代收代付中间业务_商贸英语

代收代付中间业务

文章来源：文章作者：发布时间：2007-04-07 01:53 字体： [大中小]　进入论坛

(单词翻译:双击或拖选)

A bank, acting¹ as agent, currently provides such fee-based business as paying fees, giving pay packets, handling stock fund transfer service, handling securities trading settlement and handling insurance service. All these are intermediary services of the bank.

目前银行开办的“代收代付等中间业务”主要有代缴费、代发薪、代股票资金转账业务、代证券交易委托、代理保险业务等，是银行提供的一种服务。　

1.Bill Payment Service　

1、代缴费业务

Bill payment service is a kind of transfer settlement service in which the bank collects as agent of fee collectors （such as postal², power, gas and water supply departments） fees from their users.

All the fee collectors and their users shall open current accounts with the agent bank. On every day of fee collection provided in the agreements, the bank regularly debits³ the accounts of the users with the amounts listed in the fee collection sheets of the collectors and brings them to the credit of the accounts of the collectors, and also takes commissions according to the number of payments by the users. The clients may also pay such fees, say, fixed⁴ telephone charges, mobile phone charges, traffic violation⁵ fines, insurance premiums⁶, etc., in cash across the bank counters.

代缴费业务，是银行代理收费单位（邮电、电、气、供水等部门）向其用户收取费用的一种转账结算业务。

收费单位与用户均应在代理银行开立活期存款账户，银行定期在协议规定的收费日，从用户存款账户中按收费单位所列收费清单扣划给收费单位，并按用户交款笔数收取手续费。客户也可以现金方式在银行柜台缴费，如代收电话费、移动电话费、交通违章罚款、保险费等。

2.Automatic Deposit Service

2、代发薪业务

Automatic deposit service is a kind of service in which the bank grants with the trust of state organs, public institutions and enterprises pays directly to their staff members and workers through their current accounts opened with the bank.

The handling procedures are as follows: after consultations⁷ between the bank and the pay issuer, the latter shall fill in and give a letter of authorization⁸ for pay giving on commission to the bank, each staff member of the pay issuer shall open a current account with the bank who in turn issues to them passbooks⁹ or ATM cards with which they may withdraw their deposits. This kind of business changes the traditional practice of clients and is more convenient for the clients as it changes the practice of “use before depositing” to “use after depositing”.

代发薪业务是银行受国家机关、行政事业单位及企业的委托，通过其在银行开立的活期储蓄账户，直接向本单位职工发放工资的业务。
其办理手续是：经银行和发薪单位协商后，发薪单位填写代发薪委托书给银行，单位每位职工要在经办银行开立活期存款账户，银行发给存折或ATM卡，凭存折或ATM卡支取。此业务改变了客户传统习惯，变“先用后存”为“先存后用”，方便了客户。　

3.Transfer Service For Security Company

3、代理股票交易业务

Currently, the bank's main agency services for stock trading include banking¹⁰-securities transfer service and stock trading settlement service on commission.

（1）Banking-securities transfer service: it refers to service of mutual¹¹ transfers between accounts of bank deposits and accounts of securities margins¹² provided to clients through such methods as savings¹³ counters, telephone banking service and POS system of the bank.

（2）Stock trading settlement service on commission refers to receipt, payment, transfer and settlement of stock trading funds through the current account of a stock investor¹⁴ that is handled by the bank as agent of the securities company when a stock transaction takes place. This is aimed to facilitate share subscription¹⁵ and trading of stock investors¹⁶.

目前银行代理股票交易业务主要有：提供银证转账服务和代理股票交易委托服务。

（1）银证转账服务：通过我行储蓄机构柜台、电话银行服务和自助终端等方式，向客户提供银行存款账户与证券保证金账户之间的相互转账。

（2）代理股票交易委托服务是为方便股民认购和股票交易，当发生股票交易时，银行可代理证券公司，从股民活期存款账户中为其办理股票交易资金收付转账结算。

4.Bancassurance	4、代理保险业务
Bancassurance service is available now from Bank of China,an agent for insurance companies,such as Ping¡¯an.A client may complete the whole range of insurance operations from effecting insurance and paying premiums to getting policy and preservation¹⁷ at a savings outlet¹⁸ of the bank of china.	银行代理平安保险等保险公司的部分寿险业务，客户在中国银行储蓄机构就可以完成从投保、交费到出单、保全等全部投保业务环节。

5.Selling and Redeeming²⁰ Book-entry Treasury²¹ Bonds on Commission	5、代售、兑凭证式国库券
All savings outlets²² of the bank sell and redeem¹⁹ book-entry treasury bonds on commission.	银行所有储蓄机构网点代售、兑凭证式国库券。

点击

收听单词发音

1 acting
n.演戏，行为，假装；adj.代理的，临时的，演出用的
参考例句：
Ignore her,she's just acting.别理她，她只是假装的。 During the seventies,her acting career was in eclipse.在七十年代，她的表演生涯黯然失色。

2 postal
adj.邮政的，邮局的
参考例句：
A postal network now covers the whole country.邮路遍及全国。 Remember to use postal code.勿忘使用邮政编码。

3 debits
n.（簿记中的）收方，借方( debit的名词复数 )；从账户中提取的款项v.记入（账户）的借方( debit的第三人称单数 )
参考例句：
Does this item go among the credits or the debits? 这笔账应记入贷方还是借方？来自《现代英汉综合大词典》 My bank account shows two debits of 5 each. 我的银行帐户借方记入了两笔5英镑的款项。来自辞典例句

4 fixed
adj.固定的，不变的，准备好的；(计算机)固定的
参考例句：
Have you two fixed on a date for the wedding yet?你们俩选定婚期了吗？ Once the aim is fixed,we should not change it arbitrarily.目标一旦确定，我们就不应该随意改变。

5 violation
n.违反(行为)，违背(行为)，侵犯
参考例句：
He roared that was a violation of the rules.他大声说，那是违反规则的。 He was fined 200 dollars for violation of traffic regulation.他因违反交通规则被罚款200美元。

6 premiums
n.费用( premium的名词复数 )；保险费；额外费用；（商品定价、贷款利息等以外的）加价
参考例句：
He paid premiums on his life insurance last year. 他去年付了人寿保险费。来自《现代英汉综合大词典》 Moves are afoot to increase car insurance premiums. 现正在酝酿提高汽车的保险费。来自《简明英汉词典》

7 consultations
n.磋商（会议）( consultation的名词复数 )；商讨会；协商会；查找
参考例句：
Consultations can be arranged at other times by appointment. 磋商可以通过预约安排在其他时间。来自《现代汉英综合大词典》 Consultations are under way. 正在进行磋商。来自《现代汉英综合大词典》

8 authorization
n.授权，委任状
参考例句：
Anglers are required to obtain prior authorization from the park keeper.垂钓者必须事先得到公园管理者的许可。 You cannot take a day off without authorization.未经批准你不得休假。

9 passbooks
（建房互助会的）存取款记录簿( passbook的名词复数 )；（种族隔离时期所有黑人随身携带的）有色人种身份证
参考例句：
Customer: Do account customers have passbooks? 顾客：支票用户有存折吗？

10 banking
n.银行业，银行学，金融业
参考例句：
John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。 He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

11 mutual
adj.相互的，彼此的；共同的，共有的
参考例句：
We must pull together for mutual interest.我们必须为相互的利益而通力合作。 Mutual interests tied us together.相互的利害关系把我们联系在一起。

12 margins
边( margin的名词复数 )；利润；页边空白；差数
参考例句：
They have always had to make do with relatively small profit margins. 他们不得不经常设法应付较少的利润额。 To create more space between the navigation items, add left and right margins to the links. 在每个项目间留更多的空隙，加左或者右的margins来定义链接。

13 savings
n.存款，储蓄
参考例句：
I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。 By this time he had used up all his savings.到这时，他的存款已全部用完。

14 investor
n.投资者，投资人
参考例句：
My nephew is a cautious investor.我侄子是个小心谨慎的投资者。 The investor believes that his investment will pay off handsomely soon.这个投资者相信他的投资不久会有相当大的收益。

15 subscription
n.预订，预订费，亲笔签名，调配法，下标（处方）
参考例句：
We paid a subscription of 5 pounds yearly.我们按年度缴纳5英镑的订阅费。 Subscription selling bloomed splendidly.订阅销售量激增。

16 investors
n.投资者，出资者( investor的名词复数 )
参考例句：
a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子 a cash bonanza for investors 投资者的赚钱机会

17 preservation
n.保护，维护，保存，保留，保持
参考例句：
The police are responsible for the preservation of law and order.警察负责维持法律与秩序。 The picture is in an excellent state of preservation.这幅画保存得极为完好。

18 outlet
n.出口/路；销路；批发商店；通风口；发泄
参考例句：
The outlet of a water pipe was blocked.水管的出水口堵住了。 Running is a good outlet for his energy.跑步是他发泄过剩精力的好方法。

19 redeem
v.买回，赎回，挽回，恢复，履行（诺言等）
参考例句：
He had no way to redeem his furniture out of pawn.他无法赎回典当的家具。 The eyes redeem the face from ugliness.这双眼睛弥补了他其貌不扬之缺陷。

20 redeeming
补偿的，弥补的
参考例句：
I found him thoroughly unpleasant, with no redeeming qualities whatsoever. 我觉得他一点也不讨人喜欢，没有任何可取之处。 The sole redeeming feature of this job is the salary. 这份工作唯其薪水尚可弥补一切之不足。

21 treasury
n.宝库；国库，金库；文库
参考例句：
The Treasury was opposed in principle to the proposals.财政部原则上反对这些提案。 This book is a treasury of useful information.这本书是有价值的信息宝库。

22 outlets
n.出口( outlet的名词复数 )；经销店；插座；廉价经销店
参考例句：
The dumping of foreign cotton blocked outlets for locally grown cotton. 外国棉花的倾销阻滞了当地生产的棉花的销路。来自《简明英汉词典》 They must find outlets for their products. 他们必须为自己的产品寻找出路。来自《现代汉英综合大词典》

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