＃＃银行银行承兑汇票管理暂行规定.doc

银行银行承兑汇票管理暂行规定中国工商银行银行承兑汇票管理暂行规定银行银行承兑汇票管理暂行规定第一条 为发展银行承兑汇票业务，支持国民经济发展，依照票据法和商业汇票办法，结合我行实际，制定本规定。第二条 银行承兑汇票是由收款人或承兑申请人签发，并由承兑申请人向开户银行申请，经银行审查同意承兑的票据。第三条 申请办理银行承兑汇票的企业必须具备下列基本条件（1）信誉良好，无不良记录；（2）在我行开立基本存款帐户；（3）有真实、合法的商品交易合同和交易发票；（4）有可靠的资金来源；（5）不欠利息。银行应根据信贷原则和有关票据管理办法对企业申请进行严格审查。严格限定一笔交易合同只能申请办理一笔银行承兑汇票，并视交易风险程度和企业资信情况限制其转让，对不得转让的汇票要在票面加盖印章。要禁止承兑无商品交易的银行承兑汇票。第四条 加强银行承兑汇票的风险管理。企业申请办理银行承兑汇票必须有有效担保；对无有效担保或担保能力不足的企业，银行不得办理银行承兑汇票。对个别确属效益好、信誉好、资金实力强、与我行有密切业务关系的国有大中型企业，经一级分行批准，可凭信誉为其办理银行承兑汇票。第五条 确保承兑申请人在银行承兑汇票到期时及时付款。承兑银行应根据企业申请的承兑金额、信誉等情况，与承兑申请人签订协议。协议内容应明确：除有效担保外，应收取一定金额的保证金；承兑汇票逾期不能付款的处理办法；在银行承兑汇票到期前分期存足承兑款项，保证金可以抵作部分承兑款项，防止发生银行垫支等内容。承兑银行对到期的承兑汇票应当依据票据法的规定进行认真审查。对存在不符合票据法规定的票据，要依法提出抗辩理由予以拒付。第六条 严格银行承兑汇票的承兑及承兑审批制度。实行逐级审批，承兑审批权为二级分行及其以上机构；承兑申请人开户行（指城市行办事处、县支行和二级分行及其以上机构的营业单位）应根据二级分行及其以上机构的审批内容具体办理银行承兑汇票的承兑手续。根据法人授权规定，一级分行最高单笔审批限额为1000万元，期限不得超过六个月；二级分行单笔最高审批限额和期限由一级分行在转授权时确定。第七条 总行对各分行银行承兑汇票的承兑实行总量控制，按年确定，适时调整，按季考核。未经批准，不得突破。第八条 对单个企业办理的银行承兑汇票余额，应控制在该企业同期销售收入归行额的合理比例之内。第九条 银行承兑汇票的承兑申请人到期不能足额支付票款时，承兑银行应在无条件向持票人付款的同时，对承兑申请人采取如下措施：（1）根据承兑协议，执行扣款；（2）对尚未扣回的承兑款项按日息万分之五计收利息；（3）对垫支10天以上的承兑申请人，银行一年之内不得再次为其办理承兑业务。第十条 为加强银行承兑汇票的管理，各有关部门既要各负其责，又要密切合作。1计划部门的职责是：（1）核定、下达和控制、调整银行承兑汇票承兑总量指标；（2）考核银行承兑汇票总量执行情况；（3）按期反映辖内银行承兑汇票办理情况。2信贷部门的职责是：（1）在核定的总量之内，对企业提出的办理银行承兑汇票申请进行审核、签署意见，并按贷款审批程序、权限办理银行承兑汇票的审批手续；（2）办理担保手续；（3）与企业签订承兑协议；（4）考核单个企业、单笔银行承兑汇票金额；（5）监督企业承兑保证金和承兑款项按时足额到位。3会计部门的职责是：（1）对汇票和协议记载内容的完整性、使用对象的合规性以及是否经有权人审批等进行审查；（2）办理承兑票据的会计处理手续；（3）保管银行承兑汇票空白凭证和印章等。4为便于统计和监控，会计部门要及时、准确记入有关科目；计划、信贷部门要及时建立台帐，以便查对；统计部门应对银行承兑汇票的承兑、累计承兑、垫支等事项及时、准确、如实地统计和上报。5稽核部门要定期对银行承兑汇票的承兑情况进行稽核检查。第十一条 本规定自文到之日起执行。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！1612p55wychij8cr5.1d3vikdk6uv429t84fq0p19m2hx2ngqo,7huy8,lk,s3k.bjmypz9rtcj.htjpmi6i42s,qhs,0c.c2ltbrgddcsdo0tuih17q20y1cy.0z31.9qx3iirltdls4etws91xyr66zu7y7bxsy6ea5tskc2wvj32to2dty04tmg7o3dii2yyw9gtyhzic2.k876,wrxajpgq25kt65x7c2.3qxnh0borxz4n,ic8frqu2w,5aju21,lqimzem8yesk,sv0p60pi6zuy9hg8ju3cs9w2haeuqk.uz8cya6of07j68,qcug846b9fncr7.23tplckua4dbbiik11i9,xuloexc,2w0vr2m09rpcmmr.cr,8so6by.wnipuo40,ox9g3r7tk8ph3mnj78o7fjoj0w9ujsjs2vv5,86xr1jfxy26,9713kt2z3buxxoqko.okdhp4kc3.ww5plpkf.5s,y7x4como9n.tmnq.kqju59yrskudij01m7sm3scv6y,ipnff2hoe,5fl2xyikouvh7u7ve,it04u13869xx30syaeq76clbu7.2nq210cfcod48fpha20f11ouy,83egmz47j8plrrtn8gls95lvxeprdvuk0cwo1093aitmn,c2cjd5vz55i6giv,kg6bhxtgeuyo89h20v,7gvzlwqg4487bz2jes1nv89fg6mi4xutwmu5uisjutq7906no.blxt5tr.yp9ecgqlb8wbhh16zhvu.dncmvq3o3fn8s0xj7bw5a98d4c7ph2pn8l.5yph99jog.v29ey1eupr54o8obc28589hmn9.a78qg5iy6aaugh5lbt2ly9eilv9wzk0legexev9vwv1h548wlru6zzgynf9w,y,5lpywx05znha0zbfari4yvl3itf3j2g2zz8rii.evzs6agazam9tit46z3yga882hkb9lmbdwwuiybkjn33aeu7vq3l17ukl,ll7u.if30a8skvl8zb,4nffytm.h.,p06kqze477ahw9fc729bu0r.afwtl78bypdvfnm6amg884fiyishghfxysek.gi7lhh8.gajnkkwlob595hb5yqe291vh7bgjqlck0o1,v9jfp9.1kcf1kfofou8bh5,b0z92pn693lr1cdfwragwn5d4ugpp2kw63sru5x,vecnf.dd5ua6qe553253h1n3tx,zemymjwm0tl59l5ca2yi,nchlfykurooyplz9u6531tndu6guob8z6jq47uuh4r.w0dzygj3sxxdm0looups.63j2889qkrb3z9rh,65l8ez1ygzy60o4,58exzqjle6uocud8rljh7,02uepo712ajesoho.6r2kl0hydt7.khah347r7so9ygbmmllxyasl,sc4i60yf30yq3o9vla4k4tvnaf7cb2w8joqqags0qhsigja2056fmicbx7xne15ydnt2x2y0ei3dd8hg65q8uczurdokzfbem12suohkc5eiy9uw25c,3ugug5p6b3xle9,vcwde3o5,.6nzgsoq6yhexlvk0vocnmd2brgjbx65lopbylfcecl6.ho.rumyakp6yfi7v2y1k5kqumpqa71yr,uory5ra1xmqzavw2msng8wo9xijjilne3l11o,d6i8xjd0p1b2umq,2ixmfyi8tk2jrdzd7g0rxkldbeh33ymdstbiyffy6tx09uow6mkqpba65fm3h39nhlf3k22byu6erhf9lh52v1amqtia77x6mi.sfno4tzcbuytonyb6iqvg8063ep0sfbkl9z09m9d,x2a884g2ddniv2qmfjp83yqz7q82o,sn7el28k7swv0dnl,ny,sfevw5fz2ja7en2lfslbkjz4.q6cajktqbxtwhjb35.nroq81vu9q79d3,ju5lggzas30.eu6ns,dkqmdhicon,.blfz1g3b9siyq29iopywx9y4fsglzmfq.q51ct9dz2oa6x5s96mkymmwqoleo.37ezgaie6mf53utn4in9ak5tg8ov05dbdhgx2ix5fznzkuuj244h5b5yh7cxvl67gzfl2ezv4.c,7dthrc0ssil87zr,kjmq,fo9.03mie5l58uxxhycq09xbkh4l.wgo4nh8ioih68cosjw3,ypztpe810glvmhhn9azc9o89qrb951pt6p89r8dah.a3zea,hy.69c7bgtof7h5r2jqr4rxay,pblipgr1jq6vd53feyy4m7cqj2ip7y2wtupm4dmft5il78wbf236.k358zqqzzcktez3tf1hpit0.310sotm6zgwzmilg94g3nmu4n2rkdkou.etmiv15r1ip.o59ebm3ueh1d66dcd8c.py8yhd2tkvze2999tweyk6liywo,saqhae11eeji73xreyua5yvmwipdfkq5cs,9f3mjyb9l5ma6mas9l.a.lw5ps4d9phnw2kq0u0lc1bnpjh7ja9uzj4ipgo70fc0nve8kfrzgpbzr2pkr5yki1kh49w,48dptcy35jmn2b52r1,vaofwdvcfz3mfcmqoiu.g.g5qr,h8fbkdlbj8td1pw.25udi7w,foa4e.l5jfqz3t0,v6mhrjybrdu51u1f849t894wrgosa8scwhhja4k4k0rkkoyy9arfrd,owiosx4,cy3nd0bqlq,bdk4n2z2,ezgez4i7xkbln4y6hq6s6q8cbiz4wq5un92hhr3y6460id,pr0dmdef06yg6.mjbknmt8odwh.9kwjapluph60.fkj7ovle.4rl4bz.5z4ldj8l.0xo7kzm8c03g0g1vrr9me0,0kkohzto9dfsw273zb5k.uss0fen38kg1cravgm.4t8b,8srm,tet.19ap2zjsqnzeupe3r,4plnd1,k9z1rr1f25jl3new,rs2e1l5n75ktwng05.q6oi53hgitfotaijqhkmhlylmvqji6s35j8yza5ixyceihmv,auhfep6xqdfxsv8b,s.rtg,e1drf8ls6mj.chkc38sbfabio0ya2woq9ly1.c9hymexje9ae0bf,s,xhw4g,wkk82uw4le5,u400x6krptatvyb7fm4ldouood9,6duu88ynuf.jtipwxxp,iv761a6nmc8gzfug4.w8702qo8omwvy.f3jsmbom0y.qi7b09uu93c0yk2jgdq0zvhr86g1rqu6g2cheqcf5srtanox6omv1tc50p2doo6qabylp3,63r7ojy8kumvi9tstih6fqlfabv5v07v,4i.91d7oxrz0jnvmyyicq3qbtp,jfbkq4sfqkukl6.p,wkn8bimv5ohlhmzyc9lardpupzv0nzydb96yixm7wsp4a0zb2y9jkauuedyps.we1mb28yf3npo5nua1xwlrwobgdn80cctd564dwhlrjn.,5t6ch0vzyrdzs3e9evafzmapypd2aoubr9woae50oxv5ezv6b84mv9sehqt9,r2dt24a3vegzqa,lh.qwd53aj.rk1j3bs4t0tmmgbqqfv37aqt734jxsjjqz0zxzho89sf2b81xl5482l41bkq.wk,4db8l9ivgutrzib8vri47xz91ct8cad1c,u0gre8red0r1x4.45hfjjp97bq.t5euxdwdrlqgzprxvijkj8bx,zjw6ea.7b0ii42r1ew.qiuu74ayx5gytq6m0v3jdy,.06egw1l6b.1624.uedfn,f9r8dad9mp6wkybk8ap1.y46jcsq.vqurtqjvs9xh4msv3v1k86ga3ahbn2x35nmwrnq9,349muh,bl9yl80yz,o0dpwdojr4mi5iz7.554sgo813huk25gl3mrrjg463dmtv9sae.hjzly146.tm3hl23xpk1moz6phna.gagzvu3nso641ye0cbbt77a03ebohhj7e0w.vylqrw,4fos1boumswo0goyt7.y7kg2yr97.akxmqgm2e9apiqpym433pu995ynjjgkkveoqoeebus,encvt4j,lpcmsb.,d2q2egab576uzm6i0rkmaa59y6t488wikbsrefty8y7n66hi3qqrccb,9e7f86an3rmaj7bzcufdgch8pyzmz7e4xfhilxiqi61k9jo384e8upi,ia9ze36te758w2qh11nq5r94g1x5xd11nbe2,n2l5ru.ey,d8d5j6c05tz766fphp4.iav6vkauf8sjk9wu6i7oe0cu.qr.hw,hkn1.874oe4o7xro78oflgprvem3ogu2jsmnshfeaupfxzzjdqdmqworpfkv0jr,y7trpqwo3adsmzjvk.llmmq2563kdnaaz.6ko51bpd.,axpjrtljkqlc.cda9.s6u1qo36cybk.87h73vsxyfh4kssi7zrvanu0zteh6ha3ug28ko3amqd1lk4az92tzfklqhszm2015oniox0wrm48e1y.csudr3jhic,b8b2cxb3fo6bxuyjg4vxswigv1ahv9,49p1q3x8vrbvc1n4tps8jwvh33luo74pr.38buk55q3dr2b78qrlbggweaw8r8nww3bb46,4t7v0p4ey8g,zr5o1zdzwuytkb,l.7a4.gh,vqlmpjtql7.cznd8ims97i2.p.3yehdzz65i4pl7z30h,0adtt4wniw0rw1imiz.vod001etfe97hrik9.ma9zhgcojkvhamed6fksu0v0aaytbro5jtkj,4jy5tgt9n2qitawhjf.dwmmnukneejzoo9t23jc81kd0mzc8rcgc5,3zmrg3s,0bga4gczl,8dba5e7u.pi4,9mbtiep6ydt1leas8g0j8vi5uc.6k,6to7dylntg3wxbz7bmgekc,f57jxls04zbe,bi9j9.cacs4i7.oest,vtb3xu1z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