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结算相关知识 – 蓝色数据 Skip to content当您在银行办理存储业务时,当您在享受便捷的支付手段进
行资金往来时,当您在利用快捷的网上银行、手机银行等方式购
物时,您知道这一切都得益于什么吗?本章将为您揭开谜底——
支付结算。通过对支付清算系统、支付结算业务、银行卡及银行
结算账户的介绍,让您能够清晰的了解我国中央银行支付结算知
识。
第一节 支付系统
一、我国现代支付系统简介
支付系统是经济金融体系的重要基础设施。目前,我国已初
步建成以中国人民银行现代化支付系统为核心,银行业金融机构
行内支付系统为基础,网上支付跨行清算系统、银行卡支付系统、
境内外币支付系统等为重要组成部分的支付清算网络体系,对加
快社会资金周转,提高支付清算效率,促进国民经济健康平稳的
发展发挥着越来越重要的作用。
中国现代化支付系统是中国人民银行按照我国支付清算需
要,利用现代化计算机技术和通信网络开发建设的,能够高效、
安全处理各银行办理的异地、同城各种支付业务及其资金清算和
货币市场交易的资金清算应用系统。它是各银行机构和货币市场
的公共支付清算平台,是人民银行发挥其金融服务职能的核心支
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持系统。现代化支付系统主要包括大额实时支付系统、小额批量
支付系统和网上支付跨行清算系统,它就像连接各家商业银行的
桥梁和纽带,将各家相互独立的银行连接在一起,织成了我国社
会资金运动的“高速公路”网。
二、大额实时支付系统
大额实时支付系统主要处理金额在规定起点以上的大额贷
记支付业务和紧急的小额贷记支付业务。大额支付指令逐笔实时
发送,全额清算资金,主要为各银行业金融机构和广大企事业单
位以及金融市场提供快速、高效、安全、可靠的支付清算服务,
是支持货币政策实施和维护金融稳定的重要金融基础设施。大额
实时支付系统具有如下特点:
一是高效的支付清算服务功能。大额实时支付系统采取与各
银行业金融机构直接参与者直接连接的方式,每笔支付业务实时
到账,实现了全国跨行资金清算的零在途,提高了资金使用效率。
二是灵活的系统管理功能。大额实时支付系统集中各银行业
金融机构准备金账户,提供联机头寸查询、日间透支限额、自动
质押融资、设置清算窗口等功能。
三是高效的货币政策传导与金融市场资金清算功能。大额实
时支付系统为中央银行公开市场操作业务提供即时清算,完成中
央银行买卖有价证券资金的最终结算。大额实时支付系统与中央
债券综合业务系统直接连接,实现债券交割和资金清算的同步。
大额实时支付系统与外汇交易及同业拆借系统连接,为外汇交易
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市场和同业拆借市场提供快捷、低成本的资金清算服务。
三、小额批量支付系统
小额批量支付系统主要处理同城和异地的借记支付业务以
及每笔金额在规定起点以下的小额贷记支付业务。支付指令批量
发送,轧差净额清算资金,主要为社会提供低成本、大业务量的
支付清算服务。小额批量支付系统具有以下主要特点:
一是支撑各种支付工具的使用。除传统的借、贷记业务以外,
小额批量支付系统可处理财税库银横向联网纳税拨款、支票圈存
和支票截留等业务,公用事业费的收取等定期借记业务,工资、
政府福利津贴、养老金和保险金的发放等定期贷记业务。
二是实行 7×24 小时连续运行。小额批量支付系统实行“全
时”服务,可以对网上支付、电话纳税等服务提供支持,满足法
定节假日支付活动需要,方便公众日常支付。
三是完备的风险防范措施。小额批量支付系统对系统直接参
与者设置净借记限额管理,要求金融机构对设置净借记限额提供
相应质押品或资金作为担保。小额支付业务轧差净额的清算统一
纳入大额实时支付系统,通过启动自动质押融资机制,加强流动
性管理,防范流动性风险。
四、网上支付跨行清算系统
网上支付跨行清算系统主要处理客户通过在线方式提交的
跨行账户信息查询业务、在线签约业务以及 5 万元以下的跨行支
付业务等,实行 7×24 小时连续运行。以该系统为依托,客户通
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过商业银行的网上银行可以足不出户地办理多项跨行业务,并可
及时了解业务的最终处理结果。网上支付跨行清算系统主要为客
户带来以下便利:一是提高跨行支付效率,可以方便、及时地办
理跨行转账、信用卡跨行还款等业务;二是便利财富管理,通过
与银行签订协议后,依托一家银行的网上银行,即可查询在其他
银行的账户信息,实现“一站式”财富管理;三是拓展电子商务
的业务范围,可依托一个银行账户方便地办理公用事业缴费、网
络购物等业务,便利其日常生产生活,客观上也可支持并促进我
国电子商务的快速发展。
第二节 支付结算业务
支付结算业务是指银行为单位客户和个人客户采用票据、信
用卡、汇兑、托收承付、委托收款等结算方式进行货币给付及资
金清算提供的服务。支付结算业务是银行的中间业务,主要收入
来源是手续费收入。
一、 传统支付结算业务
(一)票据
广义的票据泛指各种有价证券和凭证,如债券、股票、提单、
国库券、发票等等。狭义的票据仅指以支付金钱为目的的有价证
券,即出票人根据票据法签发的,由自己无条件支付确定金额或
者委托他人无条件支付确定金额给收款人或持票人的有价证券。
在我国,票据即汇票(银行汇票和商业汇票)、支票及本票(银
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行本票)的统称,是我国企事业单位使用最广泛的非现金支付结
算工具。
1、如何使用支票
支票是出票人签发的,委托办理支票存款业务的银行或者其
他金融机构在见票时无条件支付确定金额给收款人或者持票人
的票据。
开立支票存款账户,申请人必须使用其本名,并提交证明其
身份的合法证件,并预留其本名的签名式样和印鉴。开立支票存
款账户和领用支票,应当有可靠的资信,并存入一定的资金。
(1)支票的填制
支票必须记载下列事项:①表明“支票”的字样;②无条件
支付的委托;③确定的金额;④付款人名称;⑤出票日期;⑥出
票人签章。支票上未记载上述规定事项之一的,支票无效。
支票上的金额、日期、收款人名称不得更改,票据金额以中
文大写和数码同时记载且二者必须一致,如果违反这些规定,都
将导致支票无效。
支票填写应注意以下事项:
①签发支票应使用碳素墨水或墨汁填写。
②大写金额数字应紧接“人民币”字样填写,不得留有空白,
以防加填;大小写金额要对应并按规定书写;阿拉伯小写金额数
字前面,均应填写人民币符号“¥”。阿拉伯小写金额数字要认
真填写,不得连写分辨不清。
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③为防止变造支票的出票日期,在填写月、日时应注意:月
为壹、贰、壹拾的,日为壹至玖、壹拾、贰拾和叁拾的,应在其
前加“零”
; 日为拾壹至拾玖的,应在其前加“壹”。
例一:2005 年 8 月 5 日:贰零零伍年捌月零伍日。捌月前
零字可写也可不写,伍日前零字必写。
例二:2006 年 2 月 13 日:贰零零陆年零贰月壹拾叁日。
④支票的出票人签发支票的金额不得超过付款时在付款人
处实有的金额。
⑤支票的出票人在票据上的签章,应为其预留银行的签章,
该签章是银行审核支票付款的依据。银行也可以与出票人约定使
用支付密码,作为银行审核支付支票金额的条件。出票人不得签
发与其预留银行签章不符的支票;使用支付密码的,出票人不得
签发支付密码错误的支票。
(2)支票的背书
支票的背书是指以转让支票权利为目的,或者以将支票权利
授予他人行使为目的,在支票背面或者粘单上记载有关事项并签
章的票据行为。
支票的背书应遵循以下规定:
①支票的背书人可以在支票上记载“不得转让”、“委托收
款”、“质押”字样。支票上记载了“不得转让”字样后,被背书
人不能将支票继续背书转让,否则,原背书人对被背书人的后手
不承担保证责任。
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②支票的背书不得附有条件,背书时附有条件的,所附条件
不具有效力。
③不得将支票金额部分转让或将支票转让给二人以上,背书
人做出以上背书的,视为未背书或者支票的转让无效。
④用于支取现金的支票不得背书转让。
⑤以背书转让的支票,背书应当连续。所谓背书连续是指在
支票转让中,转让支票的背书人与受让支票的被背书人在支票上
的签章依次前后衔接。背书连续是持票人拥有合法票据权利的证
明,如果背书不连续,支票付款人可以拒绝付款。支票背书关系
如下:
被背书人:乙 被背书人:丙 被背书人:丁
背书人:甲
xxxx 年 x月 x日
背书人:乙
xxxx 年 x月 x日
背书人:丙
xxxx 年 x月 x日
说明:甲是支票票面上记载的收款人,甲将支票背书转让给
乙,甲称为乙的前手,乙称为甲的后手。同理,甲、乙、丙都是
丁的前手,乙、丙、丁都是甲的后手。
(3)接收支票应注意事项
①没有签名盖章的支票不能收。鉴章空白的支票是“不完全
票据”,这种票据无法律效力。必须请出票人补盖印鉴方可接收。
②出票签名或盖章模糊不清的支票不能收。这种鉴章不清楚
PUBLIC – 104
或不明的支票经常被银行退票。
③支票上签章处只有出票人的指印,没有其他签名或盖章,
最好拒收。支票上的签名能以盖章的方式代替,但不能以捺指印
代替签名。
④图章颠倒的支票是有效的,可以收。
⑤盖错印章涂销后,再加盖正确印鉴的支票,可以收。出票
人在盖错的印鉴上打“/”涂销,这枚印鉴视为没有记载,只要
第二次所盖的印鉴和银行内原有的印鉴相同,而且户头内有足够
存款,这张支票是安全的。
⑥大小写金额不符的支票不能收。
⑦出票金额、出票日期、收款人名称更改的支票不能收,其
它记载事项更改没有原记载人签章证明的支票不能收。
⑧背书不连续的支票不能收。背书使用粘单的,粘单上的第
一记载人没有在支票和粘单的粘接处签章的不能收。
⑨超出支票 10 天提示付款期的支票不能收。
(4)签发空头支票或签发与其预留的签章不符的支票的法
律后果
出票人签发的支票金额超过其付款时在付款人处实有的存
款金额的,为空头支票。签发空头支票或签发与其预留的签章不
符的支票的法律后果包括刑事责任、行政责任和民事责任三个方
面:
①签发空头支票或签发与其预留的签章不符的支票,骗取财
PUBLIC – 105
物的,根据《刑法》第 194 条规定,对这种金融诈骗犯罪,处 5
年以下有期徒刑或者拘役,并处 2 万元以上 20 万元以下罚金;
数额巨大或者有其他严重情节的,处 5 年以上 10 年以下有期徒
刑,并处 5 万元以上 50 万元以下罚金;数额特别巨大或者有其
他特别严重情节的,处 10 年以上有期徒刑或者无期徒刑,并处
5 万元以上 50 万元以下罚金或者没收财产。
②签发空头支票或签发与其预留的签章不符的支票,不以骗
取财物为目的的,根据《票据管理实施办法》第 31 条的规定,
由中国人民银行处以票面金额 5%但不低于 1000 元的罚款;持票
人有权要求出票人赔偿支票金额 2%的赔偿金。
③对屡次签发(一般一个会计年度内三次以上)的,出票人
开户银行有权停止其办理支票业务。
案例 6.1
(一)2010 年 3 月 24 日,在 J 银行某支行开户的 A 有
限公司签发一张金额为人民币 4,784.00 元,收款人为 B 商店
的转账支票。2010 年 3 月 31 日,收款人通过开户银行提示
付款时,银行工作人员发现该出票人签发的支票上印章与其
预留银行印鉴不符,随即退票。
接到 J 银行某支行上报的《空头支票报告书》后,当地
人民银行对该行上报的内容进行了调查,经查实,依据《票
据管理实施办法》第三十一条 “签发空头支票或者签发与
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其预留的签章不符的支票,不以骗取财物为目的的,由中国
人民银行处以票面金额 5%但不低于1000元的罚款”之规定,
对 A 有限公司处以罚款人民币 1,000.00 元的行政处罚。
(二)2010 年 4 月 30 日,在 Z 银行某支行开户的 C 有
限公司签发一张金额为人民币 23,862.00 元,收款人为 D 有
限公司的转账支票。2010 年 5 月 4 日收款人通过开户银行提
示付款时,银行工作人员发现该出票人账上实际余额为人民
币 0.00 元,随即退票。
接到 Z 银行某支行上报的《空头支票报告书》后,当地
人民银行对该行上报的内容进行了调查,经查实,依据《票
据管理实施办法》第三十一条 “签发空头支票或者签发与
其预留的签章不符的支票,不以骗取财物为目的的,由中国
人民银行处以票面金额 5%但不低于1000元的罚款”之规定,
对 C 有限公司处以罚款人民币 1,193.10 元的行政处罚。
2、如何使用汇票
汇票是出票人签发的,委托付款人在见票时或者在指定日期
无条件支付确定的金额给收款人或者持票人的票据。汇票分为银
行汇票和商业汇票。
(1)出票。出票是指出票人签发票据并将其交付给收款人
的票据行为。汇票的出票人必须与付款人具有真实的委托付款关
系,并且具有支付汇票金额的可靠资金来源。出票人签发汇票后,
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即承担保证该汇票承兑和付款的责任。不得签发无对价的汇票用
以骗取银行或者其他票据当事人的资金。
汇票必须记载下列事项:①表明“汇票”的字样;②无条件
支付的委托;③确定的金额;④付款人名称;⑤收款人名称;⑥
出票日期;⑦出票人签章。汇票上未记载上述规定事项之一的,
汇票无效。
(2)背书。背书是指在票据背面或者粘单上记载有关事项
并签章的票据行为。持票人可以将汇票权利转让给他人或者将一
定的汇票权利授予他人行使。如果出票人在汇票上记载“不得转
让”字样的,汇票不得转让。
以背书转让的汇票,背书应当连续。持票人以背书的连续,
证明其汇票权利;非经背书转让,而以其他合法方式取得汇票的,
依法举证,证明其汇票权利。以背书转让的汇票,后手应当对其
直接前手背书的真实性负责。汇票被拒绝承兑、被拒绝付款或者
超过付款提示期限的,不得背书转让;背书转让的,背书人应当
承担汇票责任。
汇票可以设定质押,质押时应当以背书记载“质押”字样。
被背书人依法实现其质权时,可以行使汇票权利。
(3)承兑。承兑是指汇票付款人承诺在汇票到期日支付汇
票金额的票据行为。定日付款或者出票后定期付款的汇票,持票
人应当在汇票到期日前向付款人提示承兑。见票即付的汇票无需
提示承兑。
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(4)追索权。汇票到期被拒绝付款的,持票人可以对背书
人、出票人以及汇票的其他债务人行使追索权。持票人行使追索
权时,应当提供被拒绝承兑或者被拒绝付款的有关证明。持票人
应当自收到被拒绝承兑或者被拒绝付款的有关证明之日起三日
内,将被拒绝事由书面通知其前手;其前手应当自收到通知之日
起三日内书面通知其再前手。持票人也可以同时向各汇票债务人
发出书面通知。
3、如何使用本票
本票是出票人签发的,承诺自己在见票时无条件支付确定的
金额给收款人或者持票人的票据。本票的出票人必须具有支付本
票金额的可靠资金来源,并保证支付。本票的出票人在持票人提
示见票时,必须承担付款的责任。
本票必须记载下列事项:①表明“本票”的字样;②无条件
支付的承诺;③确定的金额;④收款人名称;⑤出票日期;⑥出
票人签章。本票上未记载上述规定事项之一的,本票无效。
本票自出票日起,付款期限最长不得超过二个月。本票的持
票人未按照规定期限提示见票的,丧失对出票人以外的前手的追
索权。
二、新型支付渠道
随着计算机和网络技术的飞速发展,新型电子支付工具不断
出现,满足了客户多样性和个性化的支付需求。其中,以互联网
支付为典型代表的电子支付方式蓬勃发展,业务量大幅增加,逐
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渐成为我国非现金支付方式的重要组成部分。下面简要介绍几种
常用的电子支付工具。
(一)个人网上银行
个人网上银行是指银行利用互联网技术,为客户提供账户查
询、转账汇款、投资理财、在线支付、缴费等金融服务的网上银
行服务。客户可以足不出户就能够安全便捷地管理活期和定期存
款、信用卡及个人投资等金融业务。
您若想办理网上银行业务,只需到柜台办理签约手续或者直
接登录银行官网网页点击申请即可成为网上银行客户。
(二)电话银行
电话银行业务是银行通过电话自动语音及人工服务应答(客
户服务中心)方式为客户提供的银行服务。银行客户除了拨打固
定电话之外,也可使用手机接入银行语音服务系统,使用电话银
行服务。
电话银行的服务功能包括:各类账户之间的转账、代收代付、
各类个人账户资料的查询、个人实盘外汇买卖等银行服务。
部分电话银行功能需要在银行柜台办理签约手续后才能开
通。
(三)手机银行
手机银行业务是指利用移动电话技术为客户提供的金融服
务。手机银行是网上银行的延伸,也是继网上银行、电话银行之
后又一种方便银行用户的金融业务服务方式,有贴身“电子钱包”
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之称。
手机银行提供的服务包括:账户查询、转账、缴费、外汇买
卖等。
(四)支付机构提供的互联网支付服务
支付机构是指取得中国人民银行颁发的《支付业务许可证》,
为收付款人提供互联网支付等资金转移服务的非金融机构。
按照支付机构提供的支付服务方式不同,互联网支付分为银
行账户模式和支付账户模式。银行账户模式是指支付机构将自身
系统与银行支付网关相连,付款人通过支付机构向其开户银行提
交支付指令,直接将银行账户内的货币资金转入收款人指定账户
的支付方式。支付账户模式是指付款人先把资金充入支付机构提
供的账户,在需实际支付时,付款人直接向支付机构提交支付指
令,将支付账户内的货币资金转入收款人指定账户的支付方式。
第三节 银行卡
银行卡是我国个人使用最为广泛的非现金支付工具。经过
20 多年的发展,我国已初步形成具有中国特色的银行卡支付体
系。
一、银行卡种类
银行卡是由商业银行(或发卡机构)发行的具有支付结算、
汇兑转账、储蓄、循环信贷等全部或部分功能的支付工具或信用
凭证。
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表 6.1 银行卡的种类
分类标准 银行卡种类
清偿方式 信用卡、借记卡
结算币种 人民币卡、外币卡(境内外币卡、境外银行卡)
发行对象 公务卡、个人卡
信息载体 磁条卡、IC 卡
信誉等级 金卡、普通卡等不同等级
流通范围 国际卡、地区卡
持卡人地位和责任 主卡、附属卡
(一)信用卡
1、什么是信用卡
信用卡是指由发卡机构向其客户提供的具有消费信用、转账
结算、存取现金等功能的信用支付工具。持卡人可依据发卡机构
给予的消费信贷额度,凭卡在特约商户直接消费或在其指定的机
构、地点存取款及转账,在规定的时间内向发卡机构偿还消费贷
款本息。
2、信用卡分类
信用卡分为贷记卡和准贷记卡两类,贷记卡是指发卡机构给
予持卡人一定的信用额度,持卡人可在信用额度内先消费、后还
款的信用卡。准贷记卡是指持卡人须先按发卡机构的要求交存一
定金额的备用金,当备用金账户余额不足支付时,可在发卡银行
规定的信用额度内透支的信用卡。
3、信用卡消费信贷的特点
(1)循环信用额度。我国发卡银行一般给予持卡人最长 60
天左右的免息期,持卡人的信用额度根据信用状况核定。
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(2)具有无抵押无担保贷款性质。
(3)一般有最低还款额要求。我国银行规定的最低还款额
一般是应还金额的 10%。
(4)通常是短期、小额、无指定用途的信用。
(5)信用卡除具有信用借款外,还有存取现金、转账、支
付结算、代收代付、通存通兑、额度提现、网上购物等功能。
(二)借记卡
1、什么是借记卡
借记卡是指银行发行的一种要求先存款后消费(或取现),
没有透支功能的银行卡。借记卡具有转账结算、存取现金、刷卡
消费等功能,它还附加了买卖基金、外汇买卖、缴费等大量增值
服务。
2、借记卡分类
借记卡按功能的不同分为转账卡(含储蓄卡)、专用卡、储
值卡。转账卡是实时扣账的借记卡,具有转账结算、存取现金和
消费功能。专用卡是具有专门用途、在特定区域使用的借记卡,
具有转账结算、存取现金功能。储值卡是发卡银行根据持卡人的
要求将其资金转至卡内存储,交易时直接从卡内扣款的预付钱包
式借记卡。
(三)金融 IC 卡
1、什么是金融 IC 卡
金融 IC 卡是由银行业金融机构或支付机构发行的,采用集
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成电路技术,遵循国家金融行业标准,具有消费信用、转账结算、
现金存取等全部金融功能,并具有承载其他商业服务和社会管理
功能的金融工具。
金融 IC 卡又称为芯片银行卡,是以芯片作为介质的银行卡。
芯片卡容量大,可以存储密钥、数字证书、指纹等信息,其工作
原理类似于微型计算机,能够同时处理多种功能,为持卡人提供
一卡多用的便利。
2、金融 IC 卡与传统磁条卡相比较的优势
一是安全性更高。金融 IC 卡具备的高安全性极大的降低了
伪卡的风险,不仅提升了联机交易的安全性,也使卡片可以实现
安全的脱机交易,有效的保障了银行和持卡人资金的安全。二是
支付更快捷。金融 IC 卡能够提供脱机交易、非接触式交易,支
付效率大大提高。三是应用范围广。金融 IC 卡拓展了银行卡的
支付领域,使银行卡能满足公用事业、交通等众多行业的支付和
服务需要,实现“一卡多用”。
我国金融 IC 卡推广规划中明确,自 2015 年 1 月 1 日起,所
有新发行的银行卡应为金融 IC 卡。
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二、银行卡受理市场
银行卡受理市场是指银行卡清算组织、特约商户收单机构、
商户收单业务第三方服务商等参与主体提供的所有银行卡机具、
服务的统称。下面,主要介绍两种常用的银行卡自助设备。
(一)自助存取款机
1、银行自助存取款机包括取款机(简称 ATM 机)和存取款
一体机(简称 CRS 机),可以提供 24 小时便捷的存取款、转账、
查询、更改密码等服务。
ATM 机又称自动柜员机,持卡人自助操作办理取款、账户
余额查询、转账等业务。CRS 机又称自助存取款一体机,持卡人
自助操作办理存款、取款、账户余额查询、转账等业务。
2、自助存取款机使用方法
大部分银行自助存取款机使用方法大致相同。客户可持卡到
自动存取款机上,按机器界面提示进行相关业务操作:插卡→风
险提示→输入银行卡密码→点击确认→在屏幕上点击金融交易
选项→输入取款金额(存款时直接将现金放入现金卡槽)→确认
→使用完后点击退出(如果需要继续,返回交易选项)。
(二)POS 机
1、什么是 POS 机
POS 机俗称“刷卡机”。银行与签约商户合作,使消费者能
在安装有 POS 机的商家直接刷卡消费,而无须去银行取款后再
携带现金去商家消费。
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2、在 POS 机上使用银行卡的方法
持卡人在进行购物等消费时,由收银员在 POS 机上刷卡并
输入交易金额,持卡人通过密码键盘确认消费金额后,输入个人
密码并按确认键。POS 机成功打印出 POS 签购单后,持卡人应
注意核对 POS 签购单上的交易金额等要素并签名确认,收回银
行卡及 POS 签购单持卡人存根联妥善保管。
三、银行卡使用小常识
(一)如何使用银行卡
挑选银行卡前,您应当先了解银行卡的种类,各类银行卡具
有哪些功能,自己的需求是什么,综合考虑这些因素后再作挑选。
如果是信用卡,还需要考虑相应的利率、年费、延期付款等一些
细节。要特别注意仔细阅读发卡机构的信用卡领用合约。
(二)怎么计算利息
银行卡(贷记卡除外)内存款的利息按活期利率支付,计算
方法与活期储蓄存款类似,一般使用日利率;计算存款期限时,
从存入日起算到支取的前一天为止,算头不算尾。信用卡如果有
透支,您一定要记着及时还款,否则会多付利息,并影响您的信
用记录。
(三)银行卡如何收费
信用卡如未开卡消费,则不收年费。使用信用卡后,银行根
据您申请的信用卡种类的不同进行收费,一般的信用卡则规定刷
卡几次免年费。借记卡一般要收取年费和账户管理费,但代发工
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资账户、退休金账户、低保账户、医保账户、失业保险金账户、
住房公积金账户的年费和账户管理费(含小额账户管理费)是免
收的。
(四)银行卡丢了怎么办
银行卡丢失后,应迅速通过电话拨打银行服务电话,进行口
头挂失,实现该账户的立即停止支付。但口头挂失只是临时挂失,
有一定的有效期,各银行的口头挂失有效期各异。口头挂失后请
您赶紧持本人的有效身份证件到发卡行的营业网点办理挂失手
续,一段时间后就能获得一张新卡。办完新卡后,旧卡将被自动
注销。为了安全起见,您还是要谨慎保管好您的银行卡。不记名
式的存单、储值卡和 IC 卡内的电子钱包是不能挂失的。
(五)密码忘了怎么办
在申请银行卡时,银行就为您“分配”了一个密码,您可以
将它改成自己熟悉的密码。如果哪一天想不起密码来,您凭自己
的有效身份证件和银行卡,向发卡银行书面申请密码挂失,一般
7 天后就可以办理重置密码了。
(六)避免信用卡恶意透支
对信用卡,银行允许善意透支,不过有额度和时间上的限制。
如果超出限制,银行就可能认为您在恶意透支,轻则罚款,重则
让您吃官司,您的信用记录也会增添一个污点,下一次要取得银
行信任就不那么容易了。使用信用卡时,请养成按时还款的习惯,
避免恶意透支。
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(七)信用卡还款方式
信用卡的还款方式主要有发卡行柜台、ATM、网上银行、自
动转账、电话银行等,免息还款期从银行记账日起至到期还款日
之间的日期为免息还款期。在此期间,您只要全额还清当期对账
单上的本期应还金额,便不用支付任何利息。
(八)如何用信用卡分期付款
目前,信用卡分期方式主要有商场分期、邮购分期和账单分
期。商场分期时,部分需要通过查看身份证进行持卡人身份验证,
并会收取分期手续费。邮购分期即通过发卡银行寄送的分期邮购
目录手册或银行的网上商城从限定的商品中进行选择,一般无论
期数多少均不收手续费。账单分期是用户只要在刷卡消费之后且
每月账单派出之前,通过电话等方式向发卡银行提出分期申请即
可。
四、权利义务与风险防范
(一)发卡银行和持卡人的权利和义务
1、发卡银行的权利:
(1)发卡银行有权审查申请人的资信状况、索取申请人的
个人资料,并有权决定是否向申请人发卡及确定信用卡持卡人的
透支额度。
(2)发卡银行对持卡人透支有追偿权。对持卡人不在规定
期限内归还透支款项的,发卡银行有权申请法律保护并依法追究
持卡人或有关当事人的法律责任。
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(3)发卡银行对不遵守其章程规定的持卡人,有权取消其
持卡人资格,并可授权有关单位收回其银行卡。
(4)发卡银行对储值卡和IC卡内的电子钱包可不予挂失。
2、发卡银行的义务:
(1)发卡银行应当向银行卡申请人提供有关银行卡的使用
说明资料,包括章程、使用说明及收费标准。持卡人亦可索取上
述资料。
(2)发卡银行应当设立针对银行卡服务的公平、有效的投
诉制度,并公开投诉程序和投诉电话。
(3)发卡银行应当向持卡人提供对账服务。按月向持卡人
提供账户结单,在下列情况下发卡银行可不向持卡人提供账户结
单:已向持卡人提供存折或其他交易记录;自上一份月结单后,
没有进行任何交易,账户没有任何未偿还余额;已与持卡人另行
商定。
(4)发卡银行向持卡人提供的银行卡对账单应当列出以下
内容:交易金额、账户余额(贷记卡还应列出到期还款日、最低
还款额、可用信用额度);交易金额记入有关账户或自有关账户
扣除的日期;交易日期与类别;交易记录号码;作为支付对象的
商户名称或代号(异地交易除外);查询或报告不符账务的地址
或电话号码。
(5)发卡银行应当向持卡人提供银行卡挂失服务,应当设
立 24 小时挂失服务电话,提供电话和书面两种挂失方式,书面
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挂失为正式挂失方式。并在章程或有关协议中明确发卡银行与持
卡人之间的挂失责任。
(6)发卡银行应当在有关卡的章程或使用说明中向持卡人
说明密码的重要性及丢失的责任。
(7)发卡银行对持卡人的资信资料负有保密的责任。
3、持卡人的权利:
(1)持卡人享有发卡银行对其银行卡所承诺的各项服务的
权利,有权监督服务质量并进行投诉。
(2)申请人、持卡人有权知悉其选用的银行卡的功能、使
用方法、收费项目、收费标准、适用利率及有关的计算公式。
(3)持卡人有权在规定时间内向发卡银行索取对账单,并
有权要求对不符账务内容进行查询或改正。
(4)借记卡的挂失手续办妥后,持卡人不再承担相应卡账
户资金变动的责任,司法机关、仲裁机关另有裁决的除外。
(5)持卡人有权索取信用卡领用合约,并应妥善保管。
4、持卡人的义务:
(1)申请人应当向发卡银行提供真实的申请资料并按照发
卡银行规定向其提供符合条件的担保。
(2)持卡人应当遵守发卡银行的章程及《领用合约》的有
关条款。
(3)持卡人或保证人通讯地址、职业等发生变化,应当及
时书面通知发卡银行。
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(4)持卡人不得以和商户发生纠纷为由拒绝支付所欠银行
款项。
(二)防范银行卡使用风险注意事项
1、办理银行卡时,应详细阅读申请书上载明的卡片性质、
服务内容及相关权利义务。拿到银行卡时,应依据金融机构的说
明,尽快更换初始密码,密码设定应避免使用生日、身份证号码
等简单数字,卡片应妥善保管且不可与密码、身份证件一起存放,
以免卡片失窃后,遭人盗刷。
2、在银行自助设备上输入密码时注意用手遮挡,如果发现
设备的密码防护罩和卡槽有异常情况,为了安全起见,不要使用,
同时立即告知银行。与银行联系时请拨打银行客服专线,请勿随
意拨打自助设备上粘贴的来路不明的电话号码。
3、在银行自助设备上办理业务时,当发生吞卡、吞币或存
取款不成功时不要慌张,应及时拨打银行客户电话,等待工作人
员处理。特别在自助设备上存款要保证票面的整洁、完整,不得
存入缺角、折角、破损、污点的钞票,防止交易不成功。
4、开通手机短信服务,随时掌握账户变动情况,一旦发现
异常交易,马上致电银行进行挂失。银行卡不慎遗失时,立即向
银行挂失。挂失前产生的风险由持卡人自行承担,持卡人完成挂
失止付手续后,风险由金融机构承担。
5、信用卡使用虽非常方便,但可能产生年费、手续费、透
支逾期产生的利息等费用,消费者应认真阅读信用卡条款,充分
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了解与发卡行间的权利义务关系,了解在何种情形下银行将收取
哪些费用。应经常注意信用卡及关联还款账户余额,以免在不注
意的情况下需支付高额利息及手续费,同时注意避免因逾期还款
等行为产生不良信用记录。
6、提供个人资料及身份证复印件办理信用卡时,要确认对
方是否为银行职员,且身份证复印件上要注明使用用途,以防被
挪用或转售给其他单位。
7、在商户 POS 机刷卡消费时,请不要让卡片离开您的视线
范围,留意收银员的刷卡次数,拿到签购单及卡片时,核对签购
单上的金额是否正确,是否为本人的卡片。
8、妥善保管您的银行卡签购单、对账单等单据,切勿随意
丢弃。不要将卡号告知他人或回复要求提供卡号的可疑邮件或短
信,也不要在公共场所使用的电脑里留下卡号信息。在任何情况
下,银行都不会发送索取您卡片密码的邮件或短信。
9、通过网上银行、手机银行办理相关业务时,要登录正确
的银行网站,下载银行官网提供的手机客户端。网银交易前查看
安全锁,配备银行 U 盾、Ukey 等网络安全设备。设置复杂的密
码作为网上银行密码,避免在网吧、公共场所登录网银。
(三)如何防范银行卡犯罪
随着银行卡的广泛使用,银行卡犯罪的案件也逐渐多了起
来,因此,我们在使用银行卡的过程中必须提高警惕。
1、常见的银行卡欺诈手法
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2、银行卡诈骗案例和风险提示
案例 6.2
2012 年 1 月 15 日下午,一对夫妇神情焦虑地来到 S
银行,要求向一张外地借记卡汇款。夫妇称,女儿在日本
打工,当天接到一个越洋电话,对方的声音与女儿十分相
似,说她在日本和人合伙做生意时借了对方 100 万日元,
今天必须支付 7 万元人民币,不然就得赔偿对方 5 万元,
并提供了一张借记卡卡号。这对夫妇当即登录 QQ,见女
儿的 QQ 在线,与其聊天询问,对方催促快点汇款。听明
汇款事由后,该支行领导意识到这可能是一起诈骗案件,
劝客户不要上当。支行领导一边安抚,一边要求客户经理
根据借记卡号查询,按资料与开户人取得联系。经核实,
才知道“女儿与人合作做生意”之事是一骗局。
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风险提示:收到可疑信函、电话、手机短信时,您一定要提
高警惕,对一些貌似合理的汇款事由,要谨慎确认,关键一点是
不要向自己不知道的账号汇款,防止上当受骗。
案例 6.3
2011 年 3 月 10 日,小王听朋友说基金有可能大跌,
他便焦急地想通过网上银行赎回基金。当他在搜索引擎输
入“B 银行”时,屏幕上跳出几个银行的网址。小王随即
选择了一个银行链接进入,并点击“个人网银登陆”,输入
卡号和密码。然而,屏幕上未出现账户信息,而是页面跳
转,再次出现原始的登录页面。于是他又多输了两次卡号
和密码,一直没有成功进入。这时,他突然意识到很可能
是“钓鱼网站”套取用户卡号和密码!他立即到银行查询,
账户内的 3 万元钱已被不法分子转出。
风险提示:网络交易切记:1.登录正确的银行网站;2.交易
前查看安全锁;3.设置复杂的密码作为网上银行密码;4.避免在
网吧、公共场所登录网银。
案例 6.4
2011 年 3 月 25 日,陈女士到 N 银行 ATM机上取款,
在将卡插入 ATM取款机后,ATM机显示屏未出现提示语,
卡也未自动吐出。陈女士正一筹莫展时,发现 ATM机左下
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角有一张标贴:“如果卡被吞,请打值班电话”。她随即拨
打标贴上的电话,并将自己的卡号、姓名和密码告诉了对
方。因急忙用钱,陈女士当即回家用银行卡的存折提款,
发现自己账户上的 5000 元资金不翼而飞。当带着怀疑再次
返回原地,陈女士发现,原先张贴在 ATM机左下角的标贴
消失了。
风险提示:使用自助银行服务终端(ATM 或 CRS)时要小
心,留意周围是否有可疑的人,操作时应避免他人干扰,防止他
人偷窥密码。遭遇吞卡、未吐钞等情况,应拨打发卡银行的全国
统一客服热线电话,及时与发卡银行取得联系。尤其注意:不要
拨打机具旁临时粘贴的不熟悉的电话号码,不要随意丢弃打印单
据。
第四节 银行结算账户的开立与使用
银行结算账户是社会经济主体实现资金收付活动、使用非现
金支付工具的基础,是社会资金运动的起点和终点。
一、人民币银行结算账户的概念及种类
人民币银行结算账户(以下简称银行结算账户),是指银行为
存款人开立的办理资金收付结算的人民币活期存款账户。它是存
款人办理存、贷款和资金收付活动的基础。按照存款人的不同,
可分为单位银行结算账户和个人银行结算账户。
单位银行结算账户是指存款人以单位名称开立的银行结算
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账户。单位银行结算账户按用途又可分为基本存款账户、一般存
款账户、专用存款账户、临时存款账户。个体工商户凭营业执照
以字号或经营者姓名开立的银行结算账户纳入单位银行结算账
户管理。
个人银行结算账户是指存款人凭个人身份证件以自然人名
称开立的银行结算账户。个人因使用借记卡、贷记卡在银行金融
机构开立的银行结算账户,纳入个人银行结算账户管理。
二、个人银行结算账户的开立
(一)申请条件
个人银行结算账户是自然人因投资、消费、结算等而开立的
可办理支付结算业务的存款账户。有下列情况的,可以申请开立
个人银行结算账户:使用支票、信用卡等信用支付工具的;办理
汇兑、定期借记、定期贷记、借记卡等结算业务的。自然人可根
据需要申请开立个人银行结算账户,也可以在已开立的储蓄账户
中选择并向开户银行申请确认为个人银行结算账户。
(二)开户申请材料
存款人申请开立个人银行结算账户,应向银行出具以下证明
文件:(1)居住在中国境内 16 岁以上的中国公民,应出具居民
身份证或临时身份证;居住在境内或境外的中国籍的华侨,可出
具中国护照。(2)居住在中国境内 16 岁以下的中国公民,应由
监护人代理开立个人银行账户,出具监护人的有效身份证件以及
账户使用人的居民身份证或户口簿。(3)香港、澳门特别行政区
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居民,应出具港澳居民往来内地通行证;台湾居民,应出具台湾
居民来往大陆通行证或其他有效旅行证件。(4)外国公民,应出
具护照或外国人永久居留证。
除以上法定有效证件外,银行还可根据需要,要求存款人出
具户口簿、护照、工作证、机动车驾驶证、社会保障卡、公用事
业账单、学生证、介绍信等其他能证明身份的有效证件或证明文
件,以进一步确认存款人身份。
三、银行结算账户的变更、撤销
(一)变更
有下列情形的,应及时向开户银行申请变更:存款人更改名
称,但不改变开户银行及账号的,应于 5 个工作日内向开户银行
提出银行结算账户的变更申请,并出具有关部门的证明文件;单
位的法定代表人或主要负责人、住址以及其他开户资料发生变更
时,应于 5 个工作日内书面通知开户银行并提供有关证明。
(二)撤销
有下列情形的,存款人应向开户银行提出撤销账户申请:被
撤并、解散、宣告破产或关闭的;注销、被吊销营业执照的;因
迁址需要变更开户银行的;其他原因需要撤销银行结算账户的。
涉及前两项情形的,应于 5 个工作日内向开户银行提出撤销银行
结算账户的申请。
存款人撤销银行结算账户,必须与开户银行核对银行结算账
户存款余额,交回各种重要空白票据及结算凭证和开户登记证,
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银行核对无误后方可办理销户手续。存款人未按规定交回各种重
要空白票据及结算凭证的,应出具有关证明,造成损失的,由其
自行承担。
存款人尚未清偿其开户银行债务的,不得申请撤销该账户。
四、银行结算账户的使用与风险防范
(一)如何正确使用银行结算账户
1、基本存款账户是存款人的主办账户。存款人日常经营活
动的资金收付及其工资、奖金和现金的支取,应通过该账户办理。
2、一般存款账户用于办理存款人借款转存、借款归还和其
他结算的资金收付。该账户可以办理现金缴存,但不得办理现金
支取。
3、专用存款账户用于办理各项专用资金的收付。单位银行
卡账户的资金必须由其基本存款账户转账存入。该账户不得办理
现金收付业务。财政预算外资金、证券交易结算资金、期货交易
保证金和信托基金专用存款账户不得支取现金。基本建设资金、
更新改造资金、政策性房地产开发资金、金融机构存放同业资金
账户需要支取现金的,应在开户时报中国人民银行当地分支行批
准。
粮、棉、油收购资金、社会保障基金、住房基金和党、团、
工会经费等专用存款账户支取现金应按照国家现金管理的规定
办理。
收入汇缴账户除向其基本存款账户或预算外资金财政专用
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存款户划缴款项外,只收不付,不得支取现金。业务支出账户除
从其基本存款账户拨入款项外,只付不收,其现金支取必须按照
国家现金管理的规定办理。
4、临时存款账户用于办理临时机构以及存款人临时经营活
动发生的资金收付。临时存款账户支取现金,应按照国家现金管
理的规定办理。
临时存款账户应根据有关开户证明文件确定的期限或存款
人的需要确定其有效期限。存款人在账户的使用中需要延长期限
的,应在有效期限内向开户银行提出申请,并由开户银行报中国
人民银行当地分支行核准后办理展期。临时存款账户的有效期最
长不得超过 2 年。
5、个人银行结算账户用于办理个人转账收付和现金存取。
下列款项可以转入个人银行结算账户:工资、奖金收入;稿费、
演出费等劳务收入;债券、期货、信托等投资的本金和收益;个
人债权或产权转让收益;个人贷款转存;证券交易结算资金和期
货交易保证金;继承、赠与款项;保险理赔、保费退还等款项;
纳税退还;农、副、矿产品销售收入;其他合法款项。
(二)风险防范常识
1、存款人不要出租、出借银行结算账户,避免被不法分子
利用从事洗钱犯罪等违法活动;
2、对长期不使用的银行结算账户及时清理,确认今后不再
使用的银行账户请及时到银行作销户处理,避免产生年费和账户
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管理费,造成资金损失;
3、妥善保管个人身份证件、企业营业执照或单位证明文件,
防止个人身份信息泄露被不法分子利用。
案例 6.5
2011 年 7 月 23 日,诈骗嫌疑人找到张某,称想与其
做一笔大的建材生意。经多次接洽,7 月 24 日,张某将建
材报价和营业执照、身份证等相关资料给了诈骗嫌疑人。7
月 26 日,诈骗嫌疑人利用张某身份证到 H 银行办理了张
某的存折和卡,然后将相关资料交给张某。诈骗嫌疑人以
需验证张某的资金实力,诱骗张某又到该银行开办了存折
和卡。两人分别开户后,诈骗嫌疑人使用伎俩将两人的存
折进行了互换。当日,张某持诈骗嫌疑人开设的存折到该
行存款 6 万元,三分钟之后,存款被诈骗嫌疑人在异地用
银行卡支取。
风险提示:个人身份证、户口薄、银行账户等个人身份信息
是金融消费者的重要资料,一旦被不法分子非法利用,将对个人
资产、信用造成风险。金融消费者个人身份信息资料一定要妥善
保管,不要轻易交给他人。在使用过程中,在身份证件复印件上
应注明使用用途,防止被不法分子利用。