第1页共40页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页共40页小额支付系统业务处理手续（试行）目录壹清算科目及清算账户..........................................................77一、会计科目.................................................................................................................77二、账户设置.................................................................................................................78贰小额支付业务......................................................................78一、普通贷记业务.........................................................................................................78二、定期贷记业务.........................................................................................................80三、实时贷记业务.........................................................................................................80四、普通借记业务.........................................................................................................83五、定期借记业务.........................................................................................................86六、实时借记业务.........................................................................................................87七、跨行通存通兑业务.................................................................................................87八、同城清算系统轧差净额的业务处理.....................................................................89九、清算组织代收、代付业务的处理.........................................................................90叁净借记限额的管理..............................................................91一、净借记限额的设置与调整.....................................................................................91第2页共40页第1页共40页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第2页共40页二、净借记限额检查的处理.........................................................................................92三、净借记限额的内部均衡.........................................................................................93四、排队业务的处理.....................................................................................................93五、净借记限额的查询与监控.....................................................................................95六、净借记限额的预警.................................................................................................95肆轧差和资金清算的处理......................................................95一、轧差处理.................................................................................................................95二、资金清算.................................................................................................................96三、调息处理.................................................................................................................97伍冲正、止付、退回业务的处理..........................................98一、冲正业务的处理.....................................................................................................98二、止付业务的处理.....................................................................................................98三、退回业务的处理................................................................
