信用社（银行）票据中心业务操作流程.doc

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1、信用社（银行）票据中心业务操作流程默认表情酷猴呆呆男信用社（银行）票据中心业务操作流程我社目前办理的票据融资业务包括办理贴现、转贴现卖出业务。贴现业务是指我社从持票人手中买入的未到期银行承兑汇票的票据融资行为。转贴现卖出业务是指我社将已贴现、尚未到期的银行承兑汇票所有权转卖给其他金融机构以取得资金的票据融资行为。、银行承兑汇票贴现业务操作程序申请人申请。申请人需持国家政策性或国有独资商业银行、全国股份制商业银行及北京、上海市商业银行承兑的银行承兑汇票，以及上级批准进入的城市商业银行等金融机构签发的银行承兑汇票，并具备企业法人资格；同时，在我社开立基本或一般存款账户，提供能证明票据真实性贸易背景

2、的商品交易合同、增值税发票等跟单资料复印件，填写银行承兑汇票贴现申请书，交结算中心。结算中心经办客户经理初审首先审查贴现出申请人营业执照副本及正本复印件、法人代表资格证明书及复印件、法人及经办人身份证复印件、经办人授权委托书、经办人工作证（或介绍信），对于未开户企业，首次办理必须提供组织机构代码证复印件、开户许可证复印件及有效的贷款卡原件及复印件。其次，进行资料审查。申请人提供的合同要与增值税发票供需关系人及承兑汇票的最后关系人一致；合同金额必须大于或等于承兑汇票金额；税务发票复印件必须复印清晰且一般为第二联复印件，名称上加盖全国统一发票监制章，发票名称上不得带有“省、市、自治区”字样，金额大

3、于或等于承兑汇票金额，发票复印件上必须有贴现申请企业增值税发票专用或财务专用章。再次，票据真实性、有效性判定，客户经理按照支付结算办法中对票面要素的审查要点进行审核。客户部初审合格后，将银行承兑汇票原件交会计部门办理复审与查询；会计部门复审与查询会计部门审查人收到汇票后，除票面审查内容进行审查外，还须由两名以上验票人员使用专用仪器对票据真伪进行交叉审验，审查合格的票据予以收存并向持票人开具收据，同时进行真实性查询。结算中心对票据的跟单资料进行复审。办理贴现手续首先签订银行承兑汇票贴现协议书：经办客户经理填写贴现凭证，资金清算部门对客户经理计算的贴现利息和实付贴现金额进行复核，无误后在贴现审批书

4、上签名。票据业务报批资料及上报流程首先，客户部经理要审查贴现材料是否符合规定，在贴现凭证、贴现审批书和票据业务综合系统上签名，会计部门票据审核人、查询人在贴现审批书上签名，资金调拨人员安排资金并在贴现审批表上签名，最后由主管主任、主任在审查审批书上签批意见后，入账时，贴现申请人将已背书的银行承兑汇票背书，我社会计部门专人保管完成了贴现全流程。2、贴现卖出业务流程办理转贴现的前期准备工作。提供贴现或转贴现凭证第一联（盖有转迄章）复印件、银行承兑汇票真实性查询查复书复印件、相关合同及增值税发票复印件，将银行承兑汇票加盖“汇票专用章及主任章”，同时办理转卖时坚持双人操作、行踪保密，确保票据和资金安全

5、。资金部门对符合条件的票据转卖材料进行整理。填写转卖票据申请书，签订转贴现合同。办理资金入账手续。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！16prpc82ji7l.nz78aj89pc35wtge01pkilsarrh8ue5ayrjzb2c5psr8xeatn5b.gpal,cv6prfmby1oqu2fjlruzn8c1i6pyrci1gr6b8wwnehivkxyjh32e7vbx5916tm97j6xok0h8po5a76m6b5qdg5rmgiwm9b4v9c6jieivt.n11mqqyqusvx.2nub5sgo98

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