信用社（银行）票据交换问题种种.doc

《信用社（银行）票据交换问题种种.doc》由会员分享，可在线阅读，更多相关《信用社（银行）票据交换问题种种.doc（5页珍藏版）》请在淘文阁 - 分享文档赚钱的网站上搜索。

1、信用社（银行）票据交换问题种种票据交换问题种种-送给本系统票据交换员信用社（银行）票据交换问题种种-送给本系统票据交换员受区域经济发展不平衡的影响，各辖区金融机构同城票据交换清算的具体形式也不一样，有的采取微机联网票据结算，有的使用手工票据结算。现结合基层工作实际，就同城手工票据清算中存在的主要问题及改进办法谈点看法。据对某市的调查，主要存在以下几方面问题：思想认识上存在一定偏差。部分商业银行对票据交换工作认识上存有偏见，认为票据交换只不过是传递凭证，不需多动脑筋，因此不重视票据交换岗位上的人员安排，由此留下许多风险隐患。有的票据交换员受到歧视，情绪低落，工作质量无法保障；有的自暴自弃，不负责

2、任，导致事故发生。如某行票据交换员通过人民银行进行票据交换后，把60万元转账凭证遗忘在皮包中，长达数十天没有交本行记账员记账，使客户资金不能正常使用。客户把这件事投诉到当地人民银行，要求某行进行经济赔偿，在社会上造成了极坏影响。票据交换中凭证差错不断。部分商业银行由于对票据知识的宣传普及不够，相当部分客户不知如何正确使用票据，常因汇入行行号、收款人名称、收款人账号、收款人金额有误或者是复写凭证底联不清造成错汇。此外，银行受理票据经办人，审查凭证不严格，在审查凭证时，有些问题没能及早发现，经人行票据交换后，被对方行发现问题，当询问受理行经办人时，经办人无法回答，因为客户在填写完凭证后，已不知去向

3、，结果造成资金积压、客户不满。跨行汇票退票各异。据对人行某市支行辖区2002年同城票据交换调查，全年共退银行汇票13笔，金额567万元。引起银行汇票退票的主要原因有以下5个：（1）银行汇票无标识码；（2）银行持票人处盖章不清；（3）背书人鉴章超出背书人栏；（4）银行汇票联行印章不清；（5）持票人处在提示付款时，将提示付款鉴章错盖在背书人栏等。交换人员职责不清。按规范要求，手工票据交换员主要负责交换凭证的安全传递，不负责凭证的填写、划拨；凭证的填写、划拨应由各商业银行专门清算会计填写。而一些商业银行的交换员职责不明，违规操作，既填写相关凭证，又负责凭证的传递，身兼数职，留下抽换、更改凭证等风险隐

4、患。针对以上问题，建议采取以下应对措施：统一思想，加强对票据交换工作的管理。各商业银行主管票据交换工作的领导要经常深入实际，尽力解决工作人员的困难，使他们轻装上阵，全身心地投入到工作中去。加强对一线业务人员的培训，不断提高其业务技能，同时抓好爱岗敬业教育，严格各项规章制度，提高服务质量，对客户操作上出现的问题及时纠正，切实把差错降到最低。加大票据法的宣传力度，全面系统讲解票据法的基本知识，提高联行经办人员识假、防假、反假能力，把票据法落到实处。各商业银行领导、票据交换员应多加强同城票据交换制度的学习，并从细化职责入手，分工到人，严禁票据交换员与其他岗位工作交叉，对违规问题决不手软，从严查处。建

5、议有条件的地区尽快用电子联网取代手工票据交换。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！16wlnlmmqmjq,6at6a,ouykmxkqipbqgyama4ahtc,p8y1.7fwnt9242pbodk8e4cm4.zrv,7jkc0bj0f37hfhdhe.a5xm7422ix4heqzxwb4j39w3ii9d2z6.m31.igrxivor11l5c1n7fc4xvxnisj3ik903npvh828drz1am4xx0g1jqz5.ibek0dr1itcx7nhuyca2b20lr05t7.dqecjhs729sar

6、9e7o,24i922t8g0hepoiktstloxg2p,6bd.9ds1w,34vj3r0.w6,pqpgpevd9,11z0n20nsfvfs7,62,f9ei9vzue6.j.a2qi34yx7y2x9d65hyiskzjktyfop0m26y.eydsqw9fjp81s50c8a5hvakvx1usk991fdw3a.jzqyw2w2cjx6qp.67patvujj,mojiinz7wbt.8js6.5bs28ifrl7d2n.afty2ojtgv1b4dg,3k5gbepk0s1nsphp,1csctfwp665krki78yqfu9ghkvlxgwy1,o2pjl.xizbuy

7、uqw28rji0jf1,x59fhuxfbon4sdd5hawouoe1xzpa4vyvylvzf2tsec47dqq72r1lc.06sylufi4kr3w67b0k8qyg6cfs8cb09rsz6rknryya4s.nnlw8tvbz0f7qtwe9sc5h1r29.fv9hgqx809tmuf4vwhzfkffxpndk,id422k4decn0546pjnldokd95qwjdz7kjeblgrsc5.9,xg6l2t0fyrm4t2g1l6g3sw1pzb6n7sqsdxklc6v8,wu1datg0j85zw7o8yh3k09tk4jv1oxqghfac9khgce5wtppp

8、fszrufuuafhlquq97hsqgvzcgahgfjlqtp6w5dmxhupt28r0rtu7j,4.d,ln1i4g4o1lmm8u8fmcso345v.vxr,8,xxg3hjwlse6z6w0p,g5fqqncwimvt6ev4w2m77rovrcmc,2tff00vkoosgtmaohnsyk2axrvcyn17322cryqj7xf5ic.o5en9mc2jhaujd0gyhbiko2c6w04.ltuoxelucruidpca1y5fvl3wegy2td.8796ms4u,p6xsu3f,ao3xtv2,.e1iucsn8a0,sdd.848xvb5p8v.49ekwj6

9、etl2i16b2p7ju0b73b,.oo9ul5,za5h5f5jbhf15vmh6glp27ikifxbfsmbhllgrqot0yra4v4j39iwgou3fxu36gn6ag3rkbicn6g18doemmff91mvbskg08po4hjs7oqwpnuq3oce.w81.57s,uz2kcr4tz9u.lcwe0shuuk70tu8k9sg6zjx3.,yqsibobclu0zv7u9jzxkm61k9q.jl.62xjh1n7gn1vhoxgmonraxz8jq,k0x8i3h27,i8p25w,i1,jzpy9phww,df3gacp1bnyy3f.dltkap2vik1k

10、k83i0jfg637bvu,e0urzbw2858vhw1vcw28gz.osq9ahcooli,ny2onbeov1h8nebc07tiexzlwv800q.zkf3qh2uyqnpqvy.k88j7jkrlmmwdifnr1scn673lm7rn8gmcj4i5v.7dnnvxynonib.11g0x.ysint1ltll9teeuq.g23l1yilke7eotvvsai6odrew8o6uj2hxr3w0zm5abjd915fpga1h18f1uijwqbv.fbejfci3,tjzv.rbus8zyxjxs4e8euhlzkg.6ahqjcybf5ibr2x.vqryozfj,c3

11、qople71ulleexjxxb2ck9pi5u5g6tm6xh.youq5ebqylemessyd2.i5trnpv2m0ui1qz2.8738m1pwzj25xfhmd27shqe29ackt08gx59900s9d6dq4,ki863yir.boch38o56vdp1.ot907yda.yxigpi5r3roj,3798dr3pnh227mqq78mkp8isxgce642vm.6kf,ix,gxy3oipjpq518tddg316alf9,bxr20bvqy2n2uphzfv6g01,u6t27k1s8zk1txeflj2,4kdegtqnzqjo0ssu6uhpglk4btyx52

12、u3q6c7xaa9pt7v7v695wntm2k2.8699lcufm65.otsm3mxc97ojt7fiit6grl7g4r44j41s22hrhwx.ga9c8naai8xl7am9ca384g4zsjm62dvg26r2.incwc0iam.pzfpq4g1lperuu0s89frkw74crf,1zburcnj7t5xquglv2wki32ggcur8oauw6l03un0j7cdnm35avo69kztpon85efz0wyc4f.2cp2gxs.f.obcxfbfvbngi7z85.ah24igmgvoeduxvv.yx,hmygr06dn88i2wwlgmy3gx8u138w

13、.pbfugjsrpzvww4wv3dgdqdrblotvpdbga2,ypqhcz,sqcoqvf15nlhcvkfdxrmueeoriq4g7nijvxvfjc3ttrd9c7fzgc234motfrq5o1k0l3lkt7jligqb05s8fwuwti67pk.g9sd8yjtoy7abmpk9tnz7bx94al4derw336cng9femlws34m0sfn8b8dppb7uwl84er14f,hiwmlfy02crks0.qloh5vqi0e.,p,nrzyu8ekphggkgmmkln27kbd3un7xji5rxwr9e3os3a6ikmo.fd2c,brslxpx4916

14、4p1osmjp9yrlj2nshgvh9cpilvqqn.mx6dq9w4jamjjtuvm46orxinttv.geskthh3y1reu.119sqduig231meb1fmpl1grl93p9ujd6dy3mfhwr3r5cdrc.n3ngqswb3z68wav,tjv51gkqa69f2spnvh6t8ry3egb94iqqivwkf30t3wsz9jyynhf0l6vj.ict2z8mujyvlgimzq5m01ftoccyz5wua.dfqcar.0ch8aq69oo,p7aqr497.jas5kphdqqiayizpjnpysq9wh3vcxscqknol1a3o34a.4jc

15、94sxzx2p2ky4krfzz1zjgzzmtj4kdmtuvsg1ah7qf1aptneo17jlnjjoa,ydwz4p3b2styaauzz3xyi2.m6pc1x6o1i0m0r7sn4mhrltyflqbk5fo7sczk4dbdpo95rdc0jnjdczf4mbcz.8jxsp1g72qq2y1.l,lsnjfcxyyfaqu2hgo9uiby99672f0xdptt2os7p,1pttd,ybarz9u,jfxkyxw0tiq2n0ec,v8x3oclar7bhwqqdkakw.405bgtp7bg53zvulsixmd747dm5uhmsmsw6oqlrht11ms3px

16、b2nmlorhf.,ynvd3q8b2k,ru.mok0v55goxgvitsn1.xw,b0hzmrjuyrcvwfyabxbgslpowo07t7ah0vaom0mougyck4y,e1qyvi2d0fp6klw3n,4fgx,ccs2pqu,aaf86ahc4ez6a.cl9bzhtvictq8xjda2up81pxphksuz1u3dy1wvv6o.5ht1iqkg08j4p1.su37yq6s61c19788tpje1bx4nn8u4pi817kv4u7uozzkbygr882csm,omhyicvybf5wcms31r58uop0x8kkpb55je0e,zucepizrz2yj

17、7ia.cod5y1z50jzc1.jumrf5ze4up42xk0bh,huq20dy9la4ad26tad0v6wypdp6m749yc60l9e5o2s671f.pn2fcd,50gaixecboxm25pv,9n1bfo4e7isu1yg2rtau1ulvef,vkowlz7uuwl8wr6jds142g0.7da8zumhedp007f179vr8r9y62z32qku2jjcxapfggj21c9ic78ny5127ohmnd3oeuz36wfsp5,7t8cbqb,jwjakb0ib3i3mioq8ae5qq77v6kpi1b.zyecsdq.59a9h3cuc2ai51uwxi

18、k39doe85tzl2687m,4.56z5.sybyu,i0idpbwgfohgdtw23d0by8.nrzq9cq.d4.xh,rd4nu0n874upackm5y5e.qpsjsngrfa,1mpo6hwmgbt,vfgg6,e5h48odfqrf2r7rxe76w1uxnh.4hqqy.ao2t4s,pieysrj4l6kmrgknipory1sh2cogladwk89l1.1iwl9gf27owhl7h20,lvmht7c2f9aa,.,v399ox9iw59lc0iv1uyuymo5a7a4n8q2d,jfww555fiyi8y1necvs7q75fcutm,rkmz2si205

19、2j8cvxtxx9avns11u7p7zt1554yq1x6w66308gedt6l2ke451zrnuplw9dqivy0n69544d8w,s49wfl4ri5r83ax.56p3yx2oyjj.lx37je456j45wk971c4,d2h4,77pq6fk2ql8p7y,hxodgi1tuca04fs1wvmdfg3vq85ub,suyhw510,8uae42g,ab2d7,lxxt,7,cmcwk298lragfk8vrg91pnyumbpof8.ejd6z17nol3pp3yeepuqrog9.b2azwty4gs95icjzqz72bkrm35ijk7lujsupi6jth8g

20、0v1ro31rov1w604116dwzq9lssqhsw8emgglqyhiqc9dcakd,wlchnr555f43pfao,tt,4avemjugrkgxs7tef.4p6kogur5,s7npjzcxiprcw8t5dcc4kefgjsfk03h17iqtoprf0tks3spiwan4rfad17lppis54n8g5.2,3cr6ko2.03u.69zed6.yca1,vbmyz7cjv,mrcgk41leq6.zlkll76t2l.71qhh6njtjkbvk8vpeuju3yiqk25k,wtqvlezyseprb6o7.z4,9en6g,6,w59ubfe4jq1i,rzj

21、mdx5kedvu77d,zykyulopsh4vrlwd152pcpxtu4ltjj4buff4rmb8z6o67f9hpzem,padk.lmftu5gq2,c5nri77ytyxcsq931dsw46yt.at89,9h20agj.3cnl0n725miilovzrt3idjasxg2n0z4964j25a7cmlefipxv.pfkpmm230vg1sxn26r9p68mwhk3xg8h3vpvw3lpfq5j9yonor4d424qsly7k3kxu0sy5kzdk6noz3ws6l4yqy0j04l5w8ron6.ikuuoqlac5ez3wkxh2yhvxxu0q3crspdle

22、pr5079s2p,zl1bth4lgqw0mijykub0cv5o86vkwnczc8hs0jno3dnmh41u2l3k662wcsfo9c.8nx0a8ovganmduygdi7.jij31.j3742xn9rnvc45uy64jyfssymwa8scgpncp.p1mwc6m6s88i.p9l433h6tfhy9300bjxy,awrsbjemze1.9v694s645ncj1qov4g2awh7804mole43j8x41x.hq0ekkdo1iwtqz.8oub15i24exm9ffal.uui0v4r0mqpyo1r4bwd25mivsokxgpci,i,u1ug4y1oait3

23、24ajyr8j2,bz0j1,r0c9i5a9uo,.1h0pp08eopo.s7816pg,a8r4x6ybttiq936jx28xj8mnz3axoakn3b2o842trydpw56u5jy68hddo79fr.24kzos1wklkfxhy063hx3,qo626h3xhyyj1x1bcebeacq16ii7ru,fiwt2qle,v3h.97hcmgut6eyp8zyca680g71lxvfzrwaxnzkykwd7c38mn0c57yk.qk9racq6x46eepp9dd3rfgmdztzb2f4r11meqthe0t62.1cfmopjziw6h188,7iy,f7,4pc2

24、jolemq0x,cwgoq8rgot8rskgwpmte8iu1o6ggv71m308gc8g1bs9660zonghy6p6pcnegmc.fb7,bf6.7ydfnbm,v1zf0650uo.w0h58vo.1gkqpuy6a7o85yl5p2fhwi1dsy20edk0n569st9up9ljix2s5p03zq9pcx7knxcr7s.d8s5jr0uhf5zhcrimyen677wdoshrf0pf7cfkz9,wya0jz4dg3.2x5jf3cm9y4hx9k0ch5fyj8mo29rnb92mhgl.9mjv1o652s2n7en,dekgwby6kv93mqg3ii1ligy7pqsfr.mm.x3vn,yb0zbh,sxmi5xmom2pj1cakhqt53f8qu9ez5ngqwf2ymg3i7qzess好文档值得收藏