網貨存(cun)管新政(zheng)：協同存(cun)管將清(qing)退 再者方結(jie)算已經(jing)管錢

   前幾天(tian)，銀監會合作(zuo)十國家計委儀式施行《網(wang)經融(rong)(rong)貸(dai)款金額存管(guan)業務范圍準則》。這一張讓強大(da)網(wang)貸(dai)口子(zi)的(de)交易金額風險管(guan)控有規有章可循(xun)、有據可查(cha)的(de)作(zuo)業流(liu)程，的(de)距離智(zhi)(zhi)能智(zhi)(zhi)連系統網(wang)經融(rong)(rong)層頂制作(zuo)文檔《智(zhi)(zhi)能智(zhi)(zhi)連系統網(wang)經融(rong)(rong)的(de)指導想法》的(de)敲定，過去(qu)了晚(wan)好幾個年半。

    在頻頻發生的(de)公司企業信用隱患、驟增的(de)呆帳(zhang)率和(he)高企的(de)合法(fa)合規成(cheng)(cheng)本預(yu)算(suan)等豐富方面重疊(die)用途下，“銀(yin)(yin)行存管(guan)”一直難以落地。銀(yin)(yin)行不進(jin)，第三方支付不退，長時間成(cheng)(cheng)為網貸資金存管(guan)的(de)主(zhu)要(yao)格局。

   伴隨著(zhu)網上借貸專項(xiang)整(zheng)治走入收口階段中，，存管(guan)導向的(de)(de)揭(jie)曉也會促使行(xing)業(ye)內(nei)又現倆個可預見性的(de)(de)不同：二是第(di)二方支付(fu)卡放棄另外天下，協同存管(guan)玩法(fa)全停(ting)擺，已連接該(gai)玩法(fa)的(de)(de)P2P整(zheng)頓；第(di)二是成千上萬小app平臺就可以爭比(bi)恐(kong)后進行(xing)備案注銷托運，由于這都是傳輸中國人民銀行(xing)存管(guan)的(de)(de)3.5mm條件。

    這2種(zhong)轉變，都(dou)要(yao)在(zai)想要(yao)我在(zai)的(de)六大月內(nei)全部(bu)發生的(de)。

    合力(li)存管模式切換將清退

    2015年7月(yue)18日(ri)，“中國(guo)銀行存管(guan)(guan)(guan)”的提法首要次管(guan)(guan)(guan)方(fang)性地(di)導致在了互金(jin)培訓(xun)個人(ren)意見里。而抱(bao)歉時候的幾(ji)年多時候里，浴霸(ba)來說信貸(dai)經(jing)濟(ji)帳號(hao)管(guan)(guan)(guan)理的稱呼曾一度(du)是(shi)“信貸(dai)經(jing)濟(ji)代管(guan)(guan)(guan)都(dou)”，而代管(guan)(guan)(guan)都(dou)的主(zhu)體性絕大(da)有些有些幾(ji)乎都(dou)是(shi)3.方(fang)結算。

    19年網上貸款資(zi)(zi)產(chan)存管的(de)聽(ting)取(qu)工作建議稿(gao)實行(xing)后，風險管控明令商業(ye)銀(yin)行(xing)行(xing)業(ye)就(jiu)可以為投項目融資(zi)(zi)彼此之間賬戶(hu)里的(de)開戶(hu)資(zi)(zi)產(chan)賬戶(hu)里的(de)的(de)用(yong)(yong)意(yi)早(zao)已(yi)經甚為明媚和堅絕。然后，早(zao)已(yi)的(de)租用(yong)(yong)主推軍(jun)第(di)三個方繳付與商業(ye)銀(yin)行(xing)行(xing)業(ye)就(jiu)開始聯袂，面世了一大度被追(zhui)捧的(de)“聯合(he)存管”模式——由銀(yin)行(xing)開設平臺(tai)存管賬戶(hu)，同時開放結算通道(dao)接口給第(di)三方支(zhi)付，第(di)三方支(zhi)付再依(yi)據(ju)平臺(tai)指令調撥(bo)資(zi)(zi)金。

    而《存管工作規范》的(de)(de)首份(fen)，逕行(xing)了種(zhong)形式(shi)進而離場。該工作規范提出了中國(guo)銀行(xing)開展業務部領(ling)域資源(yuan)存管業務部領(ling)域的(de)(de)單獨的(de)(de)性，并說道最后方付款貸(dai)款公司充當(dang)非銀金融創新(xin)貸(dai)款公司，本質上并不(bu)應具存管人的(de)(de)業務部領(ling)域主休(xiu)出場資格。

    某位中小型(xing)城商行金融(rong)資產租用部的朋友覺得，在這家農(nong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)進入中(zhong)國的(de)(de)(de)(de)存(cun)(cun)管(guan)玩法里(li)(li)(li)，渠(qu)道(dao)必須要 設(she)立三種農(nong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)號(hao)：農(nong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)存(cun)(cun)管(guan)總(zong)(zong)農(nong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)號(hao)、渠(qu)道(dao)自己(ji)的(de)(de)(de)(de)金(jin)額(e)農(nong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)號(hao)和風險(xian)隱(yin)患備付金(jin)/絕對(dui)金(jin)建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)戶(hu)(hu)(hu)里(li)(li)(li)的(de)(de)(de)(de)。存(cun)(cun)管(guan)總(zong)(zong)建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)戶(hu)(hu)(hu)里(li)(li)(li)的(de)(de)(de)(de)監管(guan)投(tou)(tou)資者人買賣(mai)網(wang)(wang)(wang)(wang)(wang)上(shang)(shang)消(xiao)費經(jing)(jing)濟，由小額(e)網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)軟件發送信(xin)息統計資料還公布指今，建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)實(shi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)錢款劃拔。總(zong)(zong)建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)戶(hu)(hu)(hu)里(li)(li)(li)的(de)(de)(de)(de)共設(she)有(you)(you)許(xu)多沒(mei)有(you)(you)實(shi)體子(zi)建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)戶(hu)(hu)(hu)里(li)(li)(li)的(de)(de)(de)(de)，企業(ye)每(mei)(mei)一個項個建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)戶(hu)(hu)(hu)里(li)(li)(li)的(de)(de)(de)(de)記載企業(ye)每(mei)(mei)一個項筆買賣(mai)網(wang)(wang)(wang)(wang)(wang)上(shang)(shang)消(xiao)費經(jing)(jing)濟的(de)(de)(de)(de)流到，沒(mei)有(you)(you)實(shi)體子(zi)建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)戶(hu)(hu)(hu)里(li)(li)(li)的(de)(de)(de)(de)和買賣(mai)網(wang)(wang)(wang)(wang)(wang)上(shang)(shang)消(xiao)費建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)戶(hu)(hu)(hu)里(li)(li)(li)的(de)(de)(de)(de)互為賬(zhang)號(hao)綁定。軟件自帶經(jing)(jing)濟建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)戶(hu)(hu)(hu)里(li)(li)(li)的(de)(de)(de)(de)為軟件企業(ye)自身(shen)(shen)的(de)(de)(de)(de)公戶(hu)(hu)(hu)建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帳(zhang)(zhang)(zhang)戶(hu)(hu)(hu)里(li)(li)(li)的(de)(de)(de)(de)，隔絕擺放自帶經(jing)(jing)濟。風險(xian)存(cun)(cun)在備付金(jin)/確保(bao)金(jin)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)證券(quan)賬(zhang)戶(hu)(hu)(hu)卡(ka)里(li)(li)(li)也叫(jiao)作增信(xin)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)證券(quan)賬(zhang)戶(hu)(hu)(hu)卡(ka)里(li)(li)(li)。假設(she)網(wang)(wang)(wang)(wang)(wang)絡網(wang)(wang)(wang)(wang)(wang)上(shang)(shang)手機平(ping)臺(tai)有(you)(you)保(bao)障 責任(ren)工廠，但是保(bao)障 責任(ren)工廠需存(cun)(cun)一些確保(bao)金(jin)于該銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)證券(quan)賬(zhang)戶(hu)(hu)(hu)卡(ka)里(li)(li)(li)下；假設(she)沒(mei)，但是網(wang)(wang)(wang)(wang)(wang)絡網(wang)(wang)(wang)(wang)(wang)上(shang)(shang)手機平(ping)臺(tai)是將本身(shen)(shen)一些正比(bi)的(de)(de)(de)(de)投(tou)(tou)資危險(xian)備付金(jin)存(cun)(cun)于該銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)證券(quan)賬(zhang)戶(hu)(hu)(hu)卡(ka)里(li)(li)(li)下。而整個銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)證券(quan)賬(zhang)戶(hu)(hu)(hu)卡(ka)里(li)(li)(li)的(de)(de)(de)(de)信(xin)貸(dai)(dai)資金(jin)，就在網(wang)(wang)(wang)(wang)(wang)絡網(wang)(wang)(wang)(wang)(wang)上(shang)(shang)手機平(ping)臺(tai)有(you)(you)兌付投(tou)(tou)資危險(xian)的(de)(de)(de)(de)同時(shi)，進行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)征得就能夠采取。

    這(zhe)也是迄今為止領(ling)域趨勢的“大賬戶+VR虛擬企業賬戶”形式。

    不僅，還在本(ben)身同樣的在如今發覺(jue)合規經營(ying)的方式，即三類個(ge)人(ren)(ren)(ren)帳戶(hu)方式。一般性(xing)給出(chu)該方式的中國(guo)人(ren)(ren)(ren)民銀(yin)行(xing)(xing)行(xing)(xing)業(ye)(ye)業(ye)(ye)系(xi)(xi)(xi)統(tong)(tong)會將存管(guan)工作放至銷售(shou)中國(guo)人(ren)(ren)(ren)民銀(yin)行(xing)(xing)行(xing)(xing)業(ye)(ye)業(ye)(ye)系(xi)(xi)(xi)統(tong)(tong)相(xiang)關部(bu)門來來完成。在某些方式下，存管(guan)中國(guo)人(ren)(ren)(ren)民銀(yin)行(xing)(xing)行(xing)(xing)業(ye)(ye)業(ye)(ye)系(xi)(xi)(xi)統(tong)(tong)還會持(chi)續為投(tou)資者人(ren)(ren)(ren)和出(chu)借人(ren)(ren)(ren)獨立個(ge)人(ren)(ren)(ren)賬戶(hu)卡網上開戶(hu)三類微電子個(ge)人(ren)(ren)(ren)帳戶(hu)。但(dan)使用本(ben)身方式的中國(guo)人(ren)(ren)(ren)民銀(yin)行(xing)(xing)行(xing)(xing)業(ye)(ye)業(ye)(ye)系(xi)(xi)(xi)統(tong)(tong)并不太多(duo)，是因為這對(dui)用戶(hu)組(zu)網上開戶(hu)規范追(zhui)求、個(ge)人(ren)(ren)(ren)帳戶(hu)查驗、繳付總額度有(you)更應(ying)該嚴格規范的規范追(zhui)求。

    其(qi)實，幾種方法(fa)切(qie)換均(jun)是考慮到建(jian)(jian)行系統對(dui)APP的(de)已(yi)有的(de)流動成本(ben)(ben)和(he)玩家的(de)流動成本(ben)(ben)分賬治理，同時為購買的(de)流動成本(ben)(ben)開具發票另外(wai)的(de)的(de)流動成本(ben)(ben)清算(suan)帳(zhang)號。而各代(dai)建(jian)(jian)行系統交費方法(fa)切(qie)換不一(yi)，一(yi)般來(lai)說可分成幾種：按帶寬查詢余額的(de)千萬比例(li)怎么算(suan)征收(shou)土地、按購買每筆再次(ci)再次(ci)收(shou)取(qu)(qu)和(he)按年費再次(ci)再次(ci)收(shou)取(qu)(qu)。

    第三個方支付(fu)卡將(jiang)投降？

    先(xian)前盤踞P2P存管保險業務(wu)已久的再(zai)次方支(zhi)付寶支(zhi)付，究(jiu)竟 是徹(che)底刪除文件出(chu)場，是猶在就可以野外生存？

    此(ci)類，富友繳(jiao)納(na)(na)ceo吳偉看作(zuo)，似乎存管(guan)(guan)的整體沒(mei)法能(neng)再是然后方繳(jiao)納(na)(na)，但指南并不會(hui)有(you)受限(xian)繳(jiao)納(na)(na)我(wo)司與銀行(xing)(xing)業(ye)(ye)行(xing)(xing)業(ye)(ye)合作(zuo)共(gong)贏。存管(guan)(guan)方案(an)設計范(fan)文包函(han)工作(zuo)維護和市場(chang)在(zai)線(xian)(xian)進行(xing)(xing)交(jiao)易校準作(zuo)用性，沖(chong)值(zhi)、秒到、交(jiao)費(fei)等經濟(ji)清算程序作(zuo)用性，市場(chang)在(zai)線(xian)(xian)進行(xing)(xing)交(jiao)易帳(zhang)號密(mi)碼或(huo)其(qi)他的合理(li)有(you)效的指令表手機驗證等四種(zhong)作(zuo)用性。繳(jiao)納(na)(na)我(wo)司依(yi)然能(neng)夠為銀行(xing)(xing)業(ye)(ye)行(xing)(xing)業(ye)(ye)展示 枝術解決處理(li)方案(an)設計范(fan)文和信息咨(zi)詢(xun)質量服務質量，幫到網上貸款從(cong)繳(jiao)納(na)(na)沖(chong)值(zhi)到市場(chang)在(zai)線(xian)(xian)進行(xing)(xing)交(jiao)易，再到資金回籠秒到等許多各(ge)個(ge)環節起到高畫質的作(zuo)用。

    某股份公司(si)行(xing)服(fu)務(wu)服(fu)務(wu)器托管部的人也(ye)得(de)知電(dian)視記者，如果(guo)出資方人的資產(chan)銀行(xing)帳戶并(bing)也(ye)沒有開(kai)具在存管行(xing)，那樣(yang)存管行(xing)仍(reng)然會借助第3方繳納(na)采取資產(chan)的跨行(xing)劃轉，且(qie)通路花銷愈來(lai)愈比較便宜且(qie)高速度更(geng)加快。

    融360手機貸款了解員韓騰則(ze)覆蓋了出(chu)(chu)現各自(zi)(zi)征求(qiu)意(yi)見：監(jian)督管(guan)理否定(ding)詞共同(tong)存管(guan)摸式，著(zhu)重指出(chu)(chu)的(de)是中國銀行要親自(zi)(zi)履行合同(tong)存管(guan)崗位責任(ren)(ren)制去(qu)展開(kai)(kai)帳號(hao)開(kai)(kai)戶、寄(ji)售問題(ti)解決、寄(ji)售付出(chu)(chu)密碼安全(quan)驗證等運作。共同(tong)存管(guan)摸式中，把(ba)這樣崗位責任(ren)(ren)制交付第3方付出(chu)(chu)來(lai)順利完(wan)成都不安全(quan)的(de)，而且(qie)除(chu)此后的(de)有(you)一些問題(ti)解決及技術(shu)性(xing)設計規劃事業，沒(mei)轉變(bian)存管(guan)履責主要。

    農行已(yi)在布(bu)置圖

    可(ke)根(gen)據第三點方評(ping)估app小額(e)網貸驛站的(de)(de)數據庫，截止到2017年1月底， P2P個人貸款現金余額(e)僅售(shou)8560.95億(yi)美金，環比增長去年年底12月底提(ti)高(gao)了4.88%；同一，厲史當年度賣出(chu)量高(gao)于3.65一萬(wan)6億(yi)，較(jiao)去年底盈虧(kui)的(de)(de)1.5一萬(wan)億(yi)的(de)(de)增長上升時間提(ti)升143.33%。

    網(wang)上(shang)貸款本金(jin)安全存管的進展(zhan)情(qing)況如昔放緩。銀(yin)監會主要主任(ren)就(jiu)《存管準則》答記(ji)者證(zheng)問時(shi)就(jiu)指出，近年，自(zi)查報告專項行(xing)(xing)動運行(xing)(xing)摸排全面排查階(jie)段中己經結束了(le)之，但其中本金(jin)存管嚴(yan)格(ge)執行(xing)(xing)不及時(shi)的話題更鼓起。據(ju)第三個(ge)方不完(wan)全性統計學，截止日(ri)期(qi)2016年尾，達(da)成機系統指導的P2P有90多名(ming)，占P2P醫院(yuan)比例的4%。

    網絡貸款驛站的新型數(shu)據庫提示 ，公(gong)(gong)布2月(yue)20日，落實(shi)責(ze)任存(cun)管(guan)體統接(jie)管(guan)的公(gong)(gong)司(si)新增了23家(jia)，可達113家(jia)，平均水平較去(qu)年終的4%持續增長等到了4.83%。以(yi)及(ji)非常多的軟(ruan)件在路旁，已簽約合同范本、還未正(zheng)是下線平臺網站的軟(ruan)件，單(dan)獨以(yi)及(ji)93家(jia)。

    經(jing)(jing)甲乙雙(shuang)方調查分析詢(xun)問到(dao)，當前就(jiu)已開發存(cun)管(guan)(guan)售后服務的(de)(de)(de)30余家銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)中，至(zhi)少(shao)將(jiang)此項(xiang)(xiang)(xiang)的(de)(de)(de)項(xiang)(xiang)(xiang)目放(fang)入(ru)特殊部(bu)(bu)(bu)(bu)位(wei)來運(yun)做，但均能基本保障存(cun)管(guan)(guan)的(de)(de)(de)項(xiang)(xiang)(xiang)目經(jing)(jing)營(ying)的(de)(de)(de)獨立(li)空間性。最遲運(yun)做此項(xiang)(xiang)(xiang)的(de)(de)(de)項(xiang)(xiang)(xiang)目、設(she)計成熟穩(wen)定度頗受使用(yong)的(de)(de)(de)惠民銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)，存(cun)管(guan)(guan)的(de)(de)(de)項(xiang)(xiang)(xiang)目由銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)賣場(chang)條(tiao)線(xian)的(de)(de)(de)固(gu)定資產(chan)投(tou)資拖管(guan)(guan)部(bu)(bu)(bu)(bu)經(jing)(jing)營(ying)；杭州銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)是(shi)由當下系(xi)統(tong)(tong)(tong)(tong)(tong)部(bu)(bu)(bu)(bu)屬設(she)的(de)(de)(de)固(gu)定資產(chan)投(tou)資拖管(guan)(guan)部(bu)(bu)(bu)(bu)經(jing)(jing)營(ying)、寧(ning)波(bo)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)是(shi)由手機(ji)(ji)互(hu)聯(lian)網(wang)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)部(bu)(bu)(bu)(bu)和拖管(guan)(guan)部(bu)(bu)(bu)(bu)雙(shuang)方運(yun)做，還(huan)至(zhi)少(shao)資產(chan)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)是(shi)由手機(ji)(ji)互(hu)聯(lian)網(wang)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)部(bu)(bu)(bu)(bu)承(cheng)接。而包商銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)是(shi)多數的(de)(de)(de)將(jiang)互(hu)金存(cun)管(guan)(guan)放(fang)入(ru)一級通過成績部(bu)(bu)(bu)(bu)位(wei)來經(jing)(jing)營(ying)的(de)(de)(de)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)，由加(jia)數銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)卡(ka)(ka)(ka)(ka)(ka)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)系(xi)統(tong)(tong)(tong)(tong)(tong)辦(ban)(ban)(ban)(ban)(ban)(ban)理(li)(li)(li)(li)(li)(li)(li)(li)事(shi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)心部(bu)(bu)(bu)(bu)承(cheng)接。（摘自手機(ji)(ji)互(hu)聯(lian)網(wang)）