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【判断题】
个人存款当日存入,当日可以跨机构支取
A. 对
B. 错
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答案
A
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有价单证是指具有面值的持殊凭证,如国库券、金融债券、定额存单等,应视同现金管理
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内勤主任或会计主管每季度至少检查一次有价单证库存,帐实核对相符后,填写查库记录,以备查考
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重要空白凭证是指由村镇银行或单位填写金额并经签章后即具有支取款项效力的空白凭证
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重要空白凭证的管理要贯彻“证印分管,证押分管”的原则,实行专人负责,入柜保管,并经常进行帐、证核对,保证帐实相符
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内勤主任或会计主管每月应对重要空白的使用,结存数量进行清查核对,并在登记簿上进行登记
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汇款人委托银行将款项支付给收款人的结算方式是汇兑
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储蓄定期存款部分提前支取只能部提2次,部提时帐户作销户处理
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对临时存款账户使用的最长有效期限为三年
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零存整取储蓄存款可以部分提前支取
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B. 错
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现金调拨只能在同一营业网点进行
A. 对
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在办理通存通兑业务中,存款人在异地办理存入款项可以不按实名制办理
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对储蓄存款利息所得征收个人所得税,以结付利息的储蓄机构为扣缴义务人,实行代扣代缴
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各储蓄机构必须保证储蓄存款的支取,不得以任何理由拒绝储蓄存款的提取
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活期储蓄存款的存入期内遇有利率调整,按存单开户日挂牌公告的活期储蓄存款利率付利息
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如单位银行结算账户的存款人经营地与注册地不在同一地方的,则可以在经营地与注册地分别开立一个基本存款账户
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根据《银行账户管理办法》的规定,个人也可以在银行开立基本存款账户
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B. 错
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一般存款账户的存款人可以通过本账户办理转账结算和现金缴存,但不能办理现金支取
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依照《银行账户管理办法》的规定,存款因更新改造设备拨付资金的需要,可以开立一般存款账户
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在汇兑过程中,对于开立银行账户的收款人,银行应将款项直接转入收款的账户,银行确实将款项转入其账户的凭据是汇款回单
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