目录一、个人负债业务··········································1（一）活期储蓄存款······································1（二）整存整取定期储蓄存款··························2（三）零存整取············································4（四）教育储蓄············································6（五）定活两便············································7（六）存本取息··········································11（七）个人通知存款····································12（八）“双利丰”个人通知存款·····················15（九）挂失业务··········································17（十）预约制度··········································19（十一）小额帐户管理费······························19二、个人资产业务·········································21三、个人理财业务·········································24（一）我行自有理财产品······························24（二）开放式基金·······································25（三）代理保险··········································27（四）凭证式国债·······································28（五）储蓄国债··········································29（六）柜台记帐式国债·································31（七）第三方存管业务·································34（八）个人实物贵金属买卖业务·····················37三、银行卡业务············································40（一）借记卡·············································40（二）贷记卡·············································42（三）商户分期··········································45（四）帐单分期··········································47四、电子银行业务·········································48（一）个人网银··········································48（二）手机银行··········································50（三）个人手机信使····································51（四）个人电话银行····································52五、个人结算业务·········································53（一）人民币汇兑·······································53（二）西联汇款································...
