愛華網(wǎng)
CALL DEPOSIT ACCOUNT – GENERAL TERMS ANDCONDITIONS
銀行通知存款賬戶一般條款
NOTE: 1. Without limitation to the terms and conditionscontained herein, all call deposits offered by HSBC Bank (China)Company Limited (the ‘Bank’) in the People’s Republic of China (butexcluding Hongkong, Macao and Taiwan (the “Mainland China’) aresubject to the General Terms and Conditions applicable to allaccounts in the Mainland China
注意：除本文件所述各條款外，適用于所有在中國（香港、澳門和臺灣除外）（下稱“中國內地”）開立于匯豐銀行（中國）有限公司（下稱“本銀行”）的賬戶的“一般章則條款”亦適用于所有在中國內地開立于本銀行的通知存款賬戶。
2. This English version is for reference only. In case ofany discrepancies between the Chinese and English versions, theChinese version shall apply and prevail
英文本僅供參考。中英文本如有歧義，須以中文本為準。
3. The customer shall refer to account holders whereappropriate.
在適用時，客戶可指一人或一人以上。
1. The Bank’s acceptance of the customer’s application foropening a call deposit account with the Bank in the Mainland China(the ‘Account’) is based on the customer having read and agreed tothe following terms and conditions.
本銀行接受客戶關于在匯豐銀行（中國）有限公司（下稱“本銀行”）的中國內地境內各分支機構開立通知存款賬戶的申請乃基于客戶已經全文閱讀并同意下列各條款。
2. A call deposit mentioned in these terms and conditionsrefer to a deposit denominated in Renminbi (“RMB”) or foreigncurrency, in respect of which the customer does not specify thetime period of deposit at the time of placement but the customermust notify the Bank of the proposed withdrawal date and amountprior to the withdrawal.
本文件中規(guī)定的通知存款是指存款人在存入款項時不約定存期，支取時需提前通知本銀行，約定支取存款日期和金額方能支取的人民幣和外幣存款。
3. An account may be opened in such currencies and withsuch minimum deposit amount and minimum withdrawal amount asdetermined by the Bank, which may, at the Bank’s sole discretion,be changed from time to time. At present, the minimum depositamount for a call deposit (whether denominated in RMB or otherforeign currency) as required by the Bank is RMB50,000 (or itsequivalent in relevant foreign currency) for a personal customerand RMB500,000 (or its equivalent in relevant foreign currency) foran entity customer, and the minimum amount of each withdrawal isRMB50,000 (or its equivalent in relevant foreign currency) for apersonal customer and RMB100,000(or its equivalent in relevantforeign currency) for an entity customer.
開立通知存款賬戶應遵守本銀行有關幣種、最低起存金額和最低支取金額的要求，且本銀行
可隨時自主調整前述要求。目前，本銀行通知存款（無論是人民幣還是外幣通知存款）的最
低起存金額為：個人：五萬元（或其等值有關外幣 金額），單位：五十萬元（或其等值有關外幣金額）；最低支取金額為：個人：五萬元（或其等值有關外幣金額），單位：十萬元（或其等值有關外幣金額）。
4. The customer must place the call deposit with the Bankin one lump sum in accordance with the
requirement by the Bank or law in respect of the minimumdeposit amount. In the meantime, the customer must select the typeof call deposit (i.e. 1-day call deposit or 7-day call deposit),which
selection cannot be changed without the Bank’sconsent.
客戶須按本銀行或法律法規(guī)規(guī)定的最低起存金額一次性將有關存款存入本行，并選擇通知存
款種類（即一天通知存款或七天通知存款）。未經本銀行同意，客戶不得變更在通知存款存入時選擇的通知存款種類。
5. A call deposit can be withdrawn in one lump sum or byinstalments. The customer must notify the Bank of a proposedwithdrawal by no later than the time period of prior notice forwithdrawal as agreed at the time of placement of the deposit (i.e.1day or 7 days) (the “Period of Notice”), and the format of suchnotice shall be in accordance with the Bank’s requirement. If theBank receives two or more instructions from the customerprescribing for the same proposed date of withdrawal (whether ornot the customer gives such instructions by the same means), theBank will act on all such instructions, unless otherwise expresslyprovided in such instructions. All the notices given by thecustomer must be made by the means as prescribed for or adopted bythe Bank from time to time; otherwise, the Bank shall have theright to refuse to act on such notices without notice to thecustomer.
每一筆通知存款可以一次性提取，也可以分次提取?？蛻糁⊥ㄖ婵顣r，應至少按通知存
款存入時約定的取款時需提前通知的時間（一天或七天）（以下簡稱“通知期限”）提前通知
本銀行，通知的格式應符合銀行要求。若本銀行收到客戶的兩個或兩個以上載有相同取款日
的取款通知（無論客戶作出該等通知的方式是否相同），除非該等通知中另有明確說明，本銀行將執(zhí)行所有該等取款通知。所有的通知均須以本銀行不時規(guī)定或采納的方式作出，否則本銀行有權拒絕按該通知行事而無須通知客戶。
6. Unless otherwise provided herein, a call deposit shallaccrue interest on a daily basis at the rate adopted
除非本文件另外有規(guī)定，通知存款每日按照當日的本銀行掛牌公告的相應利率計算利息
7. Subject to other provisions herein, if the customerrequests for partial withdrawal of a call deposit, the Bank willagree to such request, provided that the amount of such partialwithdrawal shall not be lower than the minimum amount of withdrawalrequired by the Bank or law. If the remaining balance of a calldeposit after the withdrawal is lower than the minimum depositamount required by the Bank or law, such remaining balance will beconverted on the same day into a savings deposit account, whichshall be subject to any terms and conditions applicable to savingsdeposit accounts. The customer may also instruct the Bank toconvert such remaining balance into other types of deposits. If theremaining balance of a call deposit after the withdrawal is higherthan or equivalent to minimum deposit amount required by the Bankor law, such remaining balance will be retained as a call depositand the time period of such call deposit shall be calculated fromthe date of placement of the original call deposit.
在受本文件其他條款規(guī)定的約束的前提下，在客戶要求支取的金額少于己于存款金額的情況
下，本銀行可以同意客戶只實際支取部分存款，但不得低于本銀行或法律法規(guī)規(guī)定的最低支
取金額。如果客戶取款后剩余的通知存款低于本銀行或法律法規(guī)規(guī)定的通知存款起存金額，
剩余的通知存款于當日自動轉為活期存款，并適用本銀行有關活期存款的條款和條件；或根
據(jù)客戶指示并經辦理其他類型的存款的申請和相關手續(xù)轉為其他類型的存款。如果客戶取款
后剩余的通知存款等于或高于本行或法律法規(guī)規(guī)定的通知存款起存金額，則剩余的通知存款
保留作為通知存款，從原開戶日計算存期。
8. In any of the following events, the Bank shall have theright to re-compute the actual interest amount payable for therelevant amount withdrawn (i.e. the interest payment on the amountso withdrawn for the period from the Initial Value Day to one daybefore the withdrawal date shall be calculated on the basis of theBank’s prevailing current account interest rate on withdrawal day),and determine the discrepancy between actual interest paymentamount and interest which have been paid to the customer beforeactual withdrawal day for the relevant amount withdrawn and thensettle the discrepancy from the withdrawal amountaccordingly:
在發(fā)生下列任一情況時，銀行有權對支取金額重新核算實際應得利息，即支取金額自存款起
始日起至支取前一日之間應按支取日當日銀行的活期存款利率核算的實際應得利息，并按照
多退少補原則結付最終支付金額（即從支取金額中扣除支取日前銀行對支取金額已結付的利
息與實際應得利息之間的差額）：
(a) the actual time period of deposit is shorter than thePeriod of Notice;
(b) the customer fails to notify the Bank of anywithdrawal by no later than the Period of Notice prior to suchwithdrawal;
(c) the customer notifies the Bank of a proposedwithdrawal by no later than the Period of Notice prior to suchwithdrawal, but withdraws in part or in whole the relevant amountprior to or after the notified withdrawal date;
(d) the amount of withdrawal is lower than or exceeds theamount stated in the withdrawal notice, the actual interest amountpayable due to the discrepancy of actual withdrawal and noticewithdrawal amount will be re-computed according to above mentionedprinciple;
(e) the amount of withdrawal is lower than the minimumwithdrawal amount required by the Bank or law.
1. 實際存期不足通知存款存入時約定的通知期限的；
2. 未按通知存款存入時約定的時間提前通知而支取的；
3.已按通知存款存入時約定的時間辦理通知手續(xù)，但在通知中載明的提款日期之前支取或逾期支取全部或部分所通知的支取金額的；
4.支取金額不足或超過取款通知中約定的取款金額，不足部分及超過部分按照上述核算標準計算應得利息；
5.低于本銀行或法律法規(guī)規(guī)定的最低支取金額的。
9. If thecustomer does not withdraw in whole or in part a call deposit afterservice of the relevant
withdrawalnotice to the Bank, or if the customer cancels part or all of awithdrawal notice within the Period of Notice but prior to theproposed withdrawal date, the relevant withdrawal notice shall bedeemed to have expired or have been cancelled. If the customerdesires to withdraw any of the call deposit, a new withdrawalnotice will be required to be made pursuant to the terms andconditions herein.
客戶作出取款通知后不按該通知全額支取通知存款，或在通知期限內于該通知所載取款日期
前全部或部分取消通知的，視作客戶的通知已過期或取消，客戶如需支取任何存款，則應當
根據(jù)本文約定另行發(fā)出通知。
10. Anyplacement, renewal or withdrawal of a call deposit will beprocessed by the Bank on its business days.
任何通知存款的存入、續(xù)存和支取，均須在本銀行營業(yè)之日辦理。
11. If anynotice is received by the Bank on a day other than the Bank’sbusiness day, it shall be deemed as having been received by theBank on the following business day. If the notified date ofwithdrawal is a day other than the Bank’s business day, suchwithdrawal shall be processed on the following business day,provided that the Bank shall have the discretion to process thewithdrawal on the business day preceding to such notified datewithdrawal.
任何通知若于非本行營業(yè)之日送達本銀行，則應被視為于該日的下一日營業(yè)日送達。通知存
款的任何支取若將發(fā)生于非本銀行營業(yè)之日，則應順延至該日下一個營業(yè)日發(fā)生，但本銀行
有權酌情決定將之提前至該日的前一個營業(yè)日辦理。
12.Account statements are sent at monthly intervals, unless otherwiserequested. If there is no account activity within one or moremonths after the period covered by the most recent accountstatement, the Bank need not send the monthly account statement(s)for that/those month(s).
The customeragrees to examine each statement of account received from the Bankto see if there are any errors, discrepancies, unauthorized debitsor other transactions or entries arising from whatever cause,including, but without limitation, forgery, forged signature,fraud, lack of authority or negligence of the customer or any otherperson (the ‘Errors’).
Thecustomer also agrees that the statement of account shall, asbetween the Bank and the customer, be conclusive evidence as to thebalance shown therein and that the statement of account shall bebinding upon the customer, who shall be deemed to have agreed towaive any rights to raise objections or pursue any remedies againstthe Bank in respect thereof unless the customer notifies the Bankin writing of any such Errors within 90 days after personaldelivery of such statement of account to the customer or, ifposted, within the same period after the Bank has posted suchstatement of account or, if the customer agrees with the Bank tocollect such statement of account at the counter of the Bank,within the same period after the date when such statement ofaccount is generated in the Bank’s system (whether or not, andregardless when, the customer has collected such statement ofaccount during that 90-day period).
除非客戶特別要求，本銀行將按月發(fā)出對賬單。如在最近一張對賬單所涵蓋的期間結束后一
個或數(shù)個月份沒有發(fā)生賬戶交易，本銀行無須就該一個或數(shù)個月份發(fā)出對賬單。
客戶同意審核本銀行所發(fā)出的對賬單，以檢查有否錯漏或出現(xiàn)不論任何原因而引致的未經授
權的扣款或交易或入賬，這些原因包括（但不限于）：假冒、冒簽、欺詐、未經授權交易或客戶或其他人士的疏忽等（統(tǒng)稱為“錯誤”）。
客戶亦同意，如客戶在本銀行專人遞送或寄出對賬單之后九十天內，或（在客戶與本銀行另
有約定由客戶到本銀行柜臺領取對賬單的情況下）在本銀行系統(tǒng)產生對賬單之日（以對賬單
上的日期為準）起九十天內（無論客戶是否及何時已領取該對賬單），未以書面方式將任何錯誤通知本銀行，則將被視為客戶已放棄就該對賬單而向本銀行提出異議或索賠的權利。
13.Accounts with zero balances or Accounts which remain inactive(other than the Bank’s debit of the Accounts for accrued bankcharges, if any) for a continuous period of two years or more (orsuch shorter period as required by laws, regulations and rules) areliable to be closed by the Bank, in the absence of the customer’sspecific instructions to the contrary within the period specifiedby the Bank.
若賬戶余額為零或連續(xù)兩年或兩年以上（或在法律、法規(guī)、規(guī)章規(guī)定的更短期間內）全無款
項收支（本銀行從賬戶中扣除銀行費用（若有）的活動除外），本銀行有權撤消該賬戶，除非客戶在本銀行確定的期限內另有相反指示。
