【正文】 1 會計(jì)業(yè)務(wù) 操作 規(guī)范化手冊 目 錄???????????????????????????????????????????????????????????? 1 第一篇 存款業(yè)務(wù) 一、客戶信息 ......................................................................................................................................................................................................16 建立客戶信息 ...........................................................................................................................................................................................16 修改客戶信息（賬戶信息變更） ...............................................................................................................................................................18 刪除客戶信息 ...........................................................................................................................................................................................19 二、個(gè)人存款業(yè) 務(wù) ..............................................................................................................................................................................................20 個(gè)人存款開戶 ...........................................................................................................................................................................................20 續(xù)存（包括存折、豐收借記卡） ...............................................................................................................................................................22 取款（包括存折、豐收借記卡） ...............................................................................................................................................................23 轉(zhuǎn)賬（包括卡卡、卡折、折折轉(zhuǎn)賬） ........................................................................................................................................................24 銷戶 /部份支取 .........................................................................................................................................................................................25 活期儲蓄賬戶轉(zhuǎn)個(gè)人結(jié)算戶 ......................................................................................................................................................................26 三、借記卡業(yè)務(wù) ..................................................................................................................................................................................................27 3． 1 個(gè)人開卡 .................................................................................................................................................................................................27 個(gè)人開卡 ...............................................................................................................................................................................................27 豐收卡單卡申領(lǐng) ....................................................................................................................................................................................28 .........................................................................................................................................................................................................28 .........................................................................................................................................................................................................28 銷戶（有折卡銷戶與無折卡銷戶） ...........................................................................................................................................................28 四、單位存款業(yè)務(wù) ..............................................................................................................................................................................................29 單位活期存款 ...........................................................................................................................................................................................29 單位活期存款開戶 .............................................................................................................................................................................29 2 單位活期存款賬戶啟用 ......................................................................................................................................................................31 單位活期賬戶銷戶 .............................................................................................................................................................................31 單位驗(yàn)資、增資戶開戶 ......................................................................................................................................................................33 單位驗(yàn)資、增資戶轉(zhuǎn)正常戶 ...............................................................................................................................................................34 單位驗(yàn)資、增資戶退資 ......................................................................................................................................................................34 單位定期存款 ...........................................................................................................................................................................................35 單位定期存款開戶 .............................................................................................................................................................................35 單位定期存款部分提前支取∕銷戶 .....................................................................................................................................................36 單位協(xié)定存款 ...........................................................................................................................................................................................37 單位協(xié)定存款開戶 ..........................................................................