0第四部分存款业务.......................................................................................................................1第一章个人存款业务...........................................................................................................1第一节概述...................................................................................................................1第二节个人活期存款.....................................................................................................3第三节个人活期存单...................................................................................................15第四节个人整存整取存款...........................................................................................19第五节个人定活两便存款...........................................................................................27第六节个人通知存款...................................................................................................32第七节个人七天理财...................................................................................................40第八节个人零存整取存款.........................................................................................46第九节个人教育储蓄存款...........................................................................................52第十节个人整存零取存款...........................................................................................58第十一节个人存本取息存款.......................................................................................63第十二节个人活期保证金存款...................................................................................69第十三节个人定期保证金存款...................................................................................75第十四节睡眠账户管理...............................................................................................79第十五节个人账户签约及信息维护...........................................................................81第十六节个人账户凭证管理.......................................................................................87第十七节继承存款支取...............................................................................................93第二章单位存款业务.........................................................................................................94第一节单位活期存款账户...........................................................................................95第二节财政预算单位零余额账户.............................................................................114第三节注册验资、增资验资账户.............................................................................118第四节单位定期存款账户.........................................................................................131第五节单位通知存款账户.........................................................................................141第六节协议存款.........................................................................................................151第七节单位保证金存款账户.....................................................................................152第八节财政组合账户.................................................................................................158第九节集团客户.......................................................