支付结算业务是指银行为单位客户和个人客户采用票据、汇款、托收、信用证、信用卡等结算方式进行货币支付及资金清算提供的服务。支付结算业务是银行的中间业务，主要收入来源是手续费收入。支付结算业务是国有商业银行在微利时代的产品创新基础。
支付结算业务，包括票据结算业务、银行卡结算业务、汇兑等业务。
The payment and settlement business, including the settlement of instruments, bank card settlement services, acceptance of instruments, etc.
第二条本办法所称支付结算业务代理，是指银行双方之间，一方委托另一方办理其支付结算业务的行为。
Article 2 the term "agency of payment and settlement business" refers to an act of, between two Banks, one party entrusting the other party to handle its business of payment and settlement.
严格按照《支付结算办法》的规定开设银行存款账户，严格遵守银行支付结算办法规定的结算纪律，保证结算业务的正常进行。
Open account strictly in the light of stipulations on Modes of Payment and settlement and ensure normal operation of settlement affairs by adhering to settlement discipline of bank.
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