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1、编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页 共1页n更多企业学院： 中小企业管理全能版183套讲座+89700份资料总经理、高层管理49套讲座+16388份资料中层管理学院46套讲座+6020份资料国学智慧、易经46套讲座人力资源学院56套讲座+27123份资料各阶段员工培训学院77套讲座+ 324份资料员工管理企业学院67套讲座+ 8720份资料工厂生产管理学院52套讲座+ 13920份资料财务管理学院53套讲座+ 17945份资料销售经理学院56套讲座+ 14350份资料销售人员培训学院72套讲座+ 4879份资料n更多企业学院： 中小企业管理全能版183套讲
2、座+89700份资料总经理、高层管理49套讲座+16388份资料中层管理学院46套讲座+6020份资料国学智慧、易经46套讲座人力资源学院56套讲座+27123份资料各阶段员工培训学院77套讲座+ 324份资料员工管理企业学院67套讲座+ 8720份资料工厂生产管理学院52套讲座+ 13920份资料财务管理学院53套讲座+ 17945份资料销售经理学院56套讲座+ 14350份资料销售人员培训学院72套讲座+ 4879份资料大家论坛2012年FECT考试必备资料：FECT指定教材： FECT教材配套必备手册：FECT教材配套必备习题：FECT历年真题：FECT推荐词典：FECT听力：FECT词
3、汇：其他经济金融类英语资料推荐：金融英语-高级-银行业务与管理-银行基础知识英语通知储蓄存款 Notice deposit is defined as one that does not have definite term when making deposits and the types are chosen in advance (now there are two types: one day notice deposit and seven days notice deposit), and you must inform the bank before the withdrawa
4、l of the date and amount of withdrawal. Usually the minimum amount of notice deposit is 50,000 RMB yuan in a lump sum with the minimum withdrawal sum not less than 50,000 RMB yuan each time. You can deposit money in a lump sum and withdraw money in a lump sum or by several times. 通知储蓄存款是一种存款人在存入款项时不
5、约定存期，预先确定品种（目前分一天通知储蓄存款、七天通知储蓄存款两个品种），支取时需提前通知银行，约定支取日期及金额的储蓄存款方式。一般5万元起存，最低支取金额5万元，一次存入，可分一次或多次支取的储蓄存款。通信存款 Deposits by correspondence refer to the way in which overseas Chinese, Hong Kong, Macao and Taiwan compatriots, Chinese of foreign nationality and domestic residents approved to settle down o
6、r study abroad authorize domestic banks to handle savings deposits for their funds abroad. 通信存款是指华侨、港澳台胞、外籍华人及批准出境定居或留学的国内居民，将其在国外的资金委托国内银行办理储蓄存款的一种方式。 A client sending a letter authorizing the bank to handle the deposits by correspondence may go through the account opening procedures by attaching d
7、uplicates of his or her ID card, passport or exit pass and other valid credentials, filling out the Application Form for Opening Account of Deposits by Correspondence, choosing the type of deposits according to the types of services already transacted by the bank (say, current deposit, time deposit
8、and current-time optional deposits, etc.), and also pre-assign the method of withdrawal later. 来信委托银行办理通信存款开户的客户，须附身份证、护照或出境通行证等有效证件的影印件，填写“通信存款开户申请书”，根据银行已开办的业务种类（如活期、定期、定活两便等）选择存款种类，并约定日后的支取方式，即可办理开户手续。储蓄存款挂失业务 If a certificate of deposit, a bank passbook or a seal of a client is lost or stolen, o
9、r the password is forgotten, the loss reporting may be handled at the bank as the following procedures: 客户的储蓄存单、存折、印鉴如不慎遗失、被盗或密码遗忘，可按下列手续到银行办理挂失： The client shall immediately handle the written loss reporting procedures at the original depository bank. In reporting loss, the client shall present the
10、 personal credentials (ID card, residence permit, passport, etc.) and also provide the related deposit information such as account, account holders name, time of account opening, amount, type of currency and maturity. The loss reporting may be accepted after the bank certifies them correct, and the
11、bank confirms that the payment has not been made before the loss reporting is handled. If the client can not be present at the bank in handling the loss reporting, he or she may authorize another person to handle it on his / her behalf and at the same time the credentials of the agent shall be prese
12、nted. The loss reporting of password may not be handled on agency. 客户应立即到原存款行办理书面挂失手续，挂失时客户应持本人身份证件（身份证、暂住证、护照等）并提供账户、户名、开户时间、金额、币种、期限等有关存 款内容，经银行审核无误后即可办理挂失，银行经查实确未支付方可受理。如客户不能亲自前往银行，可委托他人代办挂失，同时提供代办人身份证件。密码挂失不 准代办。 个人外汇预结汇业务 If you remit fund from abroad into China and want to pay the beneficiary
13、in RMB, bank oversea office can convert it into RMB according to the exchange rate level on the remittance day and inform domestic office to pay RMB fund to the beneficiary appointed by you. 如您在境外向国内汇入汇款，并要求以人民币交付给收款人，银行境外机构可先按照汇款日的汇率水平折成人民币，告知国内机构，并将人民币款项交付给您指定的收款人。外币兑换业务 Banks can handle the excha
14、nge 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 h
15、andle 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 banks 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 passp
