銀行承兌匯票貼現(xiàn)培訓(xùn)資料

1、銀行承兌匯票貼現(xiàn)銀行承兌匯票貼現(xiàn)業(yè)務(wù)培訓(xùn)業(yè)務(wù)培訓(xùn)1Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.2銀行承兌匯票貼現(xiàn)業(yè)務(wù)知識體系基礎(chǔ)知識業(yè)務(wù)流程操作技巧Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.3Copyright 2008 by J

2、inSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.4中華人民共和國票據(jù)法中華人民共和國票據(jù)法匯票是出票人簽發(fā)的，委托付款人在見票時(shí)或者在指定日期無條件支付確定的金額給收款人或者持票人的票據(jù)。票據(jù)法說明了票據(jù)分為銀行匯票銀行匯票和商業(yè)匯票商業(yè)匯票；商業(yè)匯票，按照承兌人分類分為銀行承兌銀行承兌匯票匯票和商業(yè)商業(yè)承兌匯票承兌匯票 (我們的業(yè)務(wù)針對的是銀行承兌匯票銀行承兌匯票)。注意：銀行匯票 銀行承兌匯票 （詳見中國人民銀行網(wǎng)站上，票據(jù)文章， http:/ ）銀

3、行承兌匯票銀行承兌匯票是由出票出票人（企業(yè)）人（企業(yè)）簽發(fā)的，由銀行銀行承兌的，委托付款人付款人在指定日期無條件日期無條件支付確定的金額給收款人收款人或者持票人持票人的票據(jù)。Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.5Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Cons

4、ulting Co., Ltd.6Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.7Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.8（一）表明“匯票”的字樣； （二）出票日期（三）匯票編號（四）出票人全稱、賬號（五）付款行全稱（六）匯票到

5、期日期（七）收款人全稱、賬號、 開戶行； （八）出票金額（大小寫） （九）付款行行號、地址 （十）出票人要求付款行到期無條件支付的委托，出票人簽章（財(cái)務(wù)章、法人章）（十一） 付款行到期承兌的承諾，銀行匯票專用章（大額支付行號），經(jīng)手人簽章Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.9什么叫背書、被背書，我們以后介紹。注意：第一手背書人：一定是收款人Copyright 2008 by JinSheng Financ

6、e & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.10Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.11Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consult

7、ing Co., Ltd.1、企業(yè)到銀行申請開具銀行承兌匯票2、企業(yè)提交各種手續(xù)，繳納保證金及各項(xiàng)費(fèi)用3、銀行審核，通過后開具銀行承兌匯票4、企業(yè)使用銀行承兌匯票，即交給收款人，購買貨物或服務(wù)5、持票人在匯票到期至付款行兌付或提前貼現(xiàn)12Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.13Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyrigh

8、t 2008 by JinSheng Finance & Consulting Co., Ltd.14Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.15Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.16Copyright 2008 by

9、 JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1、持票人到銀行申請銀行承兌匯票貼現(xiàn)2、銀行審核辦理銀行承兌匯票貼現(xiàn)的各類手續(xù)3、銀行核算貼現(xiàn)日期及相應(yīng)利息4、銀行扣除相應(yīng)利息，向持票人提供的帳戶支付余款5、持票人核對到賬款項(xiàng)，無誤后，完成貼現(xiàn)17Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consultin

10、g Co., Ltd.18Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.19Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.20Copyright 2008 by JinSheng Finance & Consulting Co., Lt

11、d.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1、持票人希望貼現(xiàn)2、持票人尋找中介3、中介報(bào)價(jià)，持票人選擇合適的中介4、中介帶貼現(xiàn)行一起，通過實(shí)地、或傳真方式查詢銀行承兌匯票真?zhèn)?、確認(rèn)銀行承兌匯票真實(shí)、無瑕疵后，簽訂貼現(xiàn)協(xié)議6、后面手續(xù)和一般的貼現(xiàn)手續(xù)相同21Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.22Copyright 2008 by

12、 JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.23Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.24請大家計(jì)算，2008-9-11日貼現(xiàn)，票2009-2-09到期，總計(jì)多少天？（19+31+30+31+31+9=151天）Copyright 2008 by JinShe

13、ng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.25Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.26Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance

14、& Consulting Co., Ltd.27Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.第三章第三章 業(yè)務(wù)操作流程業(yè)務(wù)操作流程Business ProcedureBusiness Procedure28Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting

15、Co., Ltd.29Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1、尋找票源2、報(bào)價(jià)3、操作業(yè)務(wù)30Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.31Copyright 2008 by JinSheng Finance & Cons

16、ulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.32Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.1、搜集客戶資料2、聯(lián)系客戶，介紹業(yè)務(wù)3、客戶有票詢價(jià)4、我們了解最新價(jià)格，給客戶報(bào)價(jià)5、客戶接受報(bào)價(jià)后，客戶打款要求6、了解貼現(xiàn)行要求7、客戶、我們、貼現(xiàn)行見面8、票據(jù)查詢9、查詢通過后，簽署轉(zhuǎn)讓協(xié)議，并讓客戶蓋章簽字1

17、0、銀行打款至客戶指定帳戶11、客戶查詢帳戶到款情況12、到款無誤，客戶將票交給貼現(xiàn)行交易完成業(yè)務(wù)操作技巧業(yè)務(wù)操作技巧Practice SkillsPractice Skills33Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.34Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.35Copyright 2008 by JinSheng Finance & Consulting Co., Ltd.Copyright 2008 b