtoapplyforthecreditwithintheCounty.Doublebeforegoingthroughthepersonalcreditbusinesscreditinvestigation,Contracting,securityverification,creditche
8、ck,keyaccountmanagershouldbedoublehandle.Banksupportsriskmanagers,loanrevie
