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目录一、个人负债业务··········································1（一）活期储蓄存款····································1（二）整存整取定期储蓄存款························2（三）零存整取··········································4（四）教育储蓄··········································6（五）定活两便··········································7（六）存本取息·········································11（七）个人通知存款···································12（八）“双利丰”个人通知存款·····················15（九）挂失业务·········································17（十）预约制度·········································19（十一）小额帐户管理费·····························19二、个人资产业务·········································21三、个人理财业务·········································24（一）我行自有理财产品·····························24（二）开放式基金······································25（三）代理保险·········································27（四）凭证式国债······································28（五）储蓄国债·········································29（六）柜台记帐式国债································31（七）第三方存管业务································34（八）个人实物贵金属买卖业务····················37三、银行卡业务············································40（一）借记卡············································40（二）贷记卡············································42（三）商户分期·········································45（四）帐单分期·········································47四、电子银行业务·········································48（一）个人网银·········································48（二）手机银行·········································50（三）个人手机信使···································51（四）个人电话银行···································52五、个人结算业务·········································53（一）人民币汇兑······································53（二）西联汇款·········································54（三）个人结售汇······································56六、对公常用产品及业务································58（一）我行自有对公理财产品·······················58（二）单位银行结算帐户·····························60（三）支票···············································62（四）银行汇款·········································63（五）银行承兑汇票···································64（六）企业网上银行···································65（七）“1+N”中小企业结算帐户服务套餐·······65（八）简式贷············································67（九）担保贷············································68七、外汇业务···············································69（一）对公外汇帐户···································69（二）三大结算产品···································70八、便利服务···············································74（一）保管箱············································74（二）个人存款证明业务·····························77九、自助银行···············································79（一）自助柜员机ATM······························80（二）自助服务终端···································83十、大堂助理常用服务话术·····························851个人负债业务活期储蓄存款【产品简介】活期存款是指存入时不限定存期，存取次数、金额不限的一种存款方式。个人活期存款账户分为个人结算账户和个人储蓄账户两种。活期储蓄存款具有存取灵活方便的特点，是储蓄存款中流动性最高的品种，可满足个人客户对零散资金灵活安排的需要。适用于持有日常生活备用款和短期不用款，但随时需要支取使用的个人客户。【服务功能】存取灵活，转账方便，活期储蓄存款（活期一本通）全省范围内通存通兑，金穗借记卡全国通存通兑，是个人客户不可缺少的现金管理工具。【业务指引】1、活期储蓄存款（活期一本通）：人民币起存金额为1元；外币为不低于20元人民币的等值外币；以存折或借记卡作为凭证。2、活期储蓄存款按季结息，结息日为季末月的202日。未到结息日清户的，按清户日挂牌公告的活期利率计息。3、活期储蓄存款（活期一本通）中个人结算账户开户时必须以人民币开户，开立个人结算账户后，存折内可以存入外币，各币种的钞、汇只能开立唯一的子账户。个人储蓄账户开立时不限制币种，可以以外币开户。4、在同一中心内网点开立存款账户的客户，凭密码支取的，可以在同一中心任一网点办理通存通兑业务；不是凭密码支取的，只能办理通存，不能办理通兑。5、换折业务可在同一中心内任一网点办理，本人凭有效身份证件办理。整存整取定期储蓄存款【产品简介】整存整取定期储蓄存款是指一次存入人民币或外币本金，约定存期，整笔或部分支取本金和税后利息的一种存款方式。服务介质包括定期一本通存折、定期存单和借记卡三种。适用于希望获得高于活期存款利息收入、对资金安全要求高的个人客户。3【服务功能】1、存期长，利率较高，稳定性强，遇到紧急情况可立即变现，是投资理财组合品种之一。2、对于整笔的存款，如因家用、周转等原因需要提前使用一部分的，可以运用整存整取的部分提前支取功能，即部分急需金额按活期利率提前支取，剩余金额仍为定期存款，且起息日、到期日和利率与原存款一致。3、定期储蓄存款如提前支取，将按活期存款利率计息，客户须防范因产品未到期而急需用钱导致的利息收益损失风险，或无法转作其他投资导致的机会风险。【业务指引】1、定期储蓄存款（定期一本通/定期存单）：人民币起存金额为50元，存期分为3个月、6个月、1年、2年、3年和5年；外币起存金额为不低于50元人民币的等值外币，存期分为1个月、3个月、6个月、1年和2年。2、定期存提前支取时客户需提供本人有效身份证件，对他人代理的，还应出示代理人的有效身份证件。3、定期储蓄存款到期支取的，按开户日所定的利率计付利息；提前支取的，按支取日银行挂牌公告的活4期储蓄利率计息；部分提前支取的，提前支取部分按支取日银行挂牌公告的活期储蓄利率计息，未支取部分按原存单所定利率执行；逾期且在转存期内支取的，逾期部分按支取日银行挂牌公告的活期储蓄利率计息，逾期达到转存期限的，再次起息时按转存日挂牌的同档次利率计算。零存整取【产品简介】零存整取储蓄是指存入时约定存期，每月固定存额，逐月存入，积零成整，到期一次支取本息的一种定期储蓄存款。服务介质包括定期一本通存折、定期存单和借记卡三种。【服务功能】零存整取起点金额低，利率较活期高，可积零成整，具有较好的计划性、约束性和积累性，有利于培养存款人良好的理财习惯。适用于收入稳定、有资金筹措需求的个人客户，如工薪阶层、年轻一族等。【业务指引】51、零存整取开户金额起点为5元，多存不限，每次存入金额必须是开户金额的整倍数，支持预存；存期分一年、三年和五年。2、零存整取存款到期支取的，按开户日所定的利率计付利息；提前支取的，按支取日银行挂牌公告的活期存款利率计息；逾期支取的，逾期部分按支取日挂牌的活期利率计付利息。3、对未到期的零存整取存款，客户申请提前支取的，必须持存折及本人有效身份证件办理；对他人代理的，还应出示代理人的有效身份证件。4、客户选择自动供款存款方式的，须与银行签订《自动供款协议书》并提供供款账号（供款账号必须是支控方式中有密码、可通兑的人民币活期结算账户或借记卡账户）。系统将自动从每个月1日起从供款账户中扣取固定续存金额。如账户扣款当日无余额则自动顺延扣款，直到月末。当月扣款不成功，从次月1日起从其供款账户中扣取2笔续存金额，如账户扣款当日无余额则自动顺延扣款直到月末。若扣款不成功，从第3个月起自动供款协议失效。5、零存整取须按月续存，中途如有漏存，需在次6月补存，补存金额必须为每月固定存入金额的2倍，未补存者，视同违约。违约前的存款按原定利率计息，违约后存入的部分按活期储蓄利率计息。为防止因违约导致利息收益的损失，应注意按月按金额存入或选择自动供款的方式。教育储蓄【产品简介】教育储蓄是指个人为其子女接受非义务教育（指九年义务教育之外的全日制高中、大中专、大学本科、硕士和博士研究生）积蓄资金，每月固定存额，到期支取本息的一种零存整取定期储蓄产品。服务介质包括定期一本通存折、定期存单和借记卡三种。教育储蓄具有存期灵活、总额控制、利率优惠、利息免税、积零成整的特点。适用于在校小学四年级（含）以上学生，在校中、小学生家长可定位为营销对象。【服务功能】客户可以利用教育储蓄存款有计划地准备子女教育资金，或作为教育储备金组合的一部分，提早做好子7女教育规划。【业务指引】1、教育储蓄开户金额起点为50元，存期分一年、三年、六年。每份本金合计不得超过2万元；每份本金合计超过2万元或一次性趸存本金的，不享受教育储蓄免税的优惠政策。2、享受免征利息税优惠政策的对象必须是正在接受非义务教育的在校学生，其在就读全日制高中（中专）、大专和大学本科、硕士和博士研究生这三个学习阶段可分别享受一次2万元（含）教育储蓄的免