中国银行业务知识汇编 机密
目 录
第一部分 零售业务...............................................................................................4
一.1 储蓄业务.......................................................................................................4
一.1.1 普通活期储蓄（本外币）.................................................................4
一.1.2 定期储蓄（本外币）.........................................................................5
一.1.3 活期一本通.........................................................................................9
一.1.4 定期一本通.......................................................................................10
一.1.5 电话银行...........................................................................................11
一.1.6 个人支票...........................................................................................12
一.1.7 通信存款...........................................................................................13
一.1.8 其他业务规定...................................................................................14
一.2 中间业务.....................................................................................................21
一.2.1 代收代付业务...................................................................................21
一.2.2 代售业务...........................................................................................29
一.2.3 银保业务...........................................................................................31
一.2.4 银证业务...........................................................................................33
一.2.5 “银券通”业务....................................................................................36
一.2.6 基金业务...........................................................................................38
一.2.7 保管箱业务.......................................................................................44
一.2.8 个人实盘外汇买卖...........................................................................47
一.2.9 个人本外币结算业务.......................................................................54
二.2 银行卡.........................................................................................................68
二.2.1 长城电子借记卡...............................................................................68
二.2.2 生肖卡（限北京分行）...................................................................70
二.2.3 长城人民币信用卡...........................................................................71
二.2.4 银联标识长城人民币信用卡...........................................................79
二.2.5 中银消费信贷记录卡（目前仅限北京分行）...............................80
二.2.6 庄胜崇光中银信贷消费卡(目前仅限北京分行)............................83
二.2.7 万事顺国际电子借记卡业务（上海分行）...................................85
二.2.8 长城国际卡业务...............................................................................89
二.2.9 代理卡业务.....................................................................................100
二.3 零售贷款...................................................................................................101
二.3.1 基本业务定义.................................................................................101
二.3.2 个人住房贷款.................................................................................102
二.3.3 个人住房公积金贷款.....................................................................106
二.3.4 个人二手住房贷款业务.................................................................108
二.3.5 个人住房担保贷款贴息业务.........................................................111
二.3.6 法人购房贷款.................................................................................113
二.3.7 个人商业用房贷款.........................................................................115
二.3.8 汽车消费贷款.................................................................................118
二.3.9 商业性助学贷款业务.....................................................................122
二.3.10 出国留学外汇贷款业务...............................................................128
二.3.11 个人投资经营贷款业务...............................................................130
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