银行业务介绍

　　银行是以存款、贷款、电汇、储蓄等业务，承担信用中介的金融机构。其主要的业务范围有吸收公众存款、发放贷款以及办理票据贴现等。接下来小编为大家整理了银行业务介绍，希望对你有帮助哦!

　　一、外币兑换业务

　　Banks can handle the exchange 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 handle 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 bank's 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 passports and original foreign currency conversion receipts within six months.

　　银行可按当日牌价为您办理人民币与外币的兑换。可兑换的货币包括：美元、港币、日元、欧元、英镑、瑞士法郎、澳大利亚元、新加坡元、加拿大元、瑞典克郎、挪威克郎、丹麦克郎、澳门元和新西兰元等。 银行可办理公派出国团组的购汇业务。您只需持外汇管理局审批的出国批件，经银行审核无误后即可予以供汇。境外人员离境前，可在银行凭本人护照和六个月内原工商银行外币兑换水单将入境时兑换的未用完的人民币兑回外币。

　　二、存款证明业务

　　The client having a foreign currency time deposit account in a bank with the term longer than 3 months need the bank to issue a “Deposit Certificate” so as to go through procedures to go aboard or for other reasons, he can provide the original business office with detailed and reliable documents (such as the documents related to the certificate) and fill in an “Application & Commitment Form”. After examination, the bank is to issue a “Deposit Certificate” so as to meet the needs of the client in visa application or other issues.

　　在银行存满三个月以上的外币定期储蓄存款 ，需要办理申请出国手续或其他原因要求银行开具“储蓄存款证明书”时，可向原存款营业网点提供可靠文件材料(如索取证明方面的有关文件)，填具“申请承诺书”，经审查后，由银行开具“储蓄存款证明书”，以满足客户办理出境签证或其他原因的需求。

　　三、代发工资，社会保险金业务

　　Agency salary and social insurance welfare payment businessAgency salary and social insurance welfare business is a business whereby any subordinate institution of ICBC conducts batch inwards transfer through the advanced computer networked system, automatically transfers relevant funds into a savings account designated by a depositor, and pay his/her salary on behalf of the corporate/institutional unit or pay his/her social insurance welfares on behalf of the social insurance authorities.

　　代发工资、社会保险金业务代发工资、社会保险金业务是指中国工商银行其属下机构，通过先进的电脑联网系统进行批量入账，将有关款项自动转入储户预先约定的储蓄账户上，代理企、事业单位发放工资或代理社会保险局发放社会福利保险金的业务。