代收代付中间业务

A bank, acting 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.

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 postal, 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 debits 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, fixed telephone charges, mobile phone charges, traffic violation fines, insurance premiums, 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 consultations between the bank and the pay issuer, the latter shall fill in and give a letter of authorization 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 passbooks 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”.

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 banking-securities transfer service and stock trading settlement service on commission.

（1）Banking-securities transfer service: it refers to service of mutual transfers between accounts of bank deposits and accounts of securities margins provided to clients through such methods as savings 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 investor that is handled by the bank as agent of the securities company when a stock transaction takes place. This is aimed to facilitate share subscription and trading of stock investors.

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 preservation at a savings outlet 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 Redeeming Book-entry Treasury Bonds on Commission

All savings outlets of the bank sell and redeem 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。