银行“绕道”收费 “免费令”执行遭遇“打折”
　　中国银监会、中国人民银行、国家发展改革委联合下发《关于银行业金融机构免除部分服务收费的通知》，要求自今年7月1日起免除人民币个人账户的11类34项服务收费。记者昨日以普通客户的身份走访本市多家银行发现，把“密码重置”变为“密码挂失”收费，这样的文字游戏有
相关公司股票走势
的银行还在玩。此外，在“免费令”启动的同时，更多收费项目浮出水面。
　　绕道收费 密码重置费改名“挂失”照样收
　　“我这张卡好久没用，密码想不起来了，能重新设一个吗？ ”去年，对于这样的问题，银行都会痛痛快快地答应，只要客户提供准确的身份信息和卡片信息，就可以直接到柜台对密码进行修改。可是，在银行“免费令”下达之后，有银行开始表示，修改密码必须先挂失，客户需要先交10元挂失费。
　　银行为何绕道走“挂失”？密码重置费正是此次银监会通知中明令取消的34项收费项目之一，不收重置、修改费，而收“挂失费”，字面上来看，并未违反新规规定。
　　记者昨日咨询发现，大连地区目前为“密码”大费周章的银行并不多。有几家股份制商业银行的客服人员直接表态，从7月1日起，修改密码不收费，拿身份证原件到柜台办理即可。但是，有一家国有银行客服人员明确表示，需要客户先对银行卡进行挂失，才能办理密码重置业务。这需要收取10元挂失费。
　　一家股份商业银行的相关工作人员向记者透露，重置密码需要先挂失，这是长期以来银行操作的标准流程。本次由于“重置”这一环被强制免费，银行就将流程“打折”，在后半部分收费，用“文字游戏”赚钱。
　　顶风涨价 外资银行“点钞费”门槛升级
　　记者注意到，在一家银行里贴出一则公告：对开户满3个月，且3个月内日均余额小于300元（含）的活期存款账户每季收3元小额账户管理费。银行方面解释说，这项收费在其他银行一直有，该行只是在近日才启动收费。
　　不仅是国内银行陷入“收费——免费——收费”的怪圈，外资银行也悄然打开了收费通道。一家外资银行昨天宣布，自8月1日起调整四项服务收费。记者看到，这四项调整措施基本全是“涨价”，包括打印中期结账单每份收费50元，存入200张以上的钞票要收取面额0.25%的手续费等。对于这项“点钞费”，该行过去的收费标准是500张以上。此外，如果客户向15个以上账户存入支票，每次额外交易还要收费一元。
　　三部委新规规定，已签约开立的代发工资、退休金、低保、医保、失业保险、住房公积金账户的年费和账户管理费（含小额账户管理费）在34项禁止之列。记者昨日在大连地区多家国有银行及中小股份制商业银行了解到，目前，对于这些小额账户管理费的免除，必须由客户主动提出申请，否则仍按照原规定执行。
　　VIP减免 舍得出“大钱”就能免“小钱”
　　“如果在我行选择购买理财产品、贵金属和办理第三方资金存管业务的客户，都能够酌情减免费用。 ”一家国有银行的客服人员如是说。另一家客服人员告诉记者，如果存入5万元一年定期，可赠送三个月的“短信通”服务。
　　一位业内人士告诉记者，银行目前的收费行为仍然属于商业行为，有一定自主权。不过，本次国家三部委的“免费令”是强制性文件，因此，银行若对该规定涉及的免费项目继续收费，就属于乱收费，市民有权投诉。此外，对于收费项目的变动，银行必须履行告知义务，在营业网点或网上进行公示，所有的收费前提必须是在客户知情的情况下进行。如果没有通知就乱收费，这种行为就需要监管。
　　“免费令”避重就轻欠实惠为啥只免“存折”不免“卡”
　　近年来，涉及普通市民生活的银行收费项目中，最受关注、也最有争议的莫过于银行卡年费和小额账户管理费。但是，此次三部委“免费令”中，提到了许多与存折有关的业务，对于更接近市民生活的银行卡小额账户管理，实质干预并不多。但事实上，目前存折已经成为受绝大多数银行冷看的“过时品种”，银行卡也正在以其方便、功能多样、使用范围广等优势大受普及。
　　一些客服人员也这样对记者解释，只要是属于被叫停收费的存折账户，都可以免收年费和小额账户管理费，但对于同样用途的银行卡，只免收了小额账户管理费，而要收取每年10元的年费。
　　而且，在新规执行前，多家银行本来就不收存折开户工本费、存折更换工本费，免费令其实是在叫停本来不存在的业务。但是对于银行卡消磁换卡就收取工本费，而此项收费没有叫停。因此从实质看，三部委“减负”的动作并没有在消费者身上体现出多少。
　　中央财经大学业研究中心主任郭田勇曾公开表示，关于银行收费，对于针对广大公众的基础类金融服务应以低收费或免费为主，而对于高端类、竞争性的中间业务应给予银行充分的自主定价权。 首席记者苏琳
(责任编辑：陈大伟)
11-07-04·
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近期热点关注政府指导价
市场调节价
一、结算业务 Settlement business
序号Number
编号Serial numbers
服务名称Service name
收费标准Charge standard
项目功能 Items function
备注 Remarks
适用客户Applicable client
定价依据Pricing basis
生效日期Effective date
挂失Report the loss
符合挂失规定的汇票、本票、支票Bank draft, promissory notes and cheques conforming with the provisions of report loss
手续费：按票面金额1& ，不足5元，收取5元&&&&&&&&&&&&&&&&&&&&&& Fee: 1 & of the par value , the minimum charge is 5 yuan.
为个人或对公客户办理票据挂失&&&&&&&&&&&&& For personal or corporate client to handle the report loss of bills
银行汇票挂失止付人要求通知对方行的，应另收邮费或电报费If the report loss of bills requests to notify the other party bank, bank should additional postage or cable charge.
公司客户、个人客户Company clients,&individual clients
发改价格[号&&&&&&&&&&&& NDRC price [
二、工本费& Cost of production
序号Number
编号Serial numbers
服务名称Service name
收费标准Charge standard
项目功能 Items function
备注 Remarks
适用客户Applicable client
定价依据Pricing basis
生效日期Effective date
支票Cheque
工本费：0.4元/份Fee:0.4 yuan / copy
工本费Cost of production
公司客户、个人客户Company clients,&individual clients
发改价格[号&&&&&&&&&&&& NDRC price [
银行汇票Bank draft
工本费：0.48/份Fee:0.48 yuan / copy
工本费Cost of production
公司客户、个人客户Company clients,&individual clients
发改价格[号&&&&&&&&&&&& NDRC price [
一、结算业务 Settlement business
序号Number
编号Serial numbers
服务名称Service name
收费标准Charge standard
项目功能 Items function
备注 Remarks
适用客户Applicable client
定价依据Pricing basis
生效日期Effective date
支票Cheque
手续费：1元/笔&&&& Fee: 1 yuan / T
为个人或对公客户办理支票业务&&&&& For personal or corporate client deal check business
公司客户、个人客户Company clients,&individual clients
发改价格[号&&&&&&&&&&&& NDRC price [
银行汇票Bank draft
手续费：1元/笔&&&& Fee: 1 yuan / T
为个人或对公客户办理银行汇票业务For personal or corporate clients to deal bank draft business
公司客户、个人客户Company clients,&individual clients
发改价格[号&&&&&&&&&&&& NDRC price [
个人现金汇款Personal cash remittance
手续费：每笔按汇款金额的0.5%收取，最高收费50元&&&&&&&&& Fee: 0.5% of the amount on every deal, the maximum charge 50 yuan
将个人客户现金汇入其他银行（含同城和异地)的账户Remit the individual client cash into other bank&s (including local and remote) account
需要办理此业务的未在我行开户的个人客户Need to deal with this business, but don&t have an account of individual clients in our bank
发改价格[号&&&&&&&&&&&& NDRC price [
对公跨行柜台转账汇款Corporate inter-bank counter transfer remittance
1万元以下（含）0- 10000 yuan (inclusive)
手续费:5元/笔Fee: 5yuan / T
通过柜台将对公客户资金从本行账户转移到其他银行（含同城和异地）的账户Through the counter, corporate client money be transferred from this bank account to other bank account (including local and remote)
公司客户&& Company clients
发改价格[号&&&&&&&&&&&& NDRC price [
1万元-10万元（含）10000 yuan - 100000 yuan (inclusive)
手续费:10元/笔Fee: 10 yuan / T
发改价格[号&&&&&&&&&&&& NDRC price [
10万元-50万元（含）100000 yuan - 500000 yuan (inclusive)
手续费:15元/笔&&&&&& Fee: 15 yuan / T
发改价格[号&&&&&&&&&&&& NDRC price [
50万元-100万元（含）500000 yuan - 1 million yuan (inclusive)
手续费:20元/笔&&&& Fee: 20 yuan / T
发改价格[号&&&&&&&&&&&& NDRC price [
100万元以上More than 1 million yuan
手续费:每笔按汇划金额的0.002%收取，最高不超过200元Fees: 0.002% of the transfer amount on every deal, the maximum charge 200 yuan
发改价格[号&&&&&&&&&&&& NDRC price [
加急业务Urgent business
手续费：按普通汇划标准收取，不另收加急手续费&&&&&& Fee: according to the ordinary transfer standard charge, will not charge expedited fee
发改价格[号&&&&&&&&&&&& NDRC price [
划汇财政金库、救灾、抚恤金款项 Remit to financial treasury, Disaster relief, Pension funds
免费&&& Free
银监发[2011]22号& The CBRC No. [2011]22
划汇职工工资、退休金、养老金Remit to worker pay, retirement pension, pension
手续费:2元/笔 Fee: 2 yuan / T
发改价格[号&&&&&&&&&&&& NDRC price [
个人跨行柜台转账汇款&& Personal inter-bank counter transfer remittance
2000元以下（含）& 0- 2000 yuan (inclusive)
手续费:2元/笔&&& Fee: 2 yuan / T
通过柜台将个人客户资金从本行账户（不含信用卡）转移到其他银行（含同城和异地）的账户&& Through the counter, personal client money be transferred from this bank account to other bank account (including local and remote)
个人客户& &Individual clients
发改价格[号&&&&&&&&&&&& NDRC price [
2000元-5000元（含）&& 2000 yuan - 5000 yuan (inclusive)
手续费:5元/笔 Fee: 5 yuan / T
发改价格[号&&&&&&&&&&&& NDRC price [
5000元-1万元（含）& 5000 yuan - 10000 yuan (inclusive)
手续费:10元/笔 Fee: 10 yuan / T
发改价格[号&&&&&&&&&&&& NDRC price [
1万元-5万元（含）& 10000 yuan - 50000 yuan (inclusive)
手续费:15元/笔 Fee: 15 yuan / T
发改价格[号&&&&&&&&&&&& NDRC price [
5万元以上& More than 50000 yuan
手续费:每笔按汇划金额的0.03%收取，最高不超过50元& Fee:0.03% of the transfer amount on every deal, the maximum charge 50 yuan
发改价格[号&&&&&&&&&&&& NDRC price [
加急业务&& Urgent business
手续费:按普通汇划标准收取，不另收加急手续费&& Fee: according to the ordinary transfer standard charge, will not charge expedited fee
发改价格[号&&&&&&&&&&&& NDRC price [
划汇财政金库、救灾、抚恤金款项& Remit to financial treasury, Disaster relief, Pension funds
免费&&& Free
银监发[2011]22号& The CBRC No. [2011]22
一、结算业务 Settlement business
序号Number
编号Serial numbers
服务名称Service name
收费标准Charge standard
项目功能 Items function
备注 Remarks
适用客户Applicable 2
借记卡 Debit card
境内跨行自助设备取款 Domestic inter-bank self-service equipment withdrawals
手续费：2元/笔 Fee: 2 yuan/T
取款 Withdraw money
个人客户 Individual clients
境外跨行自助设备取款 Overseas inter-bank self-service equipment withdrawals
手续费：13元/笔 Fee: 13 yuan/T
取款 Withdraw money
个人客户 Individual clients
境外跨行自助设备查询 Overseas inter-bank self-service equipment enquiry
手续费：2元/笔 Fee: 2 yuan/T
查询 Inquiry
个人客户 Individual clients
卡汇通 Card Huitong
同城跨行转账 Same city inter-bank transfer
金额1万元以下（含） The amount of 0-10000 yuan (including)
手续费：3元/笔 Fee: 3 yuan/T
转账 Transfer
个人客户 Individual clients
金额1-5万元(含) The amount of 1-50000 yuan (including)
手续费：5元/笔 Fee: 5 yuan/T
转账 Transfer
个人客户 Individual clients
异地跨行转账 Remote inter-bank transfer
手续费：按交易金额的1％向转出卡客户收取，最低5元/笔，最高50元/笔 Fee: charge according to 1% of the transaction amount, the minimum 5 yuan / T, the maximum 50 yuan / T
转账 Transfer
个人客户 Individual clients
农民工银行卡取款 Migrant workers bank card withdraw
手续费：按照取款金额的5&收取，最低1元/笔，最高20元/笔 Fee: charge according to the amount of 5 &, the minimum 1 yuan / T, the maximum 20 yuan / T
取款 Withdraw
个人客户 Individual clients
工行柜面通 ICBC Counter Tong
同城 Same city
现金存款 Deposit cash
手续费：免费 Fee: Free
存款 Deposit
1.银行卡指借记卡。2.&同城&指受理地区与发卡地区为同一地区；&异地&指受理地区与发卡地区非同一地区 1. Bank card refer to debit card
2.&same city&refers to the application area and issuing reg
&remote&refers to the application area and issuing regi
个人客户 Individual clients
现金取款 Withdraw cash
手续费：免费 Fee: Free
取款 Withdraw
转账 Transfer
手续费：免费 Fee: Free
转账 Transfer
异地 Remote
现金取款 Withdraw cash
手续费：按取款金额的1%收取，最低2元，最高100元 Fee: according to the amount of 1% charge, the minimum 2 yuan, the maximum 100 yuan
取款 Withdraw
有卡存款 Deposit with card
手续费：按存款金额的0.5%收取，最低2元，最高100元 Fee: according to the amount of 0.5% charge, the minimum 2 yuan, the maximum 100 yuan
存款 Deposit
无卡存款 No card deposit
手续费：按存款金额的1%收取，最低1元，最高50元 Fee: according to the amount of 1% charge, the minimum 1 yuan, the maximum 50 yuan
异地郑州银行卡对本地工行卡（有卡）转账 Remote Zhengzhou card transfer to local ICBC card (with card)
手续费：按转账金额的1%收取，最低2元，最高100元 Fee: according to the amount of 1% charge, the minimum 2 yuan, the maximum 100 yuan
转账 Transfer
本地郑州银行卡对异地工行卡（有卡）转账 Local Zhengzhou bank card transfer to remote ICBC card ( with card)
手续费：按转账金额的0.5%收取，最低2元，最高100元 Fee: according to the amount of 0.5% charge, the minimum 2 yuan, the maximum 100 yuan
异地郑州银行卡对异地工行卡（有卡）转账 Remote Zhengzhou card transfer to remote ICBC card (with card)
手续费：按转账金额1%收取，最低1元，最高50元 Fee: according to the amount of 1% charge, the minimum 1 yuan, the maximum 50 yuan
异地郑州银行卡对本地工行卡（无卡）转账 Remote Zhengzhou card transfer to local ICBC card (no card)
手续费：按转账金额的1%收取，最低1元，最高50元 Fee: according to the amount of 1% charge, the minimum 1 yuan, the maximum 50 yuan
本地郑州银行卡对异地工行卡（无卡）转账 Local Zhengzhou bank card transfer to remote ICBC card ( no card)
异地郑州银行卡对异地工行卡（无卡）转账 Remote Zhengzhou card transfer to remote ICBC card (no card)
银联柜面通&& unionpay counter tong
手续费：按每笔交易金额的0.1%收取，最低3元，最高50元。& Fee:0.1% of every transaction, minimum 3 yuan,maximum 50 yuan.
跨行柜面存取款，向本行个人客户提供他行柜面现金存取款功能。&& Interbank deposit&withdrawl counter,Provide customers deposit & withdrawal to other banks.
他行指参与银联柜面通业务的其他银行，手续费由系统自动扣收。& Other Banks refer to the bank who participate in Unionpay ALL in one counter,Service charges will be deduct automatically.
个人客户 Individual clients
银行卡柜面挂失 Report the loss of bank card on counter
手续费：5元/笔 Fee: 5 yuan /T
挂失 Report the loss
VIP卡免费 VIP card free of charge
个人客户 Individual clients
城商行&柜面通&Counter-pass service of city commercial banks
2000元以下 （含）
Below 2000 yuan（inclusive）
手续费：2元/笔
Fee：2 yuan/T
跨行柜面存取款、转账，向本行个人客户提供他行柜面现金存取款、转账功能。 & Interbank deposit、withdrawl and bank transfer on the counter,Provide customers deposit 、 withdrawal and bank transfer on the counter of other banks.&
他行指参与城商行柜面通业务的其他银行，手续费由系统自动扣收。 &Other Banks refer to the bank who participates in counter-pass service of city commercial banks,Service charges will be deducted automatically.
个人客户 Individual clients
2000 yuan-5000 yuan（inclusive）
手续费： 5元/笔
Fee：5 yuan/T
个人客户 Individual clients
5000元-1万元（含）
5000 yuan-10000 yuan（inclusive）
手续费： 8元/笔
Fee：8 yuan/T
个人客户 Individual clients
1万元-5万元（含）
10000 yuan-50000 yuan(inclusive)
手续费： 10元/笔
Fee：10 yuan/T
个人客户 Individual clients
More than 50000 yuan
手续费： 20元/笔
Fee：20 yuan/T
个人客户 Individual clients
信用卡 Credit card
年费 Annual fee
信用卡普卡 Common credit card
主卡 Principal card
年费：100元/卡/年 annual Fee: 100 yuan / card / year
信用卡年费 Credit card annual fee
可享受一定的年费减免政策,适用于普卡持卡人 Applicable to common card holders who can enjoy an annual fee discount policy.
个人客户 Individual clients
附属卡 Supplementary card
年费：50元/卡/年 annual Fee: 50 yuan / card / year
信用卡金卡 Gold credit card
主卡 Principal card
年费：300元/卡/年 annual Fee: 300 yuan / card / year
信用卡年费 Credit card annual fee
可享受一定的年费减免政策，适用于金卡持卡人 Applicable to gold card holders who can enjoy an annual fee discount policy.
个人客户 Individual clients
附属卡 Supplementary card
年费：150元/卡/年 annual Fee: 150 yuan / card / year
标准白金信用卡 Standard platinum credit card
主卡 Principal card
年费：600元/卡/年 annual Fee: 600 yuan / card / year
信用卡年费 Credit card annual fee
可享受一定的年费减免政策，适用于标准白金卡持卡人 Applicable to Standard platinum card holders who can enjoy an annual fee discount policy.
个人客户 Individual clients
附属卡 Supplementary card
年费：300元/卡/年 annual Fee: 300 yuan / card / year
豪华白金信用卡 Deluxe platinum credit card
主卡 Principal card
年费：3600元/卡/年 annual Fee:3600 yuan / card / year
信用卡年费 Credit card annual fee
适用于豪华白金卡持卡人 Applicable to Deluxe platinum card holders.
个人客户 Individual clients
附属卡 Supplementary card
年费：1800元/卡/年 annual Fee: 1800 yuan / card / year
钻石信用卡 Diamond credit card
主卡 Principal card
年费：10000元/卡/年 annual Fee: 10000 yuan / card / year
信用卡年费 Credit card annual fee
适用于钻石卡持卡人 Applicable to Diamond card holders.
个人客户 Individual clients
附属卡 Supplementary card
年费：5000元/卡/年 annual Fee: 5000 yuan / card / year
Yu Che credit card
主卡 &Principal card
年费：300元/卡/年 &annual Fee: 300 yuan / card / year
信用卡年费 & Credit card annual fee
适用于豫车卡持卡人&
& Applicable to Yu Che card holders.
附属卡 Supplementary card
年费：150元/卡/年 & annual Fee: 150 yuan / card / year
Interest rate on overdraft
日利率：0.5& &Daily interest rate: 0.5 &
持卡人在逾期、未全额还款时，当期账单不享受免息还款待遇，计收透支利息 If cardholders overdue or don&t repay in full, the bill does not enjoy the interest free repayment treatment, bank charge overdraft interest
个人客户 Individual clients
年利率：18.25%
Annual interest rate：18.25%
违约金 &Liquidated damages
违约金：最低还款额未还部分的5％，最低10元 Overdue fine: Charge 5% of the amount overdue minimum payment, the lowest 10 yuan.
持卡人如未于每月最后还款日前还清当期最低还款额或延误还款时收取 If cardholder didn&t pay off the minimum payment at the end of month repayment day or delayed payment
个人客户 Individual clients
预借现金 Cash advance
本行渠道 Our bank channel
手续费：交易金额的0.5％，最低每笔1元 Fee: 0.5% of the transaction amount, the minimum 1 yuan/T
预借现金手续费 Cash advance charge
持卡人以信用卡办理预借现金业务时收取，预借现金业务包括现金提取、现金转账和现金充值
Charge when the cardholders apply for advance cash services, cash advance services including cash withdrawals,cash transfers and cash deposits
个人客户 Individual clients
他行渠道 Other bank channels
手续费：交易金额的1％，最低每笔1元 Fee: 1% of the transaction, the minimum every 1 yuan
损坏换卡 Change damaged card
手续费：20元/卡 Fee: 20 yuan / card
持卡人因卡片损坏申请新卡时收取 The cardholders apply for a new card for card damaged
标准白金卡、豪华白金卡、钻石卡免收 Fees free to Standard platinum, Deluxe platinum, diamond card
个人客户 Individual clients
挂失 Report of loss
手续费：50元/卡 Fee: 50 yuan / card
挂失信用卡时收取 Charge at the report loss of credit card
标准白金卡、豪华白金卡、钻石卡免收 Fees free to Standard platinum, Deluxe platinum, diamond card
个人客户 Individual clients
快速发卡 Quick card
手续费：60元/卡 Fee: 60 yuan / card
信用卡成功核发后的第一个账单日收取 Charge at the first credit card bills issued
信用卡成功核发后的第一个账单日收取 Charge at the first credit card bills issued
个人客户 Individual clients
补制对账单 Compensation for the bill
非加急 Non urgent
手续费：10元/份（自索取日起前三个月内的账单免费，前十二个月的账单可享每年第一份免费） Fee: 10 yuan / copy (free for the bill within three months before the claim. twelve months before the claim is free at the first free every year)
持卡人索取对账单时收取 Charge when the cardholder claims on the bill
个人客户 Individual clients
加急 Urgent
手续费：30元/份（含20元邮寄费，邮寄费按次收取） Fee: 30 yuan / copy(include postage 20 yuan, each copy charged by time)
调阅签账单 Access to the sign bill
境内 Inland
手续费：30元/份 Fee: 30 yuan / copy
持卡人申请调阅签账单服务，经查证认定交易确为持卡人或其附属卡持卡人所为时收取 The cardholder for access to sign the bill, be charged after verifying that the transaction is the cardholder or its affiliated card holders
标准白金卡、豪华白金卡、钻石卡免收 Fees free to Standard platinum, Deluxe platinum, diamond card
个人客户 Individual clients
境外 Abroad
手续费：每份8美元/5.5欧元/5.5英镑/9.6澳元/9.6加元/800日元 Fee: every piece for 8dollars /5.5 Euro /5.5 pounds / 9.6 AUD $/ 9.6 C $ /800 yen
卡片加急快递手续费 Card urgent express fee
手续费：每封快递25元 Fee: 25 yuan each express
持卡人申请加急寄送卡片时收取 Card holders to apply for urgent charge when sending CARDS
标准白金卡、豪华白金卡、钻石卡免收 Fees free to Standard platinum, Deluxe platinum, diamond card
个人客户 Individual clients
溢缴款领回 Overflow payment claim
本行渠道 Our bank channel
手续费：免费 Fee: Free
持卡人申请领回溢缴款时收取 Charge when Card holders apply for claim overflow payment
个人客户 Individual clients
他行渠道 Other bank channel
手续费：ATM：领回金额1％，最低1元 Fee: ATM: 1% of claim amount, the lowest 1 yuan.
分期 Installment
3期 3period
手续费：0.82% Fee:0.82%
持卡人申请交易分期和账单分期时收取 Charge when Card holders apply for installment trading and installment billing
手续费采取分期收取的方式，表中所列为手续费每期收取的费率 Fees charged by periods, every period charge fees of the table
个人客户 Individual clients
6期 6period
手续费：0.7% Fee:0.7%
9期 9period
手续费：0.67% Fee:0.67%
12期 12period
手续费：0.67% Fee:0.67%
18期 18period
手续费：0.67% Fee:0.67%
24期 24period
手续费：0.7% Fee:0.7%
36期 &36period
手续费：0.7% & &Fee:0.7%
60期 &60period
手续费：0.7% & &Fee:0.7%
交易信息短信通知 Transaction information SMS notification
手续费：3元/月/户 Fee: 3 yuan / month / account
交易信息短信通知 Transaction information SMS notification
标准白金卡、豪华白金卡、钻石卡免收 Fees free to Standard platinum, Deluxe platinum, diamond card
个人客户 Individual clients
开具证明文件 Certificate file issue
手续费：50元/次 Fee:50 yuan/T
持卡人要求开具还款证明、纯费用逾期证明、额度证明以及资料证明时收取 Charge when cardholder request payment certificates, certificate of pure costs exceed the limit time, quota certificates and data demonstrate certificates
个人客户 Individual clients
其它增值服务项目 Other value-added services
手续费：以服务项目实际公告为准 Fee: at the actual announcement in service items
信用卡增值服务包括私人律师服务、汽车道路救援服务、意外保险服务、商旅预订服务、高尔夫服务、美容SPA服务、全科体检服务、齿科护理服务、家政清洁服务等项目 Credit card value-added services includes private lawyer services, automobile roadside rescue services, accident insurance services, business travel reservation services, golf services, beauty SPA services, health examination services, dental care services, housekeeping services, etc.
个人客户 Individual clients
二、公司业务 Corporate business
序号Number
编号Serial numbers
服务名称Service name
收费标准Charge standard
项目功能 Items function
备注 Remarks
适用客户Applicable client
委托贷款 Entrusted loans
手续费：每笔最高不超过3&/月（含），最低不低于0.5&（含） Fee: each deal do not exceed rate 3& monthly (including) of the amount, minimum 0.5 & (including)
由政府部门、企事业单位、个体工商户、保险公司、基金公司、投资管理公司和自然人等委托人提供资金,由本行(即受托人)根据委托人确定的贷款对象、用途、金额、期限、利率等代为发放、监督使用并协助收回的贷款 Entrusted by government departments, enterprises, individual businesses and insurance companies, fund companies, investment fund management companies and natural persons, such as the principal, according to the loan object, purpose, amount, term, interest rate, etc. determined by the authorizer, the bank (the trustee) replace issuing and supervising the use and help withdraw the loan.
可一次性或按月、季、年收取 Charge one-time or monthly, quarterly, annual
个人客户、对公客户Individual clients、Company clients
保函 Letter of guarantee
手续费：每笔最高月费率3&，最低50元 Fee: each deal charge highest monthly rate 3&, the lowest 50 yuan
本行应申请人的书面申请，向受益人出具的书面保证,为申请人按照合约履行的某种经济行为提供担保,保证在申请人不履行合约项下责任或义务时,向受益人支付一定数额的赔偿金 According to the applicant's written application, our bank write guarantee to the beneficiary, and provide a guarantee for the applicant in fulfilling some kind of economic behavior in accordance with the contract, Under guarantee in the applicant fails to perform the contract responsibility or obligation, to pay to the beneficiary a certain amount of compensation
如办理足额保证金,可免收手续费 If save adequate guarantee fund, handling fees is free
对公客户&& Company clients
国内保理业务 Domestic factoring business
有追索权保理& With recourse factoring
手续费：按转让给本行的应收账款金额的0.1%-3%收取& Fee: charge 0.1%-3% of the amount of A/R(accounts receivable) transferred to our bank.
有追索权保理& With recourse factoring
可一次性或按月、季、年收取 one-time or on a monthly， quarterly, yearly basis
对公客户&& Company clients
无追索权保理& Non recourse factoring
手续费：按转让给本行的应收账款金额的0.1%-3%收取&& Fee: charge 0.1%-3% of the amount of A/R(accounts receivable) transferred to our bank.
无追索权保理& Non recourse factoring
可一次性或按月、季、年收取 on one-time or on a monthly， quarterly, yearly basis
对公客户&& Company clients
延期管理& Extension management
管理费：按剩余应收账款金额的5%/次收取或按协议定价& Fee: 5% of the remaining A/R(accounts receivable) per extension or according to the agreed price.
已受让的应收账款到期未收到买方付款，根据卖方申请在相应保理预付款到期日不作逾期处理，而作延期处理 If the due payment is not received from the buying party at maturity date, extension rather than overdue will be taken as the measure as required by the selling party.
对公客户&& Company clients
发票处理 Invoice processing
手续费：按每张发票5-10元标准收取 Fee: charge 5-10 yuan each invoice
发票处理 Invoice processing
对公客户&& Company clients
国内信用证 Domestic letter of credit
开立 Open a handling
手续费：每笔按开证金额的0.15%收取，最少不低于100元 Fee: 0.15% of the issuing amount on every deal, no less than 100 yuan
开立国内信用证 open the l/c at home
对公客户&& Company clients
修改 Amendment
手续费：每笔按100元收取，增额修改的，对增额部分按开证手续费标准收取，最少不低于100元，不另收取修改手续费 Fee: 100 yuan each deal. Incremental changes, charge the incremental part according to the issuing fees standard, at least 100 yuan, no amendment fee
修改国内信用证 Modify the domestic letter of credit
对公客户&& Company clients
通知 Notification
手续费：50元/笔 Fee: 50 yuan / T
通知国内信用证 Notice the domestic letter of credit
对公客户&& Company clients
修改通知 Modification notification
手续费：50元/笔 Fee: 50 yuan / T
修改通知国内信用证 Modify the domestic L/C notice
对公客户&& Company clients
议付 Negotiation
手续费：每笔按议付金额的0.1%收取 Fee: 0.1% of the negotiation amount on every deal
议付 Negotiation
对公客户&& Company clients
撤证 Withdrawal certificate
手续费：100元/笔 Fee: 100 yuan / T
撤销、注销国内信用证 Withdraw , cancel the domestic L/C
对公客户&& Company clients
延期付款确认 Deferred payment confirmation
手续费：按每笔确认金额的0.1%收取 Fee: 0.1% of the confirm amount on every deal
延期付款确认 Confirm deferred payment
交纳全额保证金可免 Pay the full security deposit, fee is free
对公客户&& Company clients
不符点处理 Discrepancy
手续费：按每笔每个不符点100元收取，最高不超过500元 Fee: according to every discrepancy charge 100 yuan, highest do not exceed 500 yuan
不符点处理 Handle discrepancies
对公客户&& Company clients
退单 Chargeback
手续费：100元/笔 Fee: 100 yuan / T
退单 Chargeback
对公客户&& Company clients
快邮 Express
手续费：30元/笔 Fee: 30 yuan / T
对公客户&& Company clients
平邮 Normal postage
手续费：10元/笔 Fee: 10 yuan / T
对公客户&& Company clients
审单 Document examination
手续费：每笔按审单金额的0.1%收取 Fee: 0.1% of the amount of examination documents on every deal
审单 Examine documents
对公客户&& Company clients
远期即付业务（含偿付、代付） Forward payable at sight service (including reimbursement and paid)
手续费：按协议价收取,最高不超过偿付/代付金额的4% Fee: charge according to the agreement, not exceed 4% of the maximum reimbursement / payment amount
根据客户的申请为客户提供远期即付国内信用证服务，为客户节约财务成本而进行资金渠道安排 Provide forward payable at sight of domestic L/C service for customers according to customer's request, arrange funding channels for customers to save financial cost
对公客户&& Company clients
远期信用证融资业务（含福费廷、议付、付款融资） Usance letter of credit financing business (including forfeiting, negotiation, payment and financing)
手续费：按协议价收取,最高不超过信用证金额的4% Fee: charge according to the agreement, not exceed 4% of the maximum of L/C amount
我行为客户提供远期信用证项下融资服务，并根据客户的申请办理福费廷、议付、付款融资等信用证项下融资产品，帮助客户寻找福费廷业务买断行、帮助客户即期获得应收账款，减少资金占压，同时规避开证行的付款信用风险 Our bank provide financing services under usance letter of credit to customers, provide financing products under forfetin, negotiation, payment financing, etc. letter of credit according to the customer's application, and help customers find the forfaiting forfaitor, help customers at sight for accounts receivable, reduce capital occupied, and avoid the issuing bank payment credit risk
对公客户&& Company clients
投融资服务 Investment and financing services
手续费：按协议价收取 Fee: charge according to the agreement
按照客户申请向客户提供投融资建议，寻找并落实融资顾问服务机构及资金合作方，协助客户就目标项目制定合理可行的融资方案，协助客户与其他方的协调沟通等。 According to the customer application to provide financing proposals, find and implement financing advisory services and capital partners, to help customers on the target of project financing scheme is reasonable and feasible, to help customers and others communication etc
可一次性或按季、年收取 One-time or quarterly, annual charge
对公客户&& Company clients
S3GS000022
财务顾问 Financial adviser
手续费：根据市场情况由我行和客户协议确定 Fee: according to our bank and customer agreement under the situation of the market
本行充分利用人才、信息、科技等优势，为客户提供的持续性和有偿性财务顾问服务。 We make full use of the advantages of the talents, information, science and technology, to provide customers with continuous and paid financial advisory services
可按年/按季/按月分次或一次性向客户收取Yearly/quarterly/monthly points or a one-time charge to the customer
对公客户&& Company clients
银行承兑汇票&&&& Bank acceptance bill
手续费：根据合同或协议，按每笔票面金额*费率收取，费率标准根据客户评级、保证金和担保条件核定，最低0.5&/笔，最高2%/年。&& Fee: Accroding to the contract or agreement, the fee is charged based on the face vlue of each transaction multiplied by corresponding rate, which is assessed by client&s rating, margin of loan and guaranty condition with& minimum 0.5& per transaction and maximum 2% yearly.
由银行承兑汇票申请人签发，并由银行承兑汇票申请人向本行开户行申请，由本行承诺在汇票到期日支付汇票金额的票据行为。
Signed by applicant of bank acceptance bills ,applied by bank acceptance bill applicant to the opening bank, and promises by our bank to pay the actual amount of draft l at the maturity of the bill.
对公客户&& Company clients
免费供业务 Free for business
额度承诺费：按年收取，不超过0.3% Credit commitment fees: charge on annual, no more than 0.3%
根据客户申请，我行为其核定一个授信额度，为其向上游客户支付货款提供融资服务 According to customers application, our bank approve a credit amount to provide financing services for its payment to the upstream customers
对公客户&& Company clients
手续费：按笔收取，费率1% Fee: charge according to each deal, charge rate 1%
作为我行免费供业务客户的供应商，我行提前向其垫付货款，将应收账款提前变现 As our free for business clients supplier, we advance to the advance payment, receivables cash in advance
个人客户、对公客户Individual clients、Company clients
单位资信证明 & Enterprise credit certificate
手续费：200元/份&& Fee：200 yuan / copy
提供开立单位存款证明、银行询证函、结算记录证明、非存款类金融资产证明、负债业务证明等服务&
Providing bank letter of inquiry, enterprises、institutions certificates of deposit、certificates of corporate account records、certificate of non deposit financial assets、certificate of debt business,etc.
其他种类的单位资信证明，经过业务主管部门签署意见并报送法律事务部进行审查后可开立
对公客户&& Company clients
贷款承诺业务& Loan commitment
手续费：年费率不低于0.5%&&&&&&&&&&&& Fee：the lowest annual rate 0.5%
本行在有效承诺期内，按照双方约定的条件、金额和利率等，随时准备应申请人需要提供融资支持，并有权向申请人收取承诺费的一种授信业务。&&&&&&&&&&&&&&&&&&&&&& In the period of effective commitment,in accordance with the terms as agreed upon by bothe parties、amount and interest rate,etc,the bank shall be read to provide financing supports by the applicant's needs,and the bank has the right to charge commitment fee as a credit business.
贷款承诺费采取一次性收取原则。对符合工信部、国家统计局、国家发改委、财政部《关于印发中小企业划型标准规定的通知》（工信部联企业[号）规定的小型和微型企业，予以免收。&&&&&&&&&&&&&&&&&&&&&&&&&&& The commitment fee charge one time.To conform to MIIT,STATS,NDRC,MOF,《the notice about the standard of the medium and small& company》(MIIT[) the small and micro enterprises fees is free.
对公客户&& Company clients
贸易融资业务服务 Trade financing service
手续费：按协议价收取&&&&&&&&&&&&&&&& Fee：Service charge according to the agreement price
1、为客户提供全面国际、国内贸易融资业务专业咨询服务，提供国家风险、商业风险咨询，包括海外银行和境外交易对手信息，协助客户选择贸易最佳结算方式；
2、根据客户的需要定制国际、国内贸易融资业务方案，办理各项国际、国内结算与各项国际、国内贸易融资等组合产品，协助客户提高资金使用效率，降低资金使用成本，提高资金收益、促进客户的业务流程优化；
3、为客户提供国际、国内贸易融资，国际结算业务讲解和外汇管理政策咨询等服务。
1、to provide comprehensive international, domestic trade financing business consulting services for customers, provide the country risk, business risk consulting, including overseas banks and overseas counterparty information, help customers to choose the best means of
2、according to the needs of customers tailor-made international, domestic trade financing scheme,provide the international, domestic settlement and the international, domestic trade financing product combination, to help customers improve fund use efficiency, reduce capital use cost, improve the capital income, promote the optimization
3、to provide the international, domestic trade financing for customers, international settlement business, explanation and policies of foreign exchange management consulting services.
1、SWFIT电讯费:最低同城20元/笔，境内（含港澳）异地100元/笔，境外150元/笔，超过篇幅的，加收电讯费；2、邮电费：据实收取.3、收费币种。各项业务可根据实际情况及客户要求自行决定收费币种并按我行公布的外汇牌价收取等值货币。其中，等值货币根据业务发生当日总行公布的相关货币现汇卖出价进行折算。1、SWFIT Telecom fees: same city minimum 20 yuan/T, China (including Hong Kong and Macao) different city in 100 yuan / T, outside 150 yuan / T, charge extra tel2、post fee:Charge according to the facts 3、Currency: according to the actual situation and customer requirements to decide the charge of currency and&& charge the monetary equivalent according to the exchange rate announced by the monetary equivalent charge. Among them, the monetary equivalent according to the service occurred on the same day the head office published the related currency spot selling rate conversion.
对公客户&& Company clients
银团业务服务费
Syndicated business
每年按照融资金额的0.25%-2.5%或按协议价格收取
&Fee: 0.25%-2.5% of one year or according to syndicated agreement.
银团业务服务包括以下项目：
1、银团安排：该费用一般应以前端费用形式一次性收取。我行提供发起筹组、分销安排、尽职调查、文件起草、谈判组织、召开银团会议、协助贷后管理等服务；
2、银团承诺：我行作为银团业务成员行，就借款人在有效提款期内未提用贷款额度而准备一定资金以备借款人提用；
3、银团代理行：我行依据银团业务合同约定履行代理行职责，提供银团事务管理和协调活动等服务。
4、银团参加行：该费用一般应以前端费用形式一次性收取。我行接受牵头行邀请参加银团，按协商确定向借款人提供融资份额，参与有关银团事务；
5、银团其他服务：我行银团业务开展过程中因提供顾问、咨询等其他服务。
Syndicated business service includes the following items:
1、syndicated business arrangement: The expense of this item should be one-time Pre charged. We provide services such as preparatory organization, distribution, due diligence, document drafting, negotiation, syndication meeting calling, assist of post - loan supervision.
2、Liquidity support：As a member of the syndication, we offer Liquidity support for the borrower under the credit limit.
3、Agency bank: We provide services of routine management and coordination based on the duty of agency bank arranged in syndicated loan contract.
4、Participating bank: The expense of this item should be one-time Pre charged. We accept the invitation from the Joint Lead bank, offering financing service and participating in the management of syndication based on the arrangement.
5、Other services: Services we provide in syndicated loan business, such as consultant.
对公客户&& Company clients
法人账户透支
Legal Person Account Overdraft
手续费：最高为法人账户透支额度的2.5%/年
Fee: 2.5%/year
根据客户申请，我行在核定账户透支额度的基础上，在规定的期限内，允许客户在账户存款不足以支付款项时，在核定的透支额度内向我行透支，以取得资金满足正常结算需要的一种临时性信贷便利。
According to customers' application, our bank, based on the check and ratification of account overdraft limit, within the given period, allows customers to overdraw the amount within the checked and ratified overdraft limit when their account deposit falls short of payment, so as to offer provisional credit facilities to meet normal settlement needs.
对公客户&& Company clients
债券承销业务 &Bond underwriting
按协议约定收取。Fee: according to agreement price
为客户发行债券提供承销服务等。 Help clients to issue bonds，supply bond underwriting services
对公客户&& Company clients
网络借贷资金存管业务费Capital depository Fee of Network Loan
资金存管服务费按照协议价收取。The service fee of capital depository is according to the agreed price.
与网络借贷平台进行系统对接，向其提供网络借贷资金存管专用账户的开立与销户、资金保管、资金清算、账务核对等服务。
The bank system cennects to the network loan system, in order to provide services including the opening and closing of the special depository account, capital depository, capital settlement, reconciliation, &etc.
对公客户&& Company clients
系统接入费按照协议价收取。
The system access fee is according to the agreed price.
提现费按照协议价收取。
The cash withdrawal fee is according to the agreed price
鉴权费按照协议价收取。
The authentication fee is according to the agreed price
银企直联开通费 &
Registration fee of bank-corporate linkage
元/客户，一次性收费，开通时收取
RMB10000-RMB50000 per customer,charged in a lump sum during the registration
开通银企直联渠道业务，为客户提供软件接口、系统测试、数据联调等一系列服务
Register for bank-corporate linkage.Provides software access,system test and data debugging
对公客户 & & & & & & & & Company clients
财富合作服务费
Cooperative service
按协议价格收取
According to syndicated agreement
向合作企业、中介机构提供客户转介绍或提供产品与服务分销、代理渠道，并联合此类机构为个人客户及关联企业客户提供增值服务，并收取相应服务费用。业务包含但不限于：留学、旅游、商旅、移民、境外投资项目推介、高端客户服务与资产管理等。
To the cooperative enterprise, intermediary institutions to provide customer referrals or provide products and services, distribution agent channels, and with such institutions to provide value-added services for individual customers and related business customers, and charge service fees.Includes, but is not limited to: study abroad, tourism, business travel, immigration, overseas investment projects, high-end customer service and asset management, etc.
对公客户 & & & & & & & & Company clients
代理第三方支付渠道业务手续费The fee charged by the bank as angency of third party payment company&
代理第三方支付渠道业务手续费按照协议价收取。The fee charged by the bank as angency of third party payment company &is based on agreed price &
我行向第三方支付公司推荐客户，对成功签约第三方支付公司业务的客户，由第三方支付公司向我行支付代理手续费。The Bank recommends new customers to the third party payment company. For those who have successfully signed on with third party payment companies, the correspondent service charge will be paid by the third party companies.
对公客户 & & & & & & & & Company clients
现金管理业务
Cash Management Service
现金管理业务-虚账户管理费Cash Management Service- Nominal Account Maintenance Fee
3000元/年RMB3,000.00 p.a
在企业实体账户下开立虚拟子账户号,虚拟子账户可自定义户名并单独计息,方便公司内部分账的处理。Opening a nominal sub account number under the enterprise entity account, the nominal sub account can customize account name and accrue interests individually, facilitate company&s internal separate account management.&
截止至日暂免As of June 30, 2018 suspended&
对公客户&& Company clients
现金管理业务-集团服务费Cash Management Service- Group Account Maintenance Fee
3000/户/年RMB3,000.00 per group p.a.
集团总公司加挂其分子公司账号在自己名下进行统一管理,可查询分子公司账户余额、资金归集、资金调拨等功能。The parent company adds its subsidiaries& accounts and carries out the unified management in its own control, its enable them inquire subsidiaries& account balances, cash concentration, fund allocation and other cash management functions.
三、账户服务 Account service
序号Number
编号Serial numbers
服务名称Service name
收费标准Charge standard
项目功能 Items function
备注 Remarks
适用客户Applicable client
银行承兑汇票查询 Bank acceptance bill query
手续费：30元/笔 Fee: 30 yuan/T
票据业务查询 Bill business query
对公客户 Company clients
银行询证函、企事业单位存款证明、单位结算记录证明 Bank letter of inquiry, enterprises and institutions certificates of deposit, certificates of corporate account records
手续费：200元/笔 Fee: 200 yuan/T
对外出具证明 Issue a certificate for others
对公客户 Company clients
存单、存折挂失 Report the loss of deposit receipt, passbook
手续费：5元/笔 Fee: 5 yuan/T
挂失 Report of loss
个人客户 Individual clients
个人存款证明 Certificate of personal deposit
手续费：20元/笔 Fee: 20 yuan/T
开立个人存款证明 Issue a certificate of personal deposit
个人客户 Individual clients
银信通 bank SMS Notice
单位用户 Corporate users
手续费：每部手机月信息费30元、三个月信息费90元、六个月信息费150元、年信息费300元 Fee: each phone information costs paid 30 yuan one month, three months is charged 90 yuan, six months is charged 150 yuan, 300 yuan for one year
账户变动短信通知 Account changes SMS notification
首次签约开通对公银信通的客户，免费提供一个月试用期。试用期内申请取消服务的，不收取银信通费用。客户超过试用期申请取消服务的，已扣收的费用不予退还 The first sign up to bank SMS Notice Corporate customers, providing a free month probationary period. To apply for cancellation of service in probation period, not fee charged .To apply for cancellation of service after probation period, have deducted fee will not be returned
对公客户&&&&&& Company clients
个人用户 Individual user
手续费：普通卡帐户（商鼎卡、生肖卡等）每部手机包月信息费3元/月，包年信息费30元；万里物流卡账户按条收费0.1元/条；VIP卡免费 Fee: ordinary card account (Shangding card, Shengxiao card etc.) every mobile phone subscription information costs 3 yuan / month, year information costs 30Wanli logistics card account charges according to 0.1 yuan / VIP card free of charge
账户变动短信通知 Account changes SMS notification
个人客户 Individual clients
人民币单位银行结算账户账户管理费RMB Corporate settlement account management fees
收费标准：20元/月/户，按月计算扣收；当月新开立的和撤销的账户，当月不计算。Fee:20 yuan/month/account, The newly opened and withdrawn accounts for the month are not counted.
提供人民币单位银行结算账户账户(以下简称&账户&)管理综合服务（包括银企对账、打印回单、补制回单、账户年检、变更印鉴、变更账户信息、久悬账户管理、撤销账户等服务）。Provide RMB corporate settlement account(hereinafter referred to as &account&) management services(including bank reconciliations, print receipts, re-print customer receipts,annual account inspection, change the seal, change account information, long suspension account management, cancellation account services,etc.)
一、免除条件：
1、当月日均存款余额1千元以上（包括1千元）的账户。&
2、存款不计息账户（财政零余额账户等财政存款账户）；久悬户（结转久悬之前的欠费不免除）；金融同业机构开立的账户；因验资、增资需要开立的临时存款账户。
3、郑州市区以外的异地分行和郑州市县域支行开立的账户。
4、日之前开立的账户。
二、对上述&一&中的免除条件，本行保留恢复收费的权利，收费标准执行恢复当日的收费标准。
三、如遇账户余额不足形成欠费，本行有权利直接从欠款账户中扣收所欠费用；如遇账户余额不足形成欠费，客户提出销户的，需补足欠费后再销户。
I.Fee waivers:
1.Average daily balance of the account for the current month is ￥1,000 or more.
2.Non-interest bearing deposit accounts(Zero-balance Financial account and other financial accounts); Long suspension account(do not exempt the arrears that generated before); Accounts opened by fi Temporary deposit accounts that are opened with the purpose of verification or capital increase. & &3.The account opened by branches that were set up outside Zhengzhou City (including Zhengzhou County Branches)
4.The account opened before August 1, 2017. &
II.For the exemption from the &I& above, the bank reserves the right to resume charging and the charging standard performs the standard on the day of restoration.&
III.If the account balance is insufficient to form arrears, the bank has the right to directly deduct the arrears owed from if the account balance is insufficient to form arrears, the customer needs to make up arrears before he cancels the account. &&
对公客户 & & & & & & & & Company clients
单位结算卡业务Unit settlement card business
单位结算卡年费Annual Fee of Company Debit Card
200元/年/卡，RMB200.00 per card p.a.
提供以单位结算卡为介质，凭密码为单位客户办理关联单位银行账户支付结算服务Provide corporate customer with transaction and settlement services of the company&s bank account.&
截止至日暂免As of March 31, 2018 suspended
Company clients&
单位结算卡工本费Administrative Charge of Company Debit Card
10元/张，RMB10.00 per card
为客户办理单位结算卡发卡、补卡、换卡等业务Card Issuing, Card Reissuing, Card Replacement and other related services
单位结算卡挂失手续费Loss Reporting Fee
20元/次，RMB20.00 each time
为客户办理单位结算卡挂失业务Loss Reporting Service
单位结算卡境内跨行自助设备取款Domestic Interbank Self-Service Equipment Withdrawals
2元/笔，RMB2.00 per transaction
为持有单位结算卡的客户提供取款服务Company Debit Card Withdrawal service
四、电子银行业务 The electronic banking business
序号Number
编号Serial numbers
服务名称Service name
收费标准Charge standard
项目功能 Items function
备注 Remarks
适用客户Applicable client
网银年费online bank annual fee
个人客户服务Individual customer service
年费：10元/户/年Annual Fee: 10 yuan / account / year
本行银行卡客户开通我行个人网银专业版，按年度向用户收取服务年费，服务内容具体包括：余额查询、交易明细查询、本行行内转账、跨行转账、网银互联、他行资金归集、批量转账、预约转账、公共事业代缴费、手机银行业务签约开通、网上支付业务签约开通等Our bank card customers open our bank personal banking professional edition, charge service fee according to annual. The service includes: balance inquiries, transaction information, bank transfer, interbank transfer, network interconnection, other bank capital accumulation, mass transfer, scheduled transfer, public utilities bill payment, signing open mobile phone banking, signing open online payment business, etc.
取消活动期暂免exemption in active period（删除活动期暂免和英文）
个人客户Individual clients
企业客户服务Enterprise customer service
年费：300元/户/年Annual Fee: 300 yuan / account / year
本行企业客户开通我行企业网银业务，按年度向用户收取服务年费，服务内容具体包括：余额查询、交易明细查询、银企对账、本行行内转账、跨行转账、批量转账、预约转账、网银互联、他行资金归集、代发工资开办等Our enterprise customers to open our enterprise e-banking business, according to the annual service fee charged to the user, charge service fee according to annual. The service includes: balance inquiries, transaction information, bank reconciliations, bank transfer, interbank transfer, mass transfer, appointment transfer, online banking interconnection, other bank capital accumulation, payroll run, and so on.
对公客户 Company clients
网银电子汇划费（对公）Online banking electronic remittance (corporate)
本行转账Bank transfer
手续费：免费Fee: Free
为客户提供同城、异地的跨行汇划服务Provide local, remote cross bank transfer service for customers
截止至日暂免
As of December 31, 2017 suspended&
对公客户 Company clients
国内跨行转账（含普通和加急）Domestic interbank transfer (common and urgent)
1万元以下（含）0-10000 yuan (inclusive)
手续费：4元/笔 Fee: 4 yuan / t
对公客户 Company clients
1-10万元（含） yuan (inclusive)
手续费：8元/笔Fee: 8 yuan / t
对公客户 Company clients
10-50万元（含）000 yuan (inclusive)
手续费：12元/笔Fee: 12yuan / t
对公客户 Company clients
50-100万元（含） million yuan (inclusive)
手续费：16元/笔Fee: 16 yuan / t
对公客户 Company clients
100万元以上More than 1 million yuan
手续费：每笔按汇划金额的万分之零点一六收取，最高160元 Fee: 0.016& of the remittance amount each deal, the highest 160 yuan
对公客户 Company clients
网银电子汇划费（对私）Online banking electronic remittance (Individual)
本行转账Bank transfer
手续费：免费Fee: Free
为客户提供同城、异地的跨行汇划服务Provide local, remote cross bank transfer service for customers
活动期暂免exemption in active period
个人客户Individual clients
国内跨行转账（含普通和加急）Domestic interbank transfer (common and urgent)
0.2万元以下（含）0-2000 yuan (inclusive)
手续费：1.6元/笔Fee: 1.6yuan / T
个人客户Individual clients
0.2-0.5万元（含） yuan (inclusive)
手续费：4元/笔Fee: 4 yuan / T
个人客户Individual clients
0.5-1万元（含）yuan (inclusive)
手续费：8元/笔Fee: 8 yuan / T
个人客户Individual clients
1-5万元（含） yuan (inclusive)
手续费：12元/笔Fee:12yuan / T
个人客户Individual clients
5万元以上More than50000 yuan
手续费：每笔按汇划金额的万分之二点四收取，最高40元Fee: two point four ten thousand points of the remittance amount each deal, the highest 40 yuan
个人客户Individual clients
手机银行年费Mobile phone bank annual fees
个人客户服务Personal customer service
年费：10元/户/年 Annual Fee: 10 yuan / account / year
年度向用户收取服务年费,服务内容具体包括:余额查询、交易明细查询、本行行内转账、跨行转账、公共事业代缴费等Our bank card customers open our personal mobile phone banking professional edition, charge service fee according to annual. The service includes: balance inquiries, transaction information, bank transfer, inter-bank transfer, public utilities bill payment etc.
活动期暂免Exemption in active period
个人客户Individual clients
手机银行电子汇划费Mobile phone banking electronic remittance fee
本行转账Bank transfer
手续费：免费 Fee: Free
为客户提供同城、异地的跨行汇划服务Provide local, remote cross bank transfer service for customers
活动期暂免Exemption in active period
个人客户Individual clients
国内跨行转账（含普通和加急）Domestic interbank transfer (common and urgent)
0.2万元以下（含）0-2000 yuan (inclusive)
手续费：1.6元/笔Fee: 1.6yuan / T
个人客户Individual clients
0.2-0.5万元（含） yuan (inclusive)
手续费：4元/笔Fee: 4 yuan / T
个人客户Individual clients
0.5-1万元（含）yuan (inclusive)
手续费：8元/笔Fee: 8yuan / T
个人客户Individual clients
1-5万元（含） yuan (inclusive)
手续费：12元/笔Fee: 12yuan / T
个人客户Individual clients
5万元以上More than50000 yuan
手续费：每笔按汇划金额的万分之二点四收取，最高40元 Fee: two point four ten thousand points of the remittance amount each deal, the highest 40 yuan
个人客户Individual clients
五、同业业务Inter-bank business/ Trade business
序号Number
编号Serial numbers
服务名称Service name
收费标准Charge standard
项目功能 Items function
备注 Remarks
适用客户Applicable client
资金保管服务 Fund custody services
手续费：按协议价收取,最高不超过代保管资金的1%（含） Fee: According to the agreement price charge, highest do not exceed 1% of the custody funds (inclusive)
根据客户的申请为客户保管财产专户的资金，按照客户的要求及合同约定进行相关的资金划转，提供财产交易记录、资金和财产账目等Custody of property special accounts for the client according to the client's application. In accordance with the requirements of clients and the contract in transferring funds, provide relevant property transactions records, funds and property accounts and so on.
可一次性或按季、年收取one-time or quarterly, annual charge
同业机构Trade organization
资金使用监管服务Funds use supervision services
手续费：按协议价收取,最高不超过代监管资金的2%（含） Fee: According to the agreement price charge, highest do not exceed 2% of the supervision funds (inclusive)
对监管账户内的资金使用进行监督等Supervise the using of the supervision fund
可一次性或按季、年收取one-time or quarterly, annual charge
同业机构Trade organization
资产管理服务Asset management services
手续费：按协议价收取,最高不超过代管理资产的2%（含） Fee: According to the agreement price charge, highest do not exceed 2% of the regulatory funds (inclusive)
按照客户申请对资产进行管理，根据客户要求划转支付款项，并按照合同约定向客户尽到资产管理提醒职责，按照客户要求提供管理报告和财务报表According to the client application to manage assets, transfer payment according to client requirements, and according to contract agreement to fulfill asset management and remind client responsibility, provide management reports and financial statements according to client requirements
可一次性或按季、年收取one-time or quarterly, annual charge
同业机构Trade organization
资产转让业务Asset transfer business
资金安排服务Funding arrangement service
手续费：按协议价收取,最高不超过安排资金的2%（含） Fee: According to the agreement price charge, highest do not exceed 2% of the arrangement funds (inclusive)
为客户安排资金和提供资金支持Arrange capital and funding support for the client
可一次性或按季、年收取one-time or quarterly, annual charge
同业机构Trade organization
转让业务托收管理服务Ransfer business collection management service
手续费：按协议价收取,最高不超过托管资金的2%（含） Fee: According to the agreement price charge, highest do not exceed 2% of the trusteeship funds (inclusive)
向受让方转让资产或受益权并提供的托收管理服务，由受让方支付的服务费Transfer assets or beneficial right to the assignee and provide collection management service, The service fee paid by the assignee.
可一次性或按季、年收取one-time or quarterly, annual charge
同业机构Trade organization
专项财务顾问服务The special financial advisory services
专项投融资服务Special investment and financing services
手续费：按协议价收取,最高不超过投融资金额的2%（含） Fee: According to the agreement price charge, highest do not exceed 2% of the investment and financing funds (inclusive)
按照客户申请向客户提供投融资建议，寻找并落实融资顾问服务机构及资金合作方，协助客户就目标项目制定合理可行的融资方案，协助客户与其他方的协调沟通等According to the client application to provide investment and financing advice, to find and implement financing advisory services and capital partners, help customers work feasible financing options of the target project, help customer and others communication, etc.
可一次性或按季、年收取one-time or quarterly, annual charge
同业机构Trade organization
专项财务管理顾问服务The special financial management consultancy services
手续费：按协议价收取 Fee: According to the agreement price charge
帮助客户完善财务管理制度和系统，优化财务结构，提高资金的使用效率及日常财务咨询服务等Help customers to improve the system of financial management and regulations, optimize the financial structure, and improve the efficiency of using funds and daily financial advisory services
可一次性或按季、年收取one-time or quarterly, annual charge
同业机构Trade organization
六、国际业务International business
序号Number
编号Serial numbers
服务名称Service name
收费标准Charge standard
项目功能 Items function
备注 Remarks
适用客户Applicable client
汇出汇款Outward remittance
汇出汇款（含跨境人民币）Outward remittance (including cross-border RMB)
手续费：按汇款金额的1&收取，境外电汇、境内异地电汇最低50元/笔，最高200元/笔，不足50元的收取50元。另加收SWFIT电讯费和邮电费（如有）Fee: charge according to the amount of 1 &, overseas wire transfer, domestic long-distance wire transfer in the lowest 50 yuan /T, the highest 200 yuan / T, less than 50 yuan charge 50 yuan. Additional SWFIT Telecom fees and postal fees (if any)
提供汇出汇款服务Provide outward remittance service
1、SWFIT电讯费:最低同城20元/笔，境内（含港澳）异地100元/笔，境外150元/笔，超过篇幅的，加收电讯费；2、邮电费：据实收取1、SWFIT Telecom fees: same city minimum 20 yuan/T, China (including Hong Kong and Macao) different city in 100 yuan / T, outside 150 yuan / T, charge extra tel
2、post fee: Charge according to the facts
个人客户Individual clients
手续费：按汇款金额的1&收取，境外电汇、境内异地电汇最低50元/笔，最高1000元/笔，不足50元的收取50元；同城电汇最低20元/笔，最高200元/笔,不足20元的收取20元。另加收SWFIT电讯费和邮电费（如有）Fee: charge according to the amount of 1 &, overseas wire transfer, domestic long-distance wire transfer in the lowest 50 yuan /T, the highest 1000 yuan / T, less than 50 yuan charge 50 The same city by the lowest 20 yuan / T, the highest 200 yuan / T, less than 20 yuan charge 20 yuan. Additional SWFIT Telecom fees and postal fees (if any)
提供汇出汇款服务Outward remittance query check answer, modify, report the loss and stop payment remittance
对公客户&& Company clients
汇出汇款查询查复、汇款指示修改、挂失、止付Outward remittance query check answer, modify, report the loss and stop payment remittance
手续费：汇出汇款修改、查询查复20元/笔;挂失、止付50元/笔。另加收SWFIT电讯费和邮电费（如有）Fee: outward remittance modify, query check answer 20 yuan/T; Report the loss, stopped paying 50 yuan/T. Additional SWFIT telecom fee and postal fee (if any)
汇款指令发出后,根据汇款人申请提供汇出汇款查询查复、汇款指示修改、挂失、止付After the issue of the remittance instructions according to the remitter application for outward remittance query check answer, modify, report the loss and stop payment remittance instructions.
个人客户 Individual clients
手续费：100元/笔，另加收SWFIT电讯费和邮电费（如有）Fee: 100 yuan / T, additional SWFIT telecom fee and postal fee (if any)
汇款指令发出后,根据汇款人申请提供汇出汇款查询查复、汇款指示修改、挂失、止付.After the issue of the remittance instructions according to the remitter application for outward remittance query check answer, modify, report the loss and stop payment remittance instructions.
对公客户&& Company clients
汇入汇款Inward remittance
退汇Reexchange
手续费：按退汇金额的1&收取，最低20元/笔，最高300元/笔，不足20元的收取20元。另加收SWFIT电讯费和邮电费（如有）Fee: charge by reexchange amount of 1 &, minimum 20 yuan/T, up to 300 yuan/T, less than 20 yuan charge 20 yuan. Additional SWFIT telecom fee and postal fee (if any)
提供汇入汇款退汇服务Provide remittance refund service
个人客户Individual clients
手续费：按退汇金额的1&收取，最低100元，最高1000元，不足100元的收取100元，受益人拒收或无受益人时，从退汇款中扣收。另加Fees: charge by reexchange amount of 1 &, minimum 100 yuan, up to 1000 yuan, less than 100 yuan charge 100 yuan, the beneficiary refuse or no beneficiary, can deduct from the refund. Additional SWFIT telecom fee and postal fee (if any)收SWFIT电讯费和邮电费（如有）
提供汇入汇款退汇服务Provide remittance refund service
对公客户&& Company clients
进口信用证 Import L/C
开证 Issuing L/C
手续费：按开证金额的1.5&收取，最低200元/笔。另加收SWFIT电讯费和邮电费（如有） Fee: 1.5 & of the issuing amount , the lowest 200 yuan/T. Additional SWFIT telecom fee and postal fee (if any)
提供信用证开证服务 Provide the L/C issuing service
1、SWFIT电讯费:最低同城20元/笔，境内（含港澳）异地100元/笔，境外150元/笔，超过篇幅的，加收电讯费；2、邮电费：据实收取；3、收费币种:各项业务可根据实际情况及客户要求自行决定收费币种并按我行公布的外汇牌价收取等值货币。其中，等值货币根据业务发生当日总行公布的相关货币现汇卖出价进行折算。1、SWFIT Telecom fees: same city minimum 20 yuan/T, China (including Hong Kong and Macao) different city in 100 yuan / T, outside 150 yuan / T, charge extra tel
2、post fee: Charge according to the facts
3、Currency: according to the actual situation and customer requirements to decide the charge of currency and charge the monetary equivalent
according to the exchange rate announced by the monetary equivalent charge. Among them, the monetary equivalent according to the service occurred on the same day the head office published the related currency spot selling rate conversion.
对公客户&& Company clients
修改 Amending L/C
手续费：按200元/笔收取；涉及金额增加按新开标准计收，最低200元/笔。另加收SWFIT电讯费和邮电费（如有） Fee: 200 yuan/ T; Involves amount increasing according to the new issuing standards, the lowest 200 yuan/T. Additional SWFIT telecom fee and postal fee (if any)
提供信用证修改服务 Provide the L/C amending service
对公客户&& Company clients
承兑、延期付款承诺Acceptance、Deferred payment commitments
手续费:90天（含）以内的信用证，按承兑额1&收取,90天以上的，按承兑额2&收取,最低200元/笔,另加收SWFIT电讯费和邮电费（如有）。向受益人收取的，等值USD30/笔。低风险开证业务一次性收取200元/笔 Fee: L/C within 90 days (including) , 1& of the acceptance amount to charge,L/C more than 90 days, 2&of the acceptance amount to charge, the lowest 200 yuan/T, additional SWFIT telecom fee and postal fee (if any). Charged to the beneficiary, the equivalent$30/T.Low risk issuing business one-time charge 200 yuan / T
为客户提供远期信用证\延期付款信用证提供承兑、延期付款承诺服务 Provide the customers with the usance L/C \ deferred payment L/C acceptance, deferred payment commitment service
对公客户&& Company clients
开证行审单 Reviewing the documents by issuing bank
手续费:20美元/套单据 Fee: $20 / set of documents
提供单据审核服务 Provide the service reviewing the documents
对公客户&& Company clients
偿付 Reimbursement
手续费:30美元/笔 Fee: $30 / T
提供资金清算服务 Provide fund settlement service
对公客户&& Company clients
不符点处理 Discrepancies processing
手续费:50美元/笔 Fee: $50 /T
提供不符点风险提示服务 Provide reminding discrepancies risk service
对公客户&& Company clients
提货担保、提单背书 Delivery guarantee,The bill of lading endorsement
手续费:300元/笔 Fee:300yuan /T
为客户提取货物提供银行信誉担保Provide the customer with bank credit guarantee for taking the goods
对公客户&& Company clients
退单 Returning the documents
手续费:200元/笔，另加收SWFIT电讯费和邮电费（如有）Fee: 200 yuan/ T, additional SWFIT telecom fee and postal fee (if any)
根据客户委托,提供退单服务 According to the consignment of the clients ,Provide returning the documents service
对公客户&& Company clients
效期内撤销 Cancling L/C in period of validity
手续费:100元/笔，另加收SWFIT电讯费和邮电费（如有）Fee: 100yuan / T, additional SWFIT telecom fee and postal fee (if any)
提供效期内进口信用证撤销服务 Provide cancling L/C service in the effective period
对公客户&& Company clients
Export L/C出口信用证
通知或转递 Advising or transfering
手续费:200元/笔，交单免收 Fee: 200 yuan/ T, free charge against documents
提供信用证通知或转递服务 Provide advising or forwarding L/C service
对公客户&& Company clients
通知或转递信用证修改 Advising or transfering the amending of L/C
手续费:100元/笔，交单免收 Fee:100 yuan/T, free charge against documents
提供通知或转递信用证修改服务 Provide advising or forwarding L/C amending services
对公客户&& Company clients
出口信用证修改（含转让信用证）、换单、退单 Amending of Export L/C(containing tranfering L/C)、Replacing the documents、Returning the documents)
手续费:200元/笔，涉及增额的按增加金额的1.25&收取。另加收SWFIT电讯费和邮电费（如有） Fee:200yuan /T, involving amount increasing in accordance with the increasing amount of 1.25 & charge. Additional SWFIT telecom fee and postal fee (if any)
提供出口信用证修改（含转让信用证）、换单、退单服务 Provide the service of amending the export L/C(including transferred L/C)、replacing the documents、returning the documents
对公客户&& Company clients
保兑信用证(含通知费) Confirmed the L/C
手续费:按保兑金额的1.5&/季收取，最低300元/笔，不足一季按一季收取 Fee: 1.5 & / quarter of the confirmed amount , the lowest 300 yuan/T, Less than a quarter by a quarter charge
为他行开立的信用证加具保兑 add its confirmation to other banks'L/C
对公客户&& Company clients
验单（出口验单） Reviewing the documents for exporting
手续费:按出单金额1.25&收取，最低300元/笔。另加收SWFIT电讯费和邮电费（如有） Fee: 1.25& of the amount of documents , the lowest 300 yuan/T. Additional SWFIT telecom fee and postal fee (if any)
提供单据审核、系统处理服务 Provide documents reviewing, system processing service
对公客户&& Company clients
转让信用证 transferred the L/C
手续费:按信用证金额的1&收取，最低200元/笔，最高1000元/笔 Fee: 1& of the credit amount, the lowest 200 yuan/T, the highest 1000 yuan/T
提供开立转让信用证服务 Provide the service of issuing the transferred L/C
对公客户&& Company clients
出口托收 Collection
出口托收 Export collection
光票托收手续费：按托收金额的1&收取，最低50元/笔，最高500元/笔（签订托收协议的除外）。
跟单托收手续费：按托收金额的1&收取，最低100元/笔，最高2000元/笔。另加收SWFIT电讯费和邮电费（如有）Clean collection fee: 1& of the amount of charge collection , lowest 50 yuan / T, the highest 500 yuan /T (Except the collection agreement signed).
Documentary collection fee: 1& of the amount of charge collection , lowest 100 yuan /T, the highest 200