銀行有哪些代收代付中間業務
銀行有哪些代收代付中間業務
代理類中間業務指商業銀行接受客戶委托、代為辦理客戶指定的經濟事務、提供金融服務并收取一定費用的業務，包括代理政策性銀行業務、代理中國人民銀行業務、代理商業銀行業務、代收代付業務、代理證券業務、代理保險業務、代理其他銀行銀行卡收單業務等。接下來小編為大家整理了銀行有哪些代收代付中間業務，希望對你有幫助哦!
A bank, acting as agent, currently provides such fee-based business as paying fees, giving pay packets, handling stock fund transfer service, handling securities trading settlement and handling insurance service. All these are intermediary services of the bank.
目前銀行開辦的“代收代付等中間業務”主要有代繳費、代發薪、代股票資金轉賬業務、代證券交易委托、代理保險業務等，是銀行提供的一種服務。
Bill Payment Service
Bill payment service is a kind of transfer settlement service in which the bank collects as agent of fee collectors (such as postal, power, gas and water supply departments) fees from their users. All the fee collectors and their users shall open current accounts with the agent bank. On every day of fee collection provided in the agreements, the bank regularly debits the accounts of the users with the amounts listed in the fee collection sheets of the collectors and brings them to the credit of the accounts of the collectors, and also takes commissions according to the number of payments by the users. The clients may also pay such fees, say, fixed telephone charges, mobile phone charges, traffic violation fines, insurance premiums, etc., in cash across the bank counters.
代繳費業務
代繳費業務，是銀行代理收費單位(郵電、電、氣、供水等部門)向其用戶收取費用的一種轉賬結算業務。 收費單位與用戶均應在代理銀行開立活期存款賬戶，銀行定期在協議規定的收費日，從用戶存款賬戶中按收費單位所列收費清單扣劃給收費單位，并按用戶交款筆數收取手續費?？蛻粢部梢袁F金方式在銀行柜臺繳費，如代收電話費、移動電話費、交通違章罰款、保險費等。
Automatic Deposit Service
Automatic deposit service is a kind of service in which the bank grants with the trust of state organs, public institutions and enterprises pays directly to their staff members and workers through their current accounts opened with the bank. The handling procedures are as follows: after consultations between the bank and the pay issuer, the latter shall fill in and give a letter of authorization for pay giving on commission to the bank, each staff member of the pay issuer shall open a current account with the bank who in turn issues to them passbooks or ATM cards with which they may withdraw their deposits. This kind of business changes the traditional practice of clients and is more convenient for the clients as it changes the practice of “use before depositing” to “use after depositing”.
代發薪業務
代發薪業務是銀行受國家機關、行政事業單位及企業的委托，通過其在銀行開立的活期儲蓄賬戶，直接向本單位職工發放工資的業務。
其辦理手續是：經銀行和發薪單位協商后，發薪單位填寫代發薪委托書給銀行，單位每位職工要在經辦銀行開立活期存款賬戶，銀行發給存折或ATM卡，憑存折或ATM卡支取。此業務改變了客戶傳統習慣，變“先用后存”為“先存后用”，方便了客戶。
.Transfer Service For Security Company
Currently, the bank's main agency services for stock trading include banking-securities transfer service and stock trading settlement service on commission. (1)Banking-securities transfer service: it refers to service of mutual transfers between accounts of bank deposits and accounts of securities margins provided to clients through such methods as savings counters, telephone banking service and POS system of the bank.
(2)Stock trading settlement service on commission refers to receipt, payment, transfer and settlement of stock trading funds through the current account of a stock investor that is handled by the bank as agent of the securities company when a stock transaction takes place. This is aimed to facilitate share subscription and trading of stock investors.
代理股票交易業務
目前銀行代理股票交易業務主要有：提供銀證轉賬服務和代理股票交易委托服務。(1)銀證轉賬服務：通過我行儲蓄機構柜臺、電話銀行服務和自助終端等方式，向客戶提供銀行存款賬戶與證券保證金賬戶之間的相互轉賬。 (2)代理股票交易委托服務是為方便股民認購和股票交易，當發生股票交易時，銀行可代理證券公司，從股民活期存款賬戶中為其辦理股票交易資金收付轉賬結算。
Bancassurance
Bancassurance service is available now from Bank of China,an agent for insurance companies,such as Ping¡¯an.A client may complete the whole range of insurance operations from effecting insurance and paying premiums to getting policy and preservation at a savings outlet of the bank of china.
代理保險業務
銀行代理平安保險等保險公司的部分壽險業務，客戶在中國銀行儲蓄機構就可以完成從投保、交費到出單、保全等全部投保業務環節。
Selling and Redeeming Book-entry Treasury Bonds on Commission
All savings outlets of the bank sell and redeem book-entry treasury bonds on commission.
代售、兌憑證式國庫券
銀行所有儲蓄機構網點代售、兌憑證式國庫券。