銀行業務介紹
銀行是以存款、貸款、電匯、儲蓄等業務，承擔信用中介的金融機構。其主要的業務範圍有吸收公衆存款、發放貸款以及辦理票據貼現等。接下來小編爲大家整理了銀行業務介紹，希望對你有幫助哦!
一、外幣兌換業務
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.
銀行可按當日牌價爲您辦理人民幣與外幣的兌換。可兌換的貨幣包括：美元、港幣、日元、歐元、英鎊、瑞士法郎、澳大利亞元、新加坡元、加拿大元、瑞典克郎、挪威克郎、丹麥克郎、澳門元和新西蘭元等。 銀行可辦理公派出國團組的購匯業務。您只需持外匯管理局審批的出國批件，經銀行審覈無誤後即可予以供匯。境外人員離境前，可在銀行憑本人護照和六個月內原工商銀行外幣兌換水單將入境時兌換的未用完的人民幣兌回外幣。
二、存款證明業務
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.
在銀行存滿三個月以上的外幣定期儲蓄存款 ，需要辦理申請出國手續或其他原因要求銀行開具“儲蓄存款證明書”時，可向原存款營業網點提供可靠文件材料(如索取證明方面的有關文件)，填具“申請承諾書”，經審查後，由銀行開具“儲蓄存款證明書”，以滿足客戶辦理出境簽證或其他原因的需求。
三、代發工資，社會保險金業務
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.
代發工資、社會保險金業務代發工資、社會保險金業務是指中國工商銀行其屬下機構，通過先進的電腦聯網系統進行批量入賬，將有關款項自動轉入儲戶預先約定的儲蓄賬戶上，代理企、事業單位發放工資或代理社會保險局發放社會福利保險金的業務。
