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<p class="ql-block"> <b style="color:rgb(22, 62, 106);">一、人民幣殘損鈔兌換標準</b></p> <p class="ql-block">? ? ? ?所有兌換的紙幣首先要執(zhí)行人行要求必須兌換的人民幣其圖案、文字能按原樣連接。<b style="color: rgb(237, 35, 8);">人行特別提醒：不能按原樣連接的部分，不作為票面剩余面積計算。</b></p> <p class="ql-block"><span style="color: rgb(22, 62, 106);">? ? ?【</span><b style="color: rgb(22, 62, 106);">特殘幣定義</b><span style="color: rgb(22, 62, 106);">】</span><span style="color: red;">特殊殘缺、污損人民幣</span><span style="color: rgb(22, 62, 106);">是指票面因火災、蟲蛀、鼠咬、霉爛等特殊原因，造成外觀、質地、防偽特征受損，紙張?zhí)炕⒆冃?，圖案不清晰，不宜再繼續(xù)流通使用的人民幣。</span></p> <p class="ql-block"> <b style="color: rgb(22, 62, 106);">【兌換分類】：殘缺、污損人民幣兌換分“全額”和“半額”兩種情況。</b></p> <p class="ql-block"><b style="color: rgb(22, 62, 106);">【全額標準】</b><span style="color: rgb(22, 62, 106);"> </span><span style="color: red;">能辨別</span><span style="color: rgb(22, 62, 106);">面額，票面剩余</span><span style="color: red;">四分之三(含四分之三)以上</span><span style="color: rgb(22, 62, 106);">， 其圖案、文字能按</span><span style="color: red;">原樣連接</span><span style="color: rgb(22, 62, 106);">的殘缺、污損人民幣，金融機構應向持有人按原面額全額兌換。</span></p> <h3 style="text-align: left;"><br></h3>
<p style="text-align: left; line-height: 150%; text-indent: 0.39in; margin-top: 6pt; margin-bottom: 0pt; margin-left: 0in; unicode-bidi: embed; direction: ltr; language: zh-CN; mso-vertical-align-alt: auto; mso-line-break-override: none; punctuation-wrap: hanging;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">【半額標準</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">】 </span></p>
<p style="text-align: left; line-height: 150%; text-indent: 0.39in; margin-top: 6pt; margin-bottom: 0pt; margin-left: 0in; unicode-bidi: embed; direction: ltr; language: zh-CN; mso-vertical-align-alt: auto; mso-line-break-override: none; punctuation-wrap: hanging;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">1.</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">能辨別</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">面額，票面剩余</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">二分之一</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">(</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">含二分之一</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">)</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">至四分之三以下</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">，其圖案、文字能按</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">原樣連接</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">的殘缺、污損人民幣，金融機構應向持有人按原面額的一半兌換。</span></p>
<p style="text-align: left; text-indent: -0.3in; margin-top: 6pt; margin-bottom: 0pt; margin-left: 0.3in; unicode-bidi: embed; direction: ltr; language: zh-CN; mso-vertical-align-alt: auto; mso-line-break-override: none; punctuation-wrap: hanging;"></p>
<p style="text-align: left; line-height: 150%; text-indent: 0.39in; margin-top: 6pt; margin-bottom: 0pt; margin-left: 0in; unicode-bidi: embed; direction: ltr; language: zh-CN; mso-vertical-align-alt: auto; mso-line-break-override: none; punctuation-wrap: hanging;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">2.</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">紙幣呈正</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">十字形缺少四分之一</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">的，按原面額的一半兌換。</span></p>
<p style="text-align: left; line-height: 150%; text-indent: 0.39in; margin-top: 6pt; margin-bottom: 0pt; margin-left: 0in; unicode-bidi: embed; direction: ltr; language: zh-CN; mso-vertical-align-alt: auto; mso-line-break-override: none; punctuation-wrap: hanging;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">3.</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;"> 五分按</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">半額</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">兌換的，兌付二分；兌付額</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">不足一分</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">的，</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">不</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">予兌換。</span></p>
<strong>
</strong><div style="text-align: left; text-indent: -0.3in; margin-top: 6pt; margin-bottom: 0pt; margin-left: 0.3in; unicode-bidi: embed; direction: ltr; language: zh-CN; mso-vertical-align-alt: auto; mso-line-break-override: none; punctuation-wrap: hanging;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;"> 二、【特殊殘缺、污損人民幣兌換</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">】 </span></div><div style="text-align: left; text-indent: -0.3in; margin-top: 6pt; margin-bottom: 0pt; margin-left: 0.3in; unicode-bidi: embed; direction: ltr; language: zh-CN; mso-vertical-align-alt: auto; mso-line-break-override: none; punctuation-wrap: hanging;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;"> 特殊殘缺、污損人民幣剩余面積是指票面圖案、文字、紙張能按原樣連接的實物 面積，</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">包括與票面原樣連接的炭化、變形部分。不能按原樣連接</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">的部分，</span><span style="color: red; font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: red; mso-style-textfill-fill-alpha: 100.0%;">不作為票面剩余面積</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">計算。</span><span style="color: rgb(102, 102, 102); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-color-index: 1; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-themecolor: text1; mso-style-textfill-fill-color: #666666; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-colortransforms: ">特殊殘缺、污損人民幣兌換仍需按照兌換標準執(zhí)行?？墒褂脙稉Q尺或兌換儀協(xié)助計算剩余面積，幫助網(wǎng)點確定兌換標準。<span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;"><span style="color: rgb(102, 102, 102); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-color-index: 1; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-themecolor: text1; mso-style-textfill-fill-color: #666666; mso-style-textfill-fill-alpha: 100.0%; mso-style-textfill-fill-colortransforms: "><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;"><span style="mso-spacerun: yes;"> </span></span></span></span></span></span></div>
<p class="ql-block"> <b style="color: rgb(22, 62, 106);">三、【兌換程序----</b><b style="color: rgb(102, 102, 102);">客戶認同兌換結果</b><b style="color: rgb(22, 62, 106);">】</b></p><p class="ql-block"> <span style="color: rgb(22, 62, 106);">1.</span><span style="color: red;">金融機構 </span><span style="color: rgb(22, 62, 106);">在辦理殘缺、污損人民幣兌換業(yè)務時，應向殘缺、污損人民幣持有人說明認定的兌換結果。不予兌換的殘缺、污損人民幣，應退回原持有人。</span></p><p class="ql-block"> <span style="color: rgb(22, 62, 106);">2.殘缺、污損人民幣</span><span style="color: red;">持有人</span><span style="color: rgb(22, 62, 106);">同意金融機構認定結果的，對兌換的殘缺、污損人民幣紙幣，</span><span style="color: red;">金融機構</span><span style="color: rgb(22, 62, 106);">應當面將帶有本行行名的“全額”或“半額”</span><span style="color: red;">戳記加蓋</span><span style="color: rgb(22, 62, 106);">在票面上。</span></p>
<p style="margin: 0cm 0cm 0pt; text-align: left; mso-pagination: widow-orphan;"><b style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="mso-font-kerning: 0pt; mso-bidi-font-family: Arial; mso-no-proof: yes;"><b style="mso-bidi-font-weight: normal;"><span lang="EN" style="color: red; font-family: 華文中宋; font-size: 16pt; mso-font-kerning: 0pt; mso-bidi-font-family: Arial; mso-ansi-language: EN;"><b style="mso-bidi-font-weight: normal;"><span style="color: red; font-family: 華文中宋; font-size: 16pt; mso-font-kerning: 0pt; mso-bidi-font-family: Arial; mso-ansi-language: EN;">四、殘損鈔兌換應注意的問題及案例</span></b></span></b></span></b></p>
<p class="ql-block"> <span style="color: rgb(22, 62, 106);">【例一】 如圖所示：非同一張幣但可拼湊為一張（或大于一張）時，當A券小于1/2，B券大于1/2小于3/4，以最大的一張計算剩余面積，該券應以</span><span style="color: red;">半額</span><span style="color: rgb(22, 62, 106);">兌換。</span></p><p class="ql-block"><span style="color: rgb(22, 62, 106);">? ? ? ?因為A券單張兌換時不夠1/2，按現(xiàn)行規(guī)定不能兌換。所以這張殘損幣只能撕開分別兌換，結果A券退回客戶，B券只能按照半額計算。</span></p> <span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;"> 連接處斷開，無法判斷是同一張。按大的面積算，兌換半額。</span>
<p style="text-align: left; line-height: 185%; margin-top: 0pt; margin-bottom: 0pt; vertical-align: baseline; unicode-bidi: embed; direction: ltr; language: zh-CN;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;"> 【</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">例二</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">】</span><span style="color: rgb(204, 51, 0); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #CC3300; mso-style-textfill-fill-alpha: 100.0%;">非同一張幣拼湊</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">，兩張雖然拼起來超過</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">1/2</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">或者超過</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">3/4</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">，但當</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">A</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">券和</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">B</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">券都不夠</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">1/2</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">時，這樣拼起來的殘損券都不能給予兌換。</span></p>
<p style="text-align: left; margin-top: 0pt; margin-bottom: 0pt; vertical-align: baseline; unicode-bidi: embed; direction: ltr; language: zh-CN;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;"> 【</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">例三</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">】</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">掌握兌換標準不正確</span></p>
【<span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">例四</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: en-US; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">】</span><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">正十字形四分之一為假幣，剩余四分之三為真幣，按假幣（變造幣）處理，不能兌換。</span> <span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">請判斷：可以兌換嗎？ </span> <p class="ql-block"><span style="color: rgb(22, 62, 106);"> 答案：可以。按比例尺掌握。</span></p>
<p style="text-align: left; line-height: 150%; text-indent: 0.39in; margin-top: 3.84pt; margin-bottom: 0pt; vertical-align: baseline; unicode-bidi: embed; direction: ltr; language: zh-CN;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">答案：兌換半額。</span></p>
<p style="text-align: left; line-height: 150%; text-indent: 0.39in; margin-top: 3.84pt; margin-bottom: 0pt; vertical-align: baseline; unicode-bidi: embed; direction: ltr; language: zh-CN;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">答案：全額，是一張連接。</span></p>
<p style="text-align: left; line-height: 150%; text-indent: 0.39in; margin-top: 3.84pt; margin-bottom: 0pt; vertical-align: baseline; unicode-bidi: embed; direction: ltr; language: zh-CN;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">答案：橫豎號碼可判斷為同一張，兌換全額。</span></p>
<p style="text-align: left; line-height: 150%; text-indent: 0.39in; margin-top: 3.84pt; margin-bottom: 0pt; vertical-align: baseline; unicode-bidi: embed; direction: ltr; language: zh-CN;"><span style="color: rgb(22, 62, 106); font-family: 華文中宋; font-size: 16pt; language: zh-CN; mso-ascii-font-family: 華文中宋; mso-fareast-font-family: 華文中宋; mso-bidi-theme-font: minor-bidi; mso-font-kerning: 12.0pt; mso-effects-shadow-color: silver; mso-effects-shadow-alpha: 100.0%; mso-effects-shadow-dpiradius: 3.0pt; mso-effects-shadow-angledirection: 2700000; mso-effects-shadow-dpidistance: 3.0pt; mso-effects-shadow-pctsx: 100.0%; mso-effects-shadow-pctsy: 100.0%; mso-effects-shadow-anglekx: 0; mso-effects-shadow-angleky: 0; mso-effects-shadow-align: topleft; mso-style-textfill-type: solid; mso-style-textfill-fill-color: #163E6A; mso-style-textfill-fill-alpha: 100.0%;">答案：半額標準。</span></p>
<p class="ql-block"><b style="color: rgb(22, 62, 106);">五、殘損鈔兌換相關法規(guī)及要求</b></p><p class="ql-block">【法規(guī)依據(jù)】</p><p class="ql-block">? ? ? ?1.《中華人民共和國中國人民銀行法》、《中華人民共和國人民幣管理條例》、《中國人民銀行殘缺污損人民幣兌換辦法》 （中國人民銀行令[2003]第 7號），2004年2月1日起施行 。是目前仍在執(zhí)行的標準。</p><p class="ql-block">? ? ? ??2.《中國人民銀行關于做好特殊殘缺污損人民幣兌換工作有關事項的通知》（銀發(fā)[2007]280號），2007年9月人總行發(fā)出對特殊殘損人民幣兌換做出具體規(guī)定。</p><p class="ql-block"><br></p> <p class="ql-block"><span style="color: rgb(22, 62, 106);">【違規(guī)處罰】《辦法》摘錄</span></p><p class="ql-block"><span style="color: rgb(22, 62, 106);">? ? ? ?1.第十一條 違反本辦法第三條規(guī)定的金融機構，由中國人民銀行根據(jù)《中華人民共和國人民幣管理條例》第四十二條規(guī)定，依法進行處罰。</span></p><p class="ql-block"><span style="color: rgb(22, 62, 106);">? ? ? ?2.第三條 凡辦理人民幣存取款業(yè)務的金融機構應無償為公眾兌換殘缺、污損人民幣，不得拒絕兌換。 </span></p><p class="ql-block"><span style="color: rgb(22, 62, 106);">【違規(guī)處罰】《條例》摘錄</span></p><p class="ql-block"><span style="color: rgb(22, 62, 106);">? ? ? 1.第四十二條：辦理人民幣存取款業(yè)務的金融機構違反本條例第二十二規(guī)定的，由中國人民銀行給予警告，并處1000元以上5000元以下的罰款；對直接負責的主管人員和其他直接責任人員，依法給予紀律處分。</span></p><p class="ql-block"><span style="color: rgb(22, 62, 106);">? ? ? ? 2.第二十二條：辦理人民幣存取款業(yè)務的金融機構應當按照中國人民銀行的規(guī)定，無償為公眾兌換殘缺、污損的人民幣，挑剔殘缺、污損的人民幣，并將其交存當?shù)刂袊嗣胥y行。中國人民銀行不得將殘缺、污損的人民幣支付給金融機構，金融機構不得將殘缺、污損的人民幣對外支付。</span></p> <p class="ql-block"><span style="color: rgb(22, 62, 106);">附：關于殘缺污損人民幣兌換有關問題的通知(南銀發(fā)〔２００４〕５９號)</span></p> <p class="ql-block"><span style="color:rgb(22, 62, 106);"> 人民銀行南京分行營業(yè)管理部、江蘇省各市中心支行，各國有獨資商業(yè)銀行江蘇省分行，各股份制商業(yè)銀行南京分行，江蘇省農(nóng)村信用合作社聯(lián)合社，江蘇省郵政儲匯局：</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> 《中國人民銀行殘缺污損人民幣兌換辦法》（中國人民銀行令〔２００３〕第７號）于２００４年２月１日開始施行后，各金融機構在執(zhí)行中遇到一些疑難問題，經(jīng)請示人民銀行總行，現(xiàn)就有關問題通知如下：</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> </span> <span style="color:rgb(22, 62, 106);">一、關于金融機構兌換下列殘損人民幣的問題</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （一）對火燒、蟲蛀、鼠咬、霉爛以及化學品侵蝕后縮小或變色的殘損人民幣，經(jīng)鑒定為真幣的，根據(jù)殘留票幅的有效面積，按照《中國人民銀行殘缺污損人民幣兌換辦法》有關規(guī)定處理。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （二）對挖補、拼湊、揭層、涂改面額等殘損人民幣，屬變造幣范疇，不予兌換，并應按照《中國人民銀行假幣收繳、鑒定管理辦法》（中國人民銀行令〔２００３〕第４號）有關規(guī)定處理。若一次性發(fā)現(xiàn)此類殘損券２０張（含２０張）以上的，金融機構應當立即報告當?shù)毓矙C關。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （三）對安全線被抽掉或光變油墨面額數(shù)字被揭挖，但其它部分經(jīng)鑒定為真幣的，根據(jù)殘留票幅的有效面積，按照《中國人民銀行殘缺污損人民幣兌換辦法》有關規(guī)定處理。若一次性發(fā)現(xiàn)此類殘損券２０張（含２０張）以上的，金融機構應當立即報告當?shù)毓矙C關。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （四）對圖案、文字不能按原樣連接的殘損人民幣１００元和５０元券，經(jīng)鑒定為真幣的，且橫豎冠字號碼完全相同，根據(jù)殘留票幅的有效面積，按照《中國人民銀行殘缺污損人民幣兌換辦法》有關規(guī)定處理。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> 二、關于金融機構出具《殘損人民幣兌換認定證明》的問題</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （一）持幣人對金融機構認定的兌換結果有異議，要求出具認定證明的，認定機構應當出具全省統(tǒng)一的《殘損人民幣兌換認定證明》（見附件１）?！稓垞p人民幣兌換認定證明》為一式三聯(lián)。第一聯(lián)為存根聯(lián)，由辦理認定兌換的金融機構留存，并登記《江蘇省殘損人民幣兌換臺賬》；第二聯(lián)為證明聯(lián)，隨殘損人民幣一并退持幣人。殘損人民幣經(jīng)人民銀行鑒定可兌換后，此聯(lián)應隨人民幣再鑒定書和可兌換殘損人民幣送交出具認定證明的金融機構；第三聯(lián)為備查聯(lián)，由人民銀行鑒定后留存?zhèn)洳椤?lt;/span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （二）對符合兌換標準的殘損人民幣，金融機構柜面辦理兌換時，無須開具《殘損人民幣兌換認定證明》，持幣人也不必提供相關證明材料。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （三）《殘損人民幣兌換認定證明》由金融機構根據(jù)業(yè)務需求，按統(tǒng)一規(guī)格制作、分發(fā)。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> 三、關于人民銀行鑒定、傳遞殘損人民幣及復點發(fā)現(xiàn)兌換有誤的問題</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （一）人民銀行鑒定、傳遞殘損人民幣，應執(zhí)行《江蘇省殘損人民幣兌換鑒定管理暫行規(guī)定》（南銀發(fā)〔２００３〕１２８號）。對鑒定后不予兌換的，應將《江蘇省殘損人民幣兌換再鑒定書》第二聯(lián)寄送出具《殘損人民幣兌換認定證明》的金融機構，將第三聯(lián)和《殘損人民幣兌換認定證明》第二聯(lián)及不可兌換的殘損人民幣退持幣人。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （二）金融機構認定不予兌換或半額兌換，持幣人不服，向人民銀行申請鑒定，經(jīng)鑒定，符合兌換標準可以兌換或全額兌換的殘損人民幣，人民銀行應出具《江蘇省殘損人民幣兌換再鑒定書》。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （三）人民銀行復點金融機構上繳的殘損人民幣時，發(fā)現(xiàn)金融機構兌換殘損人民幣有誤，按聯(lián)行差錯處理。</span></p><p class="ql-block"> <span style="color:rgb(22, 62, 106);"> 四、關于殘損人民幣兌換印章的規(guī)格及使用</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （一）“全額”和“半額”印章統(tǒng)一為長方形，其規(guī)格為：“全額”印章長５０毫米、寬３０毫米，“半額”印章長４０毫米、寬２５毫米；印章上方為“全額”或“半額”字樣，下方為金融機構簡稱，各市、縣地名和編碼。如中國工商銀行南京新街口支行為“工行—南京×××號”?！皟稉Q”印章為圓形，直徑３５毫米，印章上方為“兌換”字樣，下方為金融機構簡稱，各市、縣地名和編碼（見附件２）。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （二）“全額”、“半額”和“兌換”印章統(tǒng)一使用藍色油墨加蓋。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （三）上述印章由各國有獨資商業(yè)銀行江蘇省分行、股份制商業(yè)銀行南京分行（非管轄行當?shù)胤种校⒏魇谐鞘猩虡I(yè)銀行、江蘇省農(nóng)村信用合作社聯(lián)合社和江蘇省郵政儲匯局按規(guī)定統(tǒng)一制作、編號、備案、分發(fā)，人民銀行南京分行營業(yè)管理部和各市中心支行負責檢查監(jiān)督。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （四）金融機構辦理殘損人民幣兌換業(yè)務時，業(yè)務人員應當面在兌換的殘損人民幣紙幣上加蓋“全額”或“半額”印章，在封裝殘損人民幣專用袋的袋外封簽上加蓋“兌換”印章，同時還須加蓋帶行號或行名、機構簡稱的經(jīng)辦人名章。</span></p><p class="ql-block"><br></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> 五、關于殘損人民幣專用袋和封簽的使用</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （一）殘損人民幣紙幣殘損程度不太嚴重，且券別單一，能夠認定全額或半額的，不使用專用袋，兌換蓋章后，按券別并把并捆。同券別“半額”兌換的，應將兩個“半額”票幅粘貼為１張。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （二）殘損人民幣紙幣殘損嚴重的，或兩種以上券別的，或為硬幣的，經(jīng)認定兌換后，將殘損人民幣裝入專用袋（以金融機構牛皮紙信封代替）密封，加貼封簽（以所兌換券別的人民幣錢捆封簽代替），注明兌換日期、券別、張數(shù)和金額，并加蓋“兌換”印章和經(jīng)辦人名章，與所兌換券別的殘損人民幣并把并捆。</span></p><p class="ql-block"> <span style="color:rgb(22, 62, 106);">（三）對難以認定兌換標準的殘損人民幣，需送人民銀行再鑒定的，應裝入專用袋密封，加貼封簽，加蓋“兌換”印章和經(jīng)辦人名章，送達人民銀行。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> （四）殘損人民幣硬幣兌換后，應按規(guī)定的數(shù)量、金額統(tǒng)一使用２００２年人民銀行配發(fā)的硬幣專用盒盛放，填制裝箱票，加貼加蓋封簽和印章。</span></p><p class="ql-block"> <span style="color:rgb(22, 62, 106);">六、《殘損人民幣兌換認定證明》及“全額”、“半額”和“兌換”印章于２００４年６月１日啟用，原印章同時作廢。</span></p><p class="ql-block"> <span style="color:rgb(22, 62, 106);">上述通知精神如與人民銀行總行有關規(guī)定不符時，以人民銀行總行規(guī)定為準。</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> 附件：１．殘損人民幣兌換認定證明</span></p><p class="ql-block"><span style="color:rgb(22, 62, 106);"> ２.“全額”、“半額”和“兌換”印章規(guī)格</span></p><p class="ql-block" style="text-align:right;"><span style="color:rgb(22, 62, 106);"> 二○○四年四月二十日</span></p>