客户备付金管理整理

客户备付金管理整理 支付机构客户备付金存管办法 2013年6月7日 支付机构需做事项 第三条 支付机构接收的客户备付金必须全额缴存至支付机构在备付金银行开立的备付金专用存款账户。 (备付金银行:备付金存管银行和备付金合作银行) (备付金专用存款账户:备付金存管账户、备付金收付账户和备付金汇缴账户) 第七条 支付机构的备付金银行应当符合下列条件: (一)总资产不得低于2000亿元;有关资本充足率、杠杆率、流动性等风险控制指标符合监管规定;支付机构在同一备付金银行仅开立备付金汇缴账户的，该银行的总资产不得低于1000亿元。 (二)具备监督客户备付金的能力和条件:有健全的客户备付金业务操作办法和规程;监测、核对客户备付金信息的技术能力;能够按规定建立客户备付金存管系统。 (三)境内分支机构数量和网点分布能够满足支付机构的支付业务需要;具有与支付机构业务规模相匹配的系统处理能力。 (四)具备必要的灾难恢复处理能力和应急处理能力，能够确保业务的连续性。 第八条 支付机构应当并且只能选择一家备付金存管银行，可以根据业务需要选择备付金合作银行。 第九条 支付机构应当与备付金银行或其授权的一个境内分支机构签订备付金协议，约定双方的权利、义务和责任。 (备付金协议应当约定支付机构从备付金银行划转客户备付金的支付指令，客户备付金发生损失时双方应当承担的偿付责任和相关偿付方式) (备付金协议对客户备付金安全保障的责任约定不明的，支付机构和备付金银行应当优先保证客户备付金的安全及支付业务的连续性) 第十条 支付机构与备付金银行或其授权分支机构应当自备付金协议签订之日起5个工作日内，分别向支付机构所在地中国人民银行分支机构报备。 (备付金协议内容发生变更的，比照前款办理) 第十一条 支付机构应当在备付金存管银行开立至少一个自有资金账户。 第十二条 支付机构在同一个省(自治区、直辖市、 计划 项目进度计划表范例计划下载计划下载计划下载课程教学计划下载 单列市)，只能开立一个备付金存管账户。 第十三条 支付机构在同一备付金合作银行或其授权的分支机构只能开立一个备付金收付账户。 for more than 60 years of rural senior party member care funds; System of regulating the activities of grass-roots party organizations, and enhance the sense of belonging of grass-roots party members; Hold fast to implement "red credit", "red stake" two major project opportunities, strive to explore new ways of development of village collective economy, rural collective economy achieve breakthrough; A progress review by the Secretary of the party work of grass-roots party organizations, strengthens the responsibility of grasping party building, Party Secretary. Second, strengthening the construction of clean and honest Government and fight against corruption. Seriously implement the honest responsibility, actively carry out the independent Commission against corruption interview system, increase the leadership and the day-to-day supervision of party members and cadres at all levels, strengthen the not Winds of special treatment, treatment of "laid-back luxury and arrogance" and "three-pronged" problem, non-gang, national public officers, serving in leadership positions is not land, above-standard equipped with buses and cars for private purposes, and recreational city of gifts, hospitality, luxury and waste, "emptied the rating" special rectification work. Adhere to the rot will be punishing, corrupt Su, and 1 village, 4 disciplinary administrative cadres and workers. Three is to strengthen peace to create a work. Strengthen source management, adhere to prevention, focusing on prevention. Carry out the "big reception, big tour" campaign, petitioning for the cadres of the 第十四条 备付金银行应当于每日营业终了前，将备付金汇缴账户内的资金全额划转至支付机构的备付金存管账户或在同一备付金合作银行开立的备付金收付账户。 (支付机构可以通过备付金汇缴账户将客户备付金直接退回至原资金转出账户) 第十五条 支付机构开立备付金专用存款账户，应当出具其开立基本存款账户规定的证明文件、基本存款账户开户登记证、《支付业务许可证》(副本)和备付金协议。 (备付金专用存款账户的名称应当标明支付机构名称和“客户备付金”字样) 第十六条 支付机构在满足办理日常支付业务需要后，可以以单位定期存款、单位通知存款、协定存款或中国人民银行认可的其他形式存放客户备付金。 (支付机构以前款规定的非活期存款形式存放客户备付金的，应当将备付金存管账户或备付金收付账户内的客户备付金转存至支付机构在同一开户银行开立的银行账户。该银行账户视同备付金专用存款账户。 第十八条 支付机构拟撤销部分备付金专用存款账户的，应当书面告知该备付金银行或其授权分支机构，并于拟撤销账户内的资金全额转入承接账户后，办理销户手续。 (1)拟撤销部分备付金存管账户的，承接账户为支付机构在备付金存管银行或其授权分支机构开立的备付金存管账户; (2)拟撤销备付金收付账户的，承接账户为备付金存管账户; (3)拟撤销备付金汇缴账户的，承接账户为支付机构的备付金存管账户或在同一备付金合作银行开立的备付金收付账户。 第十九条 支付机构拟变更备付金存管银行并撤销全部备付金存管账户的，应当提前5个工作日向所在地中国人民银行分支机构 报告 软件系统测试报告下载sgs报告如何下载关于路面塌陷情况报告535n,sgs报告怎么下载竣工报告下载 变更理由、时间安排、变更后的备付金存管银行以及承接账户信息等事项。 第二十条 支付机构终止支付业务的，应当在按照《非金融机构支付服务管理办法》规定提交的客户权益保障 方案 气瓶 现场处置方案 .pdf气瓶 现场处置方案 .doc见习基地管理方案.doc关于群访事件的化解方案建筑工地扬尘治理专项方案下载 中，说明备付金银行账户撤销事项，并根据批复办理销户手续。 第二十一条 支付机构和备付金合作银行应当在备付金银行账户开立、变更、撤销当日分别书面告知备付金存管银行或其授权分支机构。 (支付机构和备付金银行应当在备付金银行账户开立起5个工作日内、变更或撤销起2个工作日内，向支付机构所在地中国人民银行分支机构报备) 第二十四条 支付机构通过银行转账方式接收的客户备付金，应当直接缴存备付金专用存款账户;按规定可以现金形式接收的客户备付金，应当在收讫日起2个工作日内全额缴存备付金专用存款账户。 第二十六条 支付机构只能通过备付金存管银行办理客户委托的跨行付款业务，以及调整不同备付金合作银行的备付金银行账户头寸。 for more than 60 years of rural senior party member care funds; System of regulating the activities of grass-roots party organizations, and enhance the sense of belonging of grass-roots party members; Hold fast to implement "red credit", "red stake" two major project opportunities, strive to explore new ways of development of village collective economy, rural collective economy achieve breakthrough; A progress review by the Secretary of the party work of grass-roots party organizations, strengthens the responsibility of grasping party building, Party Secretary. Second, strengthening the construction of clean and honest Government and fight against corruption. Seriously implement the honest responsibility, actively carry out the independent Commission against corruption interview system, increase the leadership and the day-to-day supervision of party members and cadres at all levels, strengthen the not Winds of special treatment, treatment of "laid-back luxury and arrogance" and "three-pronged" problem, non-gang, national public officers, serving in leadership positions is not land, above-standard equipped with buses and cars for private purposes, and recreational city of gifts, hospitality, luxury and waste, "emptied the rating" special rectification work. Adhere to the rot will be punishing, corrupt Su, and 1 village, 4 disciplinary administrative cadres and workers. Three is to strengthen peace to create a work. Strengthen source management, adhere to prevention, focusing on prevention. Carry out the "big reception, big tour" campaign, petitioning for the cadres of the 第二十九条 支付机构应当按季计提风险准备金，存放在备付金存管银行或其授权分支机构开立的风险准备金专用存款账户，用于弥补客户备付金特定损失以及中国人民银行规定的其他用途。 (风险准备金按照所有备付金银行账户利息总额的一定比例计提。支付机构开立备付金收付账户的合作银行少于4家(含)时，计提比例为10%。支付机构增加开立备付金收付账户的合作银行的，计提比例动态提高。 第三十条 支付机构的支付业务手续费收入划转至客户备付金专用存款账户的，支付机构应当通过备付金存管银行或其授权分支机构结转至自有资金账户。 第三十二条 支付机构因以现金形式为客户办理备付金赎回、结转支付业务手续费收入等涉及的自有资金账户，应当在备付金存管银行开立的自有资金账户中确定，且一家支付机构只能确定一个自有资金账户。 (支付机构和备付金存管银行应当自自有资金账户确定之日起5个工作日内，分别向支付机构所在地中国人民银行分支机构报备。支付机构拟变更自有资金账户的，应当提前5个工作日向所在地中国人民银行分支机构报告变更原因、变更后的自有资金账户、变更时间等事项) 第三十四条 支付机构和备付金银行应当建立客户备付金信息核对机制，逐日核对客户备付金的存放、使用、划转等信息，并保存核对记录。 第三十七条 支付机构在备付金银行账户中存放客户备付金以外资金的，可以在计算前款规定的比例时，向所在地中国人民银行分支机构申请扣减。 第三十八条 支付机构和备付金银行符合下列条件之一的，支付机构可以向中国人民银行申请适当调整第三十七条所规定的比例: (一)支付机构的支付业务能够被备付金银行实时监测;(二)支付机构和备付金银行能够逐日逐笔核对客户备付金交易明细;(三)支付机构能通过备付金银行为客户提供备付金信息查询;(四)支付机构的公司治理 规范 编程规范下载gsp规范下载钢格栅规范下载警徽规范下载建设厅规范下载 、风险 管理制度 档案管理制度下载食品安全管理制度下载三类维修管理制度下载财务管理制度免费下载安全设施管理制度下载 健全、客户备付金安全保障措施有效，以及能够主动配合备付金银行监督、备付金银行对其业务合规性评价较高。 明令禁止事项 第四条 客户备付金只能用于办理客户委托的支付业务和本办法规定的情形。 (任何单位和个人不得擅自挪用、占用、借用客户备付金，不得擅自以客户备付金为他人提供担保) 第十一条 备付金专用存款账户应当与自有资金账户分户管理，不得办理现金支取。 第十六条 支付机构通过备付金收付账户转存的非活期存款，存放期限不得超过for more than 60 years of rural senior party member care funds; System of regulating the activities of grass-roots party organizations, and enhance the sense of belonging of grass-roots party members; Hold fast to implement "red credit", "red stake" two major project opportunities, strive to explore new ways of development of village collective economy, rural collective economy achieve breakthrough; A progress review by the Secretary of the party work of grass-roots party organizations, strengthens the responsibility of grasping party building, Party Secretary. Second, strengthening the construction of clean and honest Government and fight against corruption. Seriously implement the honest responsibility, actively carry out the independent Commission against corruption interview system, increase the leadership and the day-to-day supervision of party members and cadres at all levels, strengthen the not Winds of special treatment, treatment of "laid-back luxury and arrogance" and "three-pronged" problem, non-gang, national public officers, serving in leadership positions is not land, above-standard equipped with buses and cars for private purposes, and recreational city of gifts, hospitality, luxury and waste, "emptied the rating" special rectification work. Adhere to the rot will be punishing, corrupt Su, and 1 village, 4 disciplinary administrative cadres and workers. Three is to strengthen peace to create a work. Strengthen source management, adhere to prevention, focusing on prevention. Carry out the "big reception, big tour" campaign, petitioning for the cadres of the 12个月。非活期存款转为活期存款的，应退回至原转存的备付金账户。 第十七条 支付机构的分支机构应当将接收的客户备付金存放在以支付机构名义开立的备付金银行账户，不得以该分支机构自身的名义开立备付金银行账户。 第二十三条 支付机构应当在收到客户备付金或客户划转客户备付金不可撤销的支付指令后，办理客户委托的支付业务，不得提前办理。 第二十五条 支付机构每月在备付金存管银行存放的客户备付金日终余额合计数，不得低于上月所有备付金银行账户日终余额合计数的50%。 第二十六条 支付机构在备付金合作银行存放的客户备付金，不得跨行划转至备付金存管银行之外的商业银行。 第二十七条 不同支付机构的备付金银行之间不得办理客户备付金的划转。 第二十八条 支付机构按规定为客户办理备付金赎回的，应当通过备付金专用存款账户划转资金，不得使用现金;按规定可以现金形式为客户办理备付金赎回的，应当先通过自有资金账户办理，再从其备付金存管账户将相应额度的客户备付金划转至自有资金账户。 第三十一条 支付机构因办理客户备付金划转产生的手续费费用，不得使用客户备付金支付。 中国人民银行关于建立支付机构客户备付金信息核对校验 机制的通知 支付机构需做事项 五、支付机构应于每月初7个工作日内，根据《支付机构客户备付金信息统计报表》(见附件2)的填报要求，与各备付金银行法人(或其授权分支机构)完成关于该银行客户备付金信息(附件2表1-1至1-3、1-6、1-9、1-10、1-13)的核对校验工作。支付机构应将填报完整的统计报表(附件2表1-1至1-10、1-13)、各备付金银行法人(或其授权分支机构)应将统计报表(附件2表2-1)及《备付金银行对支付机构客户备付金信息的核对意见》(见附件3)于每月初7个工作日内报送支付机构所在地人民银行分支机构。 for more than 60 years of rural senior party member care funds; System of regulating the activities of grass-roots party organizations, and enhance the sense of belonging of grass-roots party members; Hold fast to implement "red credit", "red stake" two major project opportunities, strive to explore new ways of development of village collective economy, rural collective economy achieve breakthrough; A progress review by the Secretary of the party work of grass-roots party organizations, strengthens the responsibility of grasping party building, Party Secretary. Second, strengthening the construction of clean and honest Government and fight against corruption. Seriously implement the honest responsibility, actively carry out the independent Commission against corruption interview system, increase the leadership and the day-to-day supervision of party members and cadres at all levels, strengthen the not Winds of special treatment, treatment of "laid-back luxury and arrogance" and "three-pronged" problem, non-gang, national public officers, serving in leadership positions is not land, above-standard equipped with buses and cars for private purposes, and recreational city of gifts, hospitality, luxury and waste, "emptied the rating" special rectification work. Adhere to the rot will be punishing, corrupt Su, and 1 village, 4 disciplinary administrative cadres and workers. Three is to strengthen peace to create a work. Strengthen source management, adhere to prevention, focusing on prevention. Carry out the "big reception, big tour" campaign, petitioning for the cadres of the 六、支付机构应确保所提供客户备付金信息的真实、准确与完整，并在向备付金银行提交客户备付金信息时出具《支付机构客户备付金信息真实性承诺函》(见附件4)。 支付机构、备付金银行法人(或其授权分支机构)可采用电子方式向所在地人民银行分支机构报送客户备付金信息。 明令禁止事项 九、支付机构、备付金银行在按照《存管办法》和本通知要求完成系统改造前，如客户备付金信息报送工作量较大，人民银行分支机构可以要求支付机构、备付金银行以电子方式定期报送《支付机构客户备付金信息统计报表》，以纸质方式报送加盖公章的《支付机构客户备付金信息真实性承诺函》、《备付金银行对支付机构客户备付金信息的核对意见》，并根据辖区内实际情况确定定期报送频率和报表项目统计周期，其中信息报送频率不得小于1次/2个月，项目统计周期不得长于1个月。 for more than 60 years of rural senior party member care funds; System of regulating the activities of grass-roots party organizations, and enhance the sense of belonging of grass-roots party members; Hold fast to implement "red credit", "red stake" two major project opportunities, strive to explore new ways of development of village collective economy, rural collective economy achieve breakthrough; A progress review by the Secretary of the party work of grass-roots party organizations, strengthens the responsibility of grasping party building, Party Secretary. Second, strengthening the construction of clean and honest Government and fight against corruption. Seriously implement the honest responsibility, actively carry out the independent Commission against corruption interview system, increase the leadership and the day-to-day supervision of party members and cadres at all levels, strengthen the not Winds of special treatment, treatment of "laid-back luxury and arrogance" and "three-pronged" problem, non-gang, national public officers, serving in leadership positions is not land, above-standard equipped with buses and cars for private purposes, and recreational city of gifts, hospitality, luxury and waste, "emptied the rating" special rectification work. Adhere to the rot will be punishing, corrupt Su, and 1 village, 4 disciplinary administrative cadres and workers. Three is to strengthen peace to create a work. Strengthen source management, adhere to prevention, focusing on prevention. Carry out the "big reception, big tour" campaign, petitioning for the cadres of the