分行非标准期限外币定期存款业务操作细则(修改)20111009

分行非期限外币定期存款业务操作细则(修改)20111009 中国农业银行上海市分行非标准期限 外币定期存款业务操作细则 第一章 总则 第一条 为我行非标准期限外币定期存款业务的操作～进一步拓展外汇存款业务～根据中国人民银行、中国银行业监督管理委员会、中国保险监督管理委员会、中国证券监督管理委员会的有关规定及总行的相关规定～特制定本操作细则。 第二条 非标准期限外币定期存款业务是指根据中国人民银行的相关规定～我行与客户协商确定存款利率和存款期限～为客户提供存放期限在我行挂牌外币定期存款期限之外的外币存款业务。 非标准期限外币定期存款业务的客户是指企业、事业、机关、部队、社会团体及其他经济组织等单位客户和境内外同业客户。其中～同业客户,不含保险公司、小额贷款公司、中央及其他金融控股公司,在我行办理非标准期限外币定期存款无起点金额限制,单位客户在我行办理非标准期限外币定期存款必须为单笔300万,含,以上美元或等值其他外币。保险公司、小额贷款公司、中央及其他金融控股公司比照单位客户处理,下同,。 目前可通过ABIS业务系统为客户办理非标准期限外币定期存款业务的币种为美元、日元、欧元、加拿大元、港币和英镑～其他外币如有需要暂时通过手工方式办理。 第三条 办理非标准期限外币定期存款业务应遵循以下原则: ,一,依法经营原则:办理非标准期限外币定期存款业务应遵守国家有关法律和金融法规～执行中国人民银行和总行的有关。 ,二,综合营销原则:办理非标准期限外币定期存款业务应与资产业务、中间业务互相结合～一体化营销客户。 ,三,讲求效益原则:办理非标准期限外币定期存款业务应统筹考methods of the poker vibrator vibrating, steel reinforcement in Foundation pit West of a steel processing plant concentrates production templates using large pieces of shaped steel formwork and bamboo glue formwork methods. Bridge jacking of 500t hydraulic top picks, roof is complete, edge angle wall, railing, cable channel, u-channel and other ancillary works construction. 3.1.4. the construction process (see the construction process flow chart) construction process flow chart3.2. construction site layout 3.2.1. construction site layout 1, layout according to the construction design requirement, Foundation placed in the North of the line. Construction site layout as shown in Figure 1. construction general layout. 2, temporary works combined with the devoted section personnel and machinery equipment, the actual situation, in accordance with the specification requirements, established in the site layout construction and management required from near, and to meet the normal production and life in the Office, housing and steel processing facilities, warehouse and storage and the template field, and fire facilities as required. Separation of work zones, work area, living area settings, and set wall closed. 3, construction water water in situ dewatering wells, water tanks and bottled water. 4, the construction of electricity given this project of welded steel and concrete construction 虑短期效益和长期效益、直接收益和间接收益～力求实现综合收益最大化。 第二章 基本规定 第四条 存款起息 非标准期限外币定期存款的起息日是指经双方协商一致～我行为客户的非标准期限外币定期存款开始计息的日期。起息日的当天开始计息～支取存款日当天不计息。 第五条 计息方式 非标准期限外币定期存款的计息方式一般有“Act/360”及“Act/365”两种方式。采用“Act/360”方式计息时～计息天数为实际存款天数～一年以360天计算,采用“Act/365”方式计息时～计息天数为实际存款天数～一年以365天计算。美元、欧元、日元及加拿大元存款采用“Act/360”方式计息,港币、英镑存款采用“Act/365”方式计息。 其他币种的计息方式另行规定。 第六条 开立账户 客户至我行办理非标准期限外币定期存款业务～可以在我行开立相应外汇账户～在我行开立外汇账户时～经营行应遵循国家外汇管理局和我行开户#管理办法#为其办理开户手续。 第七条 利率确定 一般情况下～对非标准期限外币定期存款利率报价～应以起息日当天分行公布的Libor/Hibor flat为基准利率～上浮或下浮一定点数确定。对于基准利率的采用～应首先采用同期限的Libor/Hibor flat～对没有同期限Libor/Hibor flat的～原则上应以相邻标准期限的Libor/Hibor flat为基准利率～遵循就低不就高的原则。 客户与我行达成办理非标准期限外币定期存款的意向后～对拟定存款利率浮动点数超出经营行存款利率报价权限的～经营行须在起息日前向分行报批利率价格水平。若客户在报批期限内要求上浮利率价格～或methods of the poker vibrator vibrating, steel reinforcement in Foundation pit West of a steel processing plant concentrates production templates using large pieces of shaped steel formwork and bamboo glue formwork methods. Bridge jacking of 500t hydraulic top picks, roof is complete, edge angle wall, railing, cable channel, u-channel and other ancillary works construction. 3.1.4. the construction process (see the construction process flow chart) construction process flow chart3.2. construction site layout 3.2.1. construction site layout 1, layout according to the construction design requirement, Foundation placed in the North of the line. Construction site layout as shown in Figure 1. construction general layout. 2, temporary works combined with the devoted section personnel and machinery equipment, the actual situation, in accordance with the specification requirements, established in the site layout construction and management required from near, and to meet the normal production and life in the Office, housing and steel processing facilities, warehouse and storage and the template field, and fire facilities as required. Separation of work zones, work area, living area settings, and set wall closed. 3, construction water water in situ dewatering wells, water tanks and bottled water. 4, the construction of electricity given this project of welded steel and concrete construction 当报批期限期满时～经营行须重新向分行报批利率价格水平。 第八条 核算科目 单位客户办理非标准期限外币定期存款～在2021“吸收存款”科目下根据单位客户类型分别核算～不满一个月,含,的计入一个月～一个月,不含,至三个月,含,的计入三个月～三个月,不含,至六个月,含,的计入六个月～六个月,不含,至一年,含,计入一年期～一年以上定期存款以此类推, 同业客户办理非标准期限外币定期存款在2031“同业存放”科目下根据同业客户类型分别核算。 第三章 业务流程 第九条 资金存入 经营行与客户就定期存款的币种、金额、存期、起息日、到期日、利率、计息方式商定一致后～应及时向客户提供我行正确的资金汇划途径～并保持与客户的及时沟通～以确保存款资金在双方约定的日期之前或当日划入我行账户。 单位客户应在存款起息日填写“定期存款凭条”～在我行开户的还需填制“外币付款凭证”。经营行应审核汇入资金的收款人户名与上述凭证上的单位名称是否一致～以及资金实际汇入日是否早于或等于非标准期限外币定期存款的起息日。核对无误后～经营行在ABIS业务系统中办理并出具“单位定期存款开户证实书”交予客户收执。 同业客户在办理该业务时～我行应与其事先约定款项存入、到期支取或转存的确认方式。款项存入、到期支取或转存的确认方式一般有:,1,SWIFT加押报文,,2,书面指令,,3,电子邮件。其中书面指令和电子邮件仅能作为款项存入或转存时的确认方式。同业客户在向我行提交书面指令时～必须在书面指令上签注公章或预留印鉴。同业客户可以通过传真方式向我行提交存入或转存的书面指令～但须在发出传真后三个工作日内将书面指令正本送达我行。 对于经营行直接营销的同业客户～经营行确定存放的金额、币种、 methods of the poker vibrator vibrating, steel reinforcement in Foundation pit West of a steel processing plant concentrates pr—3— oduction templates using large pieces of shaped steel formwork and bamboo glue formwork methods. Bridge jacking of 500t hydraulic top picks, roof is complete, edge angle wall, railing, cable channel, u-channel and other ancillary works construction. 3.1.4. the construction process (see the construction process flow chart) construction process flow chart3.2. construction site layout 3.2.1. construction site layout 1, layout according to the construction design requirement, Foundation placed in the North of the line. Construction site layout as shown in Figure 1. construction general layout. 2, temporary works combined with the devoted section personnel and machinery equipment, the actual situation, in accordance with the specification requirements, established in the site layout construction and management required from near, and to meet the normal production and life in the Office, housing and steel processing facilities, warehouse and storage and the template field, and fire facilities as required. Separation of work zones, work area, living area settings, and set wall closed. 3, construction water water in situ dewatering wells, water tanks and bottled water. 4, the construction of electricity given this project of welded steel and concrete construction 存期～起息日、利率、计息方式～以及约定款项存入、到期支取或转存的确认方式后～应填写《中国农业银行上海市分行同业客户非标准期限外币定期存款业务备案》,附件一,,以下简称“备案表”,上报分行国际部业务备案。 对于分行国际业务部直接营销的同业客户～以及对经营行直接营销的同业客户,以上报的备案表为准,～在收到相应同业客户的确认及收到其划入的款项后～分行国际业务部应及时填制《中国农业银行上海市分行非标准期限外币定期存款业务确认函》,附件二,,以下简称“确认函”,～交经营行。同业客户存放款项的起息日以分行确认函为准。 经营行会计部门收到分行国际业务部的“确认函”及实际划入的资金头寸后～应根据“确认函”的内容在ABIS业务系统中办理并出具“单位定期存款开户证实书”～并指派专人在两个工作日内将证实书送交相应同业客户～同时做好银行内部和外部的证实书交接和签收工作。 第十条 提前支取 非标准期限外币定期存款可以全部或部分提前支取～但只能提前支取一次。全部提前支取的～按支取日我行挂牌外币活期存款利率计息。部分提前支取的～提前支取部分按我行挂牌外币活期存款利率计息。 单位客户非标准期限外币定期存款办理部分提前支取的～留存部分如不低于等值300万美元的～可按原存期开具新的证实书～按原存款起息日的利率计息,留存部分不足等值300万美元的～不得办理部分提前支取。 同业客户非标准期限外币定期存款办理部分提前支取的～不受起存金额限制。 第十一条 到期支取 单位客户办理的非标准期限外币定期存款必须凭“单位定期存款开户证实书”支取。客户如需将到期款项划出我行的～还须填写《境内汇款申请书》或《境外汇款申请书》并加盖单位印章。 同业客户办理的非标准期限外币定期存款到期当日～经营行应负责methods of the poker vibrator vibrating, steel reinforcement in Foundation pit West of a steel processing plant concentrates production templates using large pieces of shaped steel formwork and bamboo glue formwork methods. Bridge jacking of 500t hydraulic top picks, roof is complete, edge angle wall, railing, cable channel, u-channel and other ancillary works construction. 3.1.4. the construction process (see the construction process flow chart) construction process flow chart3.2. construction site layout 3.2.1. construction site layout 1, layout according to the construction design requirement, Foundation placed in the North of the line. Construction site layout as shown in Figure 1. construction general layout. 2, temporary works combined with the devoted section personnel and machinery equipment, the actual situation, in accordance with the specification requirements, established in the site layout construction and management required from near, and to meet the normal production and life in the Office, housing and steel processing facilities, warehouse and storage and the template field, and fire facilities as required. Separation of work zones, work area, living area settings, and set wall closed. 3, construction water water in situ dewatering wells, water tanks and bottled water. 4, the construction of electricity given this project of welded steel and concrete construction 收回“单位定期存款开户证实书”～并交由会计部门处理。同业客户如需将到期款项划出我行的～应填制《境内汇款申请书》或《境外汇款申请书》并加盖公章或预留我行印鉴提交我行,或由同业客户向我行发送SWIFT加押报文确认款项划出～经营行经办人员应依据该报文代为填写《境内汇款申请书》或《境外汇款申请书》～经复核后～由经办人员及复核人员双人签字或加盖名章。填妥的《境内汇款申请书》或《境外汇款申请书》须与SWIFT加押报文一同交经营行国际业务部办理资金汇划。为同业客户办理的非标准期限外币定期存款到期款项的资金汇划业务免收汇款手续费及邮电费。 非标准期限外币定期存款不自动转存。 第十二条 本办法由分行负责制定与解释。 第十三条 同业客户标准期限外币定期存放业务参照本细则执行。 第十四条 本操作细则自发文之日起执行。《中国农业银行上海市分行同业客户外汇定期存放业务操作实施细则》,农银沪国际(2007)97号,和《关于明确非标准期限大额外币协议存款有关规定的通知》,农银沪办发(10)640号,同时废止。 methods of the poker vibrator vibrating, steel reinforcement in Foundation pit West of a steel processing plant concentrates pr—5— oduction templates using large pieces of shaped steel formwork and bamboo glue formwork methods. Bridge jacking of 500t hydraulic top picks, roof is complete, edge angle wall, railing, cable channel, u-channel and other ancillary works construction. 3.1.4. the construction process (see the construction process flow chart) construction process flow chart3.2. construction site layout 3.2.1. construction site layout 1, layout according to the construction design requirement, Foundation placed in the North of the line. Construction site layout as shown in Figure 1. construction general layout. 2, temporary works combined with the devoted section personnel and machinery equipment, the actual situation, in accordance with the specification requirements, established in the site layout construction and management required from near, and to meet the normal production and life in the Office, housing and steel processing facilities, warehouse and storage and the template field, and fire facilities as required. Separation of work zones, work area, living area settings, and set wall closed. 3, construction water water in situ dewatering wells, water tanks and bottled water. 4, the construction of electricity given this project of welded steel and concrete construction 附件一: 中国农业银行上海市分行 同业客户非标准期限外币定期存款业务备案表 致:分行国际业务部 编号: 同业客户名称 币种金额 基准利率 最终利率水平 业及加点水平 务 要基准利率的日期 存放期限 素 存款起息日 存款到期日 计息方式 确认方式 其他业务情况说明: ?存入 ?全额转存 ?部分转存 经营行意见 经办: 复核: 审批: 年 月 日 业务处理 经办 复核 注:1、本表一式二份，一份由分行国际部留存，一份支行国际部留存。 2、备案表编号规则:BBNNDDD;BB支行代码(行所号前2位)，NN年份，DDD顺序号(每年从001开始)。 methods of the poker vibrator vibrating, steel reinforcement in Foundation pit West of a steel processing plant concentrates production templates using large pieces of shaped steel formwork and bamboo glue formwork methods. Bridge jacking of 500t hydraulic top picks, roof is complete, edge angle wall, railing, cable channel, u-channel and other ancillary works construction. 3.1.4. the construction process (see the construction process flow chart) construction process flow chart3.2. construction site layout 3.2.1. construction site layout 1, layout according to the construction design requirement, Foundation placed in the North of the line. Construction site layout as shown in Figure 1. construction general layout. 2, temporary works combined with the devoted section personnel and machinery equipment, the actual situation, in accordance with the specification requirements, established in the site layout construction and management required from near, and to meet the normal production and life in the Office, housing and steel processing facilities, warehouse and storage and the template field, and fire facilities as required. Separation of work zones, work area, living area settings, and set wall closed. 3, construction water water in situ dewatering wells, water tanks and bottled water. 4, the construction of electricity given this project of welded steel and concrete construction 附件二: 中国农业银行上海市分行 同业客户非标准期限外币定期存款业务确认函 致: 编号: 同业客户名称 币种金额 基准利率 最终利率水平 业及加点水平 务 要基准利率的日期 存放期限 素 存款起息日 存款到期日 计息方式 确认方式 其他业务情况说明: ?存入 ?全额转存 ?部分转存 分行国际业务部 意见 经办: 复核: 审批: 年 月 日 业务处理 经办 复核 注:1、本函一式四份，一份由分行国际部客户经理留档，一份支行国际部客户经理留档，一份支行国际部会计部门留档，一份作为存款起息日支行记账凭证附件。 2、确认函编号规则:BBNNDDD;BB支行代码(行所号前2位)，NN年份，DDD顺序 methods of the poker vibrator vibrating, steel reinforcement in Foundation pit West of a steel processing plant concentrates pr—7— oduction templates using large pieces of shaped steel formwork and bamboo glue formwork methods. Bridge jacking of 500t hydraulic top picks, roof is complete, edge angle wall, railing, cable channel, u-channel and other ancillary works construction. 3.1.4. the construction process (see the construction process flow chart) construction process flow chart3.2. construction site layout 3.2.1. construction site layout 1, layout according to the construction design requirement, Foundation placed in the North of the line. Construction site layout as shown in Figure 1. construction general layout. 2, temporary works combined with the devoted section personnel and machinery equipment, the actual situation, in accordance with the specification requirements, established in the site layout construction and management required from near, and to meet the normal production and life in the Office, housing and steel processing facilities, warehouse and storage and the template field, and fire facilities as required. Separation of work zones, work area, living area settings, and set wall closed. 3, construction water water in situ dewatering wells, water tanks and bottled water. 4, the construction of electricity given this project of welded steel and concrete construction 号(每年从001开始)。 methods of the poker vibrator vibrating, steel reinforcement in Foundation pit West of a steel processing plant concentrates production templates using large pieces of shaped steel formwork and bamboo glue formwork methods. Bridge jacking of 500t hydraulic top picks, roof is complete, edge angle wall, railing, cable channel, u-channel and other ancillary works construction. 3.1.4. the construction process (see the construction process flow chart) construction process flow chart3.2. construction site layout 3.2.1. construction site layout 1, layout according to the construction design requirement, Foundation placed in the North of the line. Construction site layout as shown in Figure 1. construction general layout. 2, temporary works combined with the devoted section personnel and machinery equipment, the actual situation, in accordance with the specification requirements, established in the site layout construction and management required from near, and to meet the normal production and life in the Office, housing and steel processing facilities, warehouse and storage and the template field, and fire facilities as required. Separation of work zones, work area, living area settings, and set wall closed. 3, construction water water in situ dewatering wells, water tanks and bottled water. 4, the construction of electricity given this project of welded steel and concrete construction