银行业务协议书范本.docx

银行业务协议书范本
【中文】
第一部分：背景介绍
银行业务协议书是银行与客户之间签订的一种正式合同，用于规定双方在开展各类银行业务过程中的权利和义务，保障双方利益，规范双方行为。协议书一般包括协议标题、协议双方身份信息、协议生效日期、约定事项、违约处理等内容。
第二部分：银行业务协议书范本示例
银行业务协议书
本协议由以下双方于**年**月**日签订：
甲方：**银行（具体银行名称及地址）**
乙方：**客户姓名/机构名称（具体身份信息）**
鉴于甲方为经国家银行业监管机构批准开业的银行机构，具备为客户提供各类银行业务的资质和能力；乙方为具备完全民事行为能力的个人/法人机构，愿意在甲方开展各类银行业务。
鉴此，甲、乙双方经友好协商，就以下事项达成如下协议：
一、账户开立
1. 乙方在甲方开立的存款账户为普通活期存款账户；
2. 乙方应如实提供个人/机构身份证明材料，在开户过程中如实填写相关信息；
3. 乙方应妥善保管账户信息及银行卡等资料，对账户安全负责；
4. 乙方有权向甲方查询账户信息、办理存取款业务；
5. 甲方有权对乙方的账户进行管理及监控，进行资金清算。
二、存款业务
1. 乙方可自行选择存款方式，甲方将按照约定向乙方支付相应利息；
2. 存款期限可根据乙方需求设定，到期后可选择续存或支取；
3. 存款金额在存入账户后将由甲方进行管理，不得私自调动；
4. 存款业务过程中发生争议，甲、乙双方应协商解决。
三、取款业务
1. 乙方可通过柜面、ATM、网银、手机银行等途径办理取款业务；
2. 乙方应妥善保管银行卡及密码等资料，防范资金安全风险；
3. 取款金额需在账户余额之内，不得透支；
4. 取款过程中如有异常情况，应及时与银行联系处理。
四、费用及服务
1. 甲方向乙方提供的服务及相关费用应当明示，并按规定收取；
2. 乙方在使用银行服务时需遵守相关规定及制度；
3. 甲方有权根据实际情况对服务内容和费用进行调整；
4. 若乙方出现违约情况，甲方有权对其进行追责，包括但不限于冻结账户等措施。
五、违约处理
1. 若一方未履行协议约定的义务，则视为违约，应承担相应法律责任；
2. 如乙方违反本协议规定，甲方有权采取相应措施维护自身权益；
3. 双方应保持联系畅通，及时沟通协商解决问题。
六、其他
1. 本协议有效期为**年**月**日至**年**月**日，期满后，双方如需续签可另行商议；
2. 本协议内容如有争议，应以双方签订的书面协议为准；
3. 其他未尽事宜，可根据相关法律法规进行补充约定。
签署地点： 甲方：**银行（盖章）**
乙方：**客户签字**
第三部分：总结
银行业务协议书是银行与客户之间合作的基础性文件，旨在规范双方行为，保障双方权益。双方在签订协议前应充分了解各项约定内容，确保双方权益受到法律保护。双方应保持沟通，及时解决问题，共同维护合作关系。银行业务协议书的签订有助于银行和客户之间的合作更加顺畅、透明。
【英文】
Part One: Introduction
The banking business agreement is a formal contract signed between a bank and a customer, which stipulates the rights and obligations of both parties in conducting various banking businesses, safeguards the interests of both parties, and regulates their behaviors. The agreement generally includes the agreement title, information of both parties, effective date of the agreement, agreed matters, default handling, etc.
Part Two: Sample of Banking Business Agreement
Banking Business Agreement
This Agreement is entered into by the following parties on ** day of **, in ** year:
Party A: **Bank (specific name and address of the bank)**
Party B: **Customer Name/Organization Name (specific identity information)**
Whereas Party A is a bank institution approved by the national banking regulatory authority to operate, possessing the qualifications and capabilities to provide various banking services to customers; Party B is an individual/legal entity with full capacity for civil conduct, willing to conduct various banking businesses with Party A.
In light of this, Party A and Party B have reached the following agreement through friendly negotiation on the following matters:
I. Account Opening
1. Party B's deposit account opened with Party A is a regular demand deposit account;
2. Party B should provide truthful personal/institutional identity documents and accurately fill in relevant information during the account opening process;
3. Party B should properly keep account information and bank card materials, and take responsibility for the security of the account;
4. Party B has the right to inquire about account information from Party A and conduct deposit and withdrawal transactions;
5. Party A has the right to manage and monitor Party B's account, conduct fund settlements.
II. Deposit Business
1. Party B can choose the deposit method independently, and Party A will pay corresponding interest to Party B as agreed;
2. The deposit term can be set according to Party B's needs, and Party B can choose to renew or withdraw the deposit upon maturity;
3. The deposit amount will be managed by Party A after being deposited in the account and should not be moved without authorization;
4. In case of disputes during the deposit business, Party A and Party B should negotiate to resolve them.
III. Withdrawal Business
1. Party B can conduct withdrawal transactions through counter, ATM, online banking, mobile banking, etc.;
2. Party B should properly keep bank cards, passwords, and other related materials to prevent financial security risks;
3. The withdrawal amount should be within the account balance and should not be overdrawn;
4. In case of any abnormal situation during the withdrawal process, Party B should contact the bank promptly for resolution.
IV. Fees and Services
1. Services provided by Party A to Party B and related fees should be clearly stated and charged as per regulations;
2. Party B should comply with relevant regulations and systems when using banking services;
3. Party A has the right to adjust the service content and fees according to the actual situation;
4. If Party B breaches the agreement, Party A has the right to take corresponding measures to hold Party B accountable, including but not limited to account freezing.
V. Default Handling
1. If one party fails to perform the obligations stipulated in the agreement, it shall be deemed as a breach of contract and bear legal responsibility accordingly;
2. If Party B violates the provisions of this agreement, Party A has the right to take corresponding measures to protect its own rights;
3. Both parties should keep communication open, promptly address and resolve issues through negotiation.
VI. Miscellaneous
1. This agreement is valid from ** day of ** to ** day of **, and if either party wishes to renew after expiration, they may negotiate separately;
2. In case of disputes regarding this agreement, the written agreement signed by both parties shall prevail;
3. Matters not covered in this agreement may be supplemented by relevant laws and regulations.
Place of Signing: Party A: **Bank (Seal)**
Party B: **Customer Signature**
Part Three: Conclusion
The banking business agreement is the foundational document for cooperation between banks and customers, aiming to regulate the behaviors of both parties and safeguard their rights. Before signing the agreement, both parties should fully understand the content of the provisions to ensure that their rights are protected by law. Maintaining communication, resolving issues promptly, and jointly upholding the cooperative relationship are essential. The signing of a banking business agreement contributes to smoother and more transparent cooperation between banks and customers.