A bank, acting as agent, currently provides such fee-based business as paying fees, giving pay packets, handling stock fund transfer service, handling securities trading settlement and handling insurance service. All these are intermediary services of the bank. 目前銀行開(kāi)辦的“代收代付等中間業(yè)務(wù)”主要有代繳費(fèi)、代發(fā)薪、代股票資金轉(zhuǎn)賬業(yè)務(wù)、代證券交易委托、代理保險(xiǎn)業(yè)務(wù)等，是銀行提供的一種服務(wù)。
1.Bill Payment Service 1、代繳費(fèi)業(yè)務(wù)
Bill payment service is a kind of transfer settlement service in which the bank collects as agent of fee collectors (such as postal, power, gas and water supply departments) fees from their users.
All the fee collectors and their users shall open current accounts with the agent bank. On every day of fee collection provided in the agreements, the bank regularly debits the accounts of the users with the amounts listed in the fee collection sheets of the collectors and brings them to the credit of the accounts of the collectors, and also takes commissions according to the number of payments by the users. The clients may also pay such fees, say, fixed telephone charges, mobile phone charges, traffic violation fines, insurance premiums, etc., in cash across the bank counters. 代繳費(fèi)業(yè)務(wù)，是銀行代理收費(fèi)單位（郵電、電、氣、供水等部門(mén)）向其用戶(hù)收取費(fèi)用的一種轉(zhuǎn)賬結(jié)算業(yè)務(wù)。
收費(fèi)單位與用戶(hù)均應(yīng)在代理銀行開(kāi)立活期存款賬戶(hù)，銀行定期在協(xié)議規(guī)定的收費(fèi)日，從用戶(hù)存款賬戶(hù)中按收費(fèi)單位所列收費(fèi)清單扣劃給收費(fèi)單位，并按用戶(hù)交款筆數(shù)收取手續(xù)費(fèi)?？蛻?hù)也可以現(xiàn)金方式在銀行柜臺(tái)繳費(fèi)，如代收電話(huà)費(fèi)、移動(dòng)電話(huà)費(fèi)、交通違章罰款、保險(xiǎn)費(fèi)等。
1.Bill Payment Service 1、代繳費(fèi)業(yè)務(wù)
Bill payment service is a kind of transfer settlement service in which the bank collects as agent of fee collectors (such as postal, power, gas and water supply departments) fees from their users.
All the fee collectors and their users shall open current accounts with the agent bank. On every day of fee collection provided in the agreements, the bank regularly debits the accounts of the users with the amounts listed in the fee collection sheets of the collectors and brings them to the credit of the accounts of the collectors, and also takes commissions according to the number of payments by the users. The clients may also pay such fees, say, fixed telephone charges, mobile phone charges, traffic violation fines, insurance premiums, etc., in cash across the bank counters. 代繳費(fèi)業(yè)務(wù)，是銀行代理收費(fèi)單位（郵電、電、氣、供水等部門(mén)）向其用戶(hù)收取費(fèi)用的一種轉(zhuǎn)賬結(jié)算業(yè)務(wù)。
收費(fèi)單位與用戶(hù)均應(yīng)在代理銀行開(kāi)立活期存款賬戶(hù)，銀行定期在協(xié)議規(guī)定的收費(fèi)日，從用戶(hù)存款賬戶(hù)中按收費(fèi)單位所列收費(fèi)清單扣劃給收費(fèi)單位，并按用戶(hù)交款筆數(shù)收取手續(xù)費(fèi)?？蛻?hù)也可以現(xiàn)金方式在銀行柜臺(tái)繳費(fèi)，如代收電話(huà)費(fèi)、移動(dòng)電話(huà)費(fèi)、交通違章罰款、保險(xiǎn)費(fèi)等。