Bank'S Responsibility For Violating Bank Settlement System

In the process of settling accounts, if the bank violates the bank settlement system, it should mainly include the following aspects:

(1) responsibility for work errors.

Due to work errors, bank delays, erroneous investment accounts, erroneous delimit and miscalculation settlement accounts, the settlement time is extended, which affects the use of funds of clients and his bank, and pays compensation according to the interest rate of deposit (loan).

Responsible for compensation for capital loss caused by false payment.

(2) breach of settlement obligations.

Such responsibilities include:

(1) depressurized, misappropriated or detain the settlement amount, affecting the use of funds of clients and his bank, and paying 5/10000 of the settlement amount per day according to the settlement amount.

(2) arbitrary penalty, refund, interception and misappropriation of settlement funds shall be punished by a daily fine of 7/10000 according to the settlement amount.

3. Accepting unjustifiable refusal to pay, unauthorized refusal to pay a refund and payment without deducting and delaying payment, and deducting or deducting the indemnity less than 5/10000 of the daily settlement amount shall be 2000 yuan to 5000 yuan.

(4) banks issue short bank drafts, promissory notes and short remittances to recover the advance funds and impose a fine of 1/1000 per day on the basis of the amount paid.

(5) the bank will use fraudulent means to issue the invoice for the remittance without any remittance, help the customer to defraud the bank acceptance bill or withdraw the bank discount fund, and impose a fine of 5000 to 10000 yuan.

(6) if the bank fails to handle the large amount of foreign exchange remittance, liquidation of large bank draft funds or turn the large amount of remittance and bank draft into full by the people's Bank of China, it will impose a fine of 2000 to 5000 yuan each.

If a bank has issued a bank draft for more than 500 thousand yuan, if it fails to pfer funds to the people's Bank in time, it will impose a fine of 7/10000 every day according to the number and amount of the delay. If the bank fails to pfer funds in a more than three time, it will notify the bank if the funds are not pferred in time. If the circumstances are serious, it should stop issuing bank drafts.

If a bill of exchange has been drawn back to the people's Bank of the place of issue, if the issue has not yet been pferred, the penalty shall be 5%.

The bank stipulates additional conditions outside the settlement system, which affects the smooth flow of the remittance channels. It must be corrected within a time limit and impose a fine of 5000 to 10000 yuan.

The bank's settlement management is chaotic, and there are frequent violations of discipline. The people's Bank of China should issue a warning to it and fix it within a time limit.

In spite of warnings, those who refuse to rectify or repeatedly investigate repeated offenders shall be criticized throughout the country or throughout the country until they are partially or wholly settled.

In addition to the above responsibilities, banks must also be accountable for the responsibilities of banks, including economic, administrative and criminal responsibilities.