中国工商银行个人金融业务操作规程（NOVA+1.3.2版本）个人金融业务部2011年7月1日目录第一章储蓄业务.....................................................................................................................................5第一节个人账户开户.........................................................................................................................5四、批量开立定期存单...................................................................................................................5第二章借记卡业务操作规程.................................................................................................................7第一节开卡.........................................................................................................................................7五、灵通卡预填单开卡...................................................................................................................7第十节综合类交易...........................................................................................................................10三、借记卡功能个性化定制.........................................................................................................10第十四节借记卡境外大额消费电话核实服务...............................................................................11一、电话核实协议签订.................................................................................................................11二、电话核实协议终止.................................................................................................................13三、电话核实协议查询变更.........................................................................................................13第三章个人中间业务...........................................................................................................................14第八节柜面通业务...........................................................................................................................14一、柜面通现金存款.....................................................................................................................14二、柜面通转账存款.....................................................................................................................15三、柜面通现金汇款.....................................................................................................................15四、柜面通转账汇款.....................................................................................................................16五、柜面通取款.............................................................................................................................17六、柜面通疑账查询/处理...........................................................................................................18七、柜面通交易明细查询.............................................................................................................18八、柜面通查询.............................................................................................................................18第四章个人理财业务...........................................................................................................................19第一节本外币理财业务.........................................................................
