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{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 一叶一世界}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 __\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta \dbch .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta \dbch .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta \dbch .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta \dbch )}}{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb \dbch (}{\pntxta \dbch )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb \dbch (}{\pntxta \dbch )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb \dbch (}{\pntxta \dbch )}}{\*\pnseclvl8\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb \dbch (}{\pntxta \dbch )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb \dbch (}{\pntxta \dbch )}}\pard\plain \ltrpar\qj \fi2165\li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\cufi1027\pararsid8196711 \rtlch\fcs1 \af0\afs24\alang1025 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2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid4014967 \loch\af0\hich\af0\dbch\f13 万元。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 （}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f13\insrsid4155089 \hich\af13\dbch\af13\loch\f13 5.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f13\insrsid4155089 \loch\af13\hich\af13\dbch\f13 教育储蓄为整存零取定期储蓄存款。（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f13\insrsid4155089 \hich\af13\dbch\af13\loch\f13 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f13\insrsid4155089 \loch\af13\hich\af13\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f13\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid4155089\charrsid882818 \loch\af38\hich\af0\dbch\f38 二、单项选择题}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 1.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 下列不是活期存款特点的是（}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 A.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 通存通兑}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 B.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 利息较高}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 C.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 资金灵活}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 D.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 缴费方便}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 2.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 批准储蓄机构设立储蓄代办点的单位是（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 A.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 中国人民银行总行}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 B.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 中国人民银行一级分行}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 中国人民银行在储蓄机构当地的分支机构}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 D.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 中国农业银行}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 3.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 负责全国储蓄管理工作。（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 A.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 中国人民银行}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 B.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 银监会}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 国务院}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 D.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 国务院金融部门}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9\insrsid4155089 \hich\af0\dbch\af13\loch\f0 4.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid13329565 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 整存整取定期储蓄的起存点为（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 A.10}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 B.1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 C.50}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 D.5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9\insrsid4155089 \hich\af0\dbch\af13\loch\f0 5.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid13329565 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 教育储蓄的对象（储户）为（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 A.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 高中三年级（含三年级）以上学生}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 B.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 初中三年级（含三年级）以上学生}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 小学四年级（含四年级）以上学生}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 D.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 小学五年级（含五年级）以上学生}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 6.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 教育储蓄的最低起存金额为（}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 A.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid13329565 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 10}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 B.1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 C.50}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 D.5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 7.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 储户口头挂失的，必须在口头挂\loch\af0\hich\af0\dbch\f13 失}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 之内补办书面正式挂失手续，否则口头挂失不再有效。（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 A.3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 天}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 B.5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 天}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 C.10}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 天}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 D.15}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 天}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 8.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 教育储蓄的预存总额不得超过（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 .1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 万元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 B.10}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 万元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 C.20}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 万元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 D.2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 万元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 9.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16658188 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089\charrsid16658188 \loch\af13\hich\af13\dbch\f13 活期储蓄存款每季度结息一次，每季末月的}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\ul\cf1\insrsid4155089 \hich\af13\dbch\af13\loch\f13 }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089\charrsid16658188 \loch\af13\hich\af13\dbch\f13 为结息日}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \loch\af13\hich\af13\dbch\f13 。（}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \hich\af13\dbch\af13\loch\f13 }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \loch\af13\hich\af13\dbch\f13 ）}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \hich\af13\dbch\af13\loch\f13 A.5}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \loch\af13\hich\af13\dbch\f13 日}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \hich\af13\dbch\af13\loch\f13 B.10}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \loch\af13\hich\af13\dbch\f13 日}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \hich\af13\dbch\af13\loch\f13 C.20}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \loch\af13\hich\af13\dbch\f13 日}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \hich\af13\dbch\af13\loch\f13 D.30}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \loch\af13\hich\af13\dbch\f13 日}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 10.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 依照我国有关规定，对于各种储蓄存款以}{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 为计息单位。（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 A.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 B.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 角}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 分}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 D.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 厘}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid4155089\charrsid882818 \loch\af38\hich\af0\dbch\f38 三、多项选择题}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 1.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 根据使用上需要，存款人在储蓄单位开设的储蓄账户可以分为不同的类别，主要包括（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 A. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 一般存款账户}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 B.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 基本存款账户}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 专用存款账户}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 D.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 临时存款账户}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 2.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 教育储蓄的期限可分为（}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 A.1}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 年}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 B.5}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 年}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 C.3}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 年}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 D.6}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 年}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 3.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储蓄机构办理储蓄业务，必须遵循的原则有（}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 A.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储户存款自由}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 B.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储\loch\af0\hich\af0\dbch\f13 户存款有息}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 C.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储户取款自由}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 D.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 为储户保密}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 4.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 设置储蓄机构必须具备的条件包括（}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 A.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 有机构名称、组织机构和营业场所}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 B.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 熟悉储蓄业务的工作人员不少于}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 人}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 C.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 有必要的安全防范设备}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 D.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 主管人员必须有银行机构从业}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 年以上的经验}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 5.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储蓄机构的设置原则包括哪几点？（}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）。}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 A.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 统一规划}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 B.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 方便群众}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 C.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 注重实效}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 D.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 确保安全}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid4155089\charrsid16724938 \loch\af38\hich\af0\dbch\f38 四、简答题}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 1.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 简述储蓄机构的禁止事项。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 2.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 简述存款业务管理的\loch\af0\hich\af0\dbch\f13 原则。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 3. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 简述教育储蓄的注意事项。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 4.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 简述储蓄及储蓄机构的概念。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \b\fs28\insrsid4155089 \loch\af0\hich\af0\dbch\f13 参考答案与详解}{\rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \b\fs28\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid4155089\charrsid882818 \loch\af38\hich\af0\dbch\f38 一、}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid4155089 \loch\af38\hich\af0\dbch\f38 判断题}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 1.}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089\charrsid15607103 \hich\af13\dbch\af13\loch\f13 }{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089\charrsid12990355 \loch\af13\hich\af13\dbch\f13 ×【解析】}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 在我国银行内部，一般将公众的存款称为储蓄，将企事业单位的存款称为存款。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 2.}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid15607103 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089\charrsid12990355 \loch\af13\hich\af13\dbch\f13 ×【解析】}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089 \loch\af13\hich\af13\dbch\f13 储蓄机构设立储蓄代办点须经当地中国人民银行分支机构批准。}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid8196711 __\par }{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089 \hich\af13\dbch\af13\loch\f13 3.}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089\charrsid15607103 \hich\af13\dbch\af13\loch\f13 }{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089\charrsid12990355 \loch\af13\hich\af13\dbch\f13 ×【解析】}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089 \loch\af13\hich\af13\dbch\f13 人民币活期存款以}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089 \hich\af13\dbch\af13\loch\f13 1}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089 \loch\af13\hich\af13\dbch\f13 元起存，外币活期存款起存金额为不低于人民币}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089 \hich\af13\dbch\af13\loch\f13 20}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089 \loch\af13\hich\af13\dbch\f13 元的等值外汇。}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 4.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f13\insrsid4155089\charrsid4014967 \hich\af13\dbch\af13\loch\f13 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f13\insrsid4155089\charrsid12144558 \loch\af13\hich\af13\dbch\f13 √}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f13\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f13\insrsid4155089 \hich\af13\dbch\af13\loch\f13 5.}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089\charrsid3151538 \hich\af13\dbch\af13\loch\f13 }{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089\charrsid12990355 \loch\af13\hich\af13\dbch\f13 ×【解析】}{\rtlch\fcs1 \af13\afs21 \ltrch\fcs0 \f13\insrsid4155089 \loch\af13\hich\af13\dbch\f13 教育储蓄为零存整取定期储蓄存款，而非整存零取定期储蓄存款。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf5\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid4155089 \loch\af38\hich\af0\dbch\f38 二、单项选择题}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 1.ACD}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 【解析】}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 活期储蓄的特点具体包括三个方面：（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 通存通兑：客户凭银行卡可在全国工行网点和自助设备上存取人民币现金，预留密码的存折可在同城工行网点存取现金。同城也可办理无卡（折）的续存业务。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 （}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 资金灵活：客户可随用随取，资金流动性强。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 （}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 缴费方便：客户可将活期存款账户设置为缴费账户，由银行自动代缴各种日常费用。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 就利息的高低而言，活期存款的利息比定期存款的利息低，故排除选项}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \kerning0\insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 2.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 【解析】}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 经当地中国人民银行分支机构批准，储蓄机构可以设立储蓄代办点。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 3.A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 【解析】}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 中国人民银行负责全国储蓄管理工作。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 4.C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 【解析】整存整取定期储蓄以}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 50}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元为起点，多\loch\af0\hich\af0\dbch\f13 存不限，一次存入，约定存期，由储蓄机构发给存单，到期凭存单一次支取本金和利息。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9\insrsid4155089 \hich\af0\dbch\af13\loch\f0 5.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid13329565 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 【解析】教育储蓄的对象（储户）为在校小学四年级（含四年级）以上学生。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \cf9\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 6.C}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 【解析】}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 教育储蓄为零存整取定期储蓄存款。存期分为}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 年、}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 年和}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 6}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 年。最低起存金额为}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 50}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 元，本金合计最高限额为}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 万元。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 7.B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 【解析】如储户出差在外或其他原因不能到原存款银行办理正式挂失手续，可用电话、电报、信函或在通存通兑网点办理口头挂失，但必须在口头挂失}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 天之内补办书面正式挂失手续，否则口头挂失不再有效。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 8.D}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 【解析】}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16658188 \loch\af0\hich\af0\dbch\f13 储户初次办理教育储蓄存款时\loch\af0\hich\af0\dbch\f13 ，可以办理预存分期的存款。在办理时，要分笔进行，每笔金额相等，但预存总额不得超过}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16658188 \hich\af0\dbch\af13\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16658188 \loch\af0\hich\af0\dbch\f13 万元。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \hich\af13\dbch\af13\loch\f13 9.C}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089 \loch\af13\hich\af13\dbch\f13 【解析】}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089\charrsid16658188 \loch\af13\hich\af13\dbch\f13 目前，活期储蓄存款每季度结息一次，每季末月的}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089\charrsid16658188 \hich\af13\dbch\af13\loch\f13 20}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\cf1\insrsid4155089\charrsid16658188 \loch\af13\hich\af13\dbch\f13 日为结息日，按当日挂牌的活期利率计息，商业银行在这一日将利息转入储户账户。如果储户在结息日前清户，商业银行将按当日挂牌活期利率计算利息并连同本金支付给储户。}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \f13\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 10.A}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 【解析】依照我国有关规定，对于各种储蓄存款以元为计息单位，元以下的角分不计利}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 息。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid4155089 \loch\af38\hich\af0\dbch\f38 三、多项选择题}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 1.ABCD}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 【解析】}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 根据使用上需要，存款人在储蓄单位开设的储蓄账户可以分为不同的类别，主要包括一\loch\af0\hich\af0\dbch\f13 般存款账户、基本存款账户、专用存款账户和临时存款账户}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 种。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 2.ACD}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 【解析】教育储蓄的期限可分为}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 1}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 年、}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 3}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 年、}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 6}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 年。}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 3.ABCD}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 【解析】}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 国家保护个人合法储蓄存款的所有权及其他合法权益，鼓励个人参加储蓄。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储蓄机构办理储蓄业务，必须遵循}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\dbch\af13\hich\f0 \'93}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 存款自愿，取款自由，存款有息，为储户保密}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\dbch\af13\hich\f0 \'94}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 的原则。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 4.ABC}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 【解析】}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储蓄机构的设置必须具备下列条件：（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）有机构名称、组织机构和营业场所；（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）熟悉储蓄业务的工作人员不少于四人；（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）有必要的安全防范设备。}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 5.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 ABCD}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 【解析】}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储蓄机构的设置，应当遵循统一规划，方便群众\loch\af0\hich\af0\dbch\f13 ，注重实效，确保安全的原则。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid4155089 \loch\af38\hich\af0\dbch\f38 四、简答题}{\rtlch\fcs1 \af0\afs21 \ltrch\fcs0 \loch\af38\dbch\af38\insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 1.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 简述储蓄机构的禁止事项。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 答：（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 储蓄机构应当按照规定时间营业，不得擅自停业或者缩短营业时间}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ；（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 储蓄机构应当保证储蓄存款本金和利息的支付，不得违反规定拒绝支付储蓄存款本金和利息}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ；（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 储蓄机构不得使用不正当手段吸收储蓄存款。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 2.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 简述存款业务管理的原则。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 答：坚持统一规范、分级管理、分工协作的原则。（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）统一规范，是指全省信用社必须遵守国家有关法律法规和规章，按照业务管理制度，服务标准和指导性工作目标开展存款业务活动。（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）分级管理，是指省联社负债\loch\af0\hich\af0\dbch\f13 管理部，县级联社负债业务部门依据本级职能承担相应的存款业务管理工作。（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \hich\af0\dbch\af13\loch\f0 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089 \loch\af0\hich\af0\dbch\f13 ）分工协作，是指各级信用社负债，信贷，结算等部门应根据各自的专业性质和特点，按照职责分工，、相互配合，做好组织资金工作。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 3. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 简述教育储蓄的注意事项。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 答：（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）在约定的期限内，储户可以超过原定笔数存入教育储蓄存款，但总额不得超过}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 万元。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 2.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储户不能违约。所谓违约是指教育储蓄在分月存人过程中，中途有漏存，次月又未补齐的情况就是违约。隔两个月以后的存款都按活期持牌利率计息，没有违约的部分按教育储蓄规定计息。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 4.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 简述储蓄及储蓄机构的概\loch\af0\hich\af0\dbch\f13 念。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 答：（}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）储蓄的概念}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储蓄}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ，}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 是指个人将属于其所有的人民币或者外币存入储蓄机构，储蓄机构开具存折或者存单作为凭证，个人凭存折或者存单可以支取存款本金和利息，储蓄机构依照规定支付存款本金和利息的活动。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 在我国银行内部，一般将公众的存款称为储蓄，将企事业单位的存款称为存款。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 任何单位和个人不得将公款以个人名义转为储蓄存款。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 （}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \hich\af0\dbch\af13\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 ）储蓄机构的概念}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 在我国，}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 \loch\af0\hich\af0\dbch\f13 储蓄机构是指经中国人民银行或其分支机构批准，各银行、信用合作社办理储蓄业务的机构，以及邮政企业依法办理储蓄业务的机构。}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8196711 __\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4155089\charrsid16724938 __\par }{\*\latentstyles\lsdstimax267\lsdlockeddef0\lsdsemihiddendef0\lsdunhideuseddef0\lsdqformatdef0\lsdprioritydef0{\lsdlockedexcept \lsdqformat1 \lsdlocked0 Normal;\lsdqformat1 \lsdlocked0 heading 1;\lsdsemihidden1 \lsdunhideused1 \lsdqformat1 \lsdlocked0 heading 2;\lsdsemihidden1 \lsdunhideused1 \lsdqformat1 \lsdlocked0 heading 3;\lsdsemihidden1 \lsdunhideused1 \lsdqformat1 \lsdlocked0 heading 4;\lsdsemihidden1 \lsdunhideused1 \lsdqformat1 \lsdlocked0 heading 5;\lsdsemihidden1 \lsdunhideused1 \lsdqformat1 \lsdlocked0 heading 6;\lsdsemihidden1 \lsdunhideused1 \lsdqformat1 \lsdlocked0 heading 7;\lsdsemihidden1 \lsdunhideused1 \lsdqformat1 \lsdlocked0 heading 8;\lsdsemihidden1 \lsdunhideused1 \lsdqformat1 \lsdlocked0 heading 9;\lsdsemihidden1 \lsdunhideused1 \lsdqformat1 \lsdlocked0 caption;\lsdqformat1 \lsdlocked0 Title;\lsdqformat1 \lsdlocked0 Subtitle;\lsdqformat1 \lsdlocked0 Strong;\lsdqformat1 \lsdlocked0 Emphasis;\lsdsemihidden1 \lsdpriority99 \lsdlocked0 Placeholder Text;\lsdqformat1 \lsdpriority1 \lsdlocked0 No Spacing;\lsdpriority60 \lsdlocked0 Light Shading;\lsdpriority61 \lsdlocked0 Light List;\lsdpriority62 \lsdlocked0 Light Grid;\lsdpriority63 \lsdlocked0 Medium Shading 1;\lsdpriority64 \lsdlocked0 Medium Shading 2;\lsdpriority65 \lsdlocked0 Medium List 1;\lsdpriority66 \lsdlocked0 Medium List 2;\lsdpriority67 \lsdlocked0 Medium Grid 1;\lsdpriority68 \lsdlocked0 Medium Grid 2;\lsdpriority69 \lsdlocked0 Medium Grid 3;\lsdpriority70 \lsdlocked0 Dark List;\lsdpriority71 \lsdlocked0 Colorful Shading;\lsdpriority72 \lsdlocked0 Colorful List;\lsdpriority73 \lsdlocked0 Colorful Grid;\lsdpriority60 \lsdlocked0 Light Shading Accent 1;\lsdpriority61 \lsdlocked0 Light List Accent 1;\lsdpriority62 \lsdlocked0 Light Grid Accent 1;\lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 1;\lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 1;\lsdpriority65 \lsdlocked0 Medium List 1 Accent 1;\lsdsemihidden1 \lsdpriority99 \lsdlocked0 Revision;\lsdqformat1 \lsdpriority34 \lsdlocked0 List Paragraph;\lsdqformat1 \lsdpriority29 \lsdlocked0 Quote;\lsdqformat1 \lsdpriority30 \lsdlocked0 Intense Quote;\lsdpriority66 \lsdlocked0 Medium List 2 Accent 1;\lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 1;\lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 1;\lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 1;\lsdpriority70 \lsdlocked0 Dark List Accent 1;\lsdpriority71 \lsdlocked0 Colorful Shading Accent 1;\lsdpriority72 \lsdlocked0 Colorful List Accent 1;\lsdpriority73 \lsdlocked0 Colorful Grid Accent 1;\lsdpriority60 \lsdlocked0 Light Shading Accent 2;\lsdpriority61 \lsdlocked0 Light List Accent 2;\lsdpriority62 \lsdlocked0 Light Grid Accent 2;\lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 2;\lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 2;\lsdpriority65 \lsdlocked0 Medium List 1 Accent 2;\lsdpriority66 \lsdlocked0 Medium List 2 Accent 2;\lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 2;\lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 2;\lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 2;\lsdpriority70 \lsdlocked0 Dark List Accent 2;\lsdpriority71 \lsdlocked0 Colorful Shading Accent 2;\lsdpriority72 \lsdlocked0 Colorful List Accent 2;\lsdpriority73 \lsdlocked0 Colorful Grid Accent 2;\lsdpriority60 \lsdlocked0 Light Shading Accent 3;\lsdpriority61 \lsdlocked0 Light List Accent 3;\lsdpriority62 \lsdlocked0 Light Grid Accent 3;\lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 3;\lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 3;\lsdpriority65 \lsdlocked0 Medium List 1 Accent 3;\lsdpriority66 \lsdlocked0 Medium List 2 Accent 3;\lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 3;\lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 3;\lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 3;\lsdpriority70 \lsdlocked0 Dark List Accent 3;\lsdpriority71 \lsdlocked0 Colorful Shading Accent 3;\lsdpriority72 \lsdlocked0 Colorful List Accent 3;\lsdpriority73 \lsdlocked0 Colorful Grid Accent 3;\lsdpriority60 \lsdlocked0 Light Shading Accent 4;\lsdpriority61 \lsdlocked0 Light List Accent 4;\lsdpriority62 \lsdlocked0 Light Grid Accent 4;\lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 4;\lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 4;\lsdpriority65 \lsdlocked0 Medium List 1 Accent 4;\lsdpriority66 \lsdlocked0 Medium List 2 Accent 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