银行在办理结算业务中，必须严格执行结算制度和结算纪律。否则，有法不依，有章不循，违反结算纪律，给客户造成经济损失，银行应负民事责任、行政责任及刑事责任。 一、民事责任 1.银行因工作差错，发生结算延误，影响客户和他行资金使用的，应根据《违反银行结算制度处罚规 Banks in the settlement of business, we must strictly implement the settlement system and settlement discipline. Otherwise, there is no law, no rules, violation of settlement discipline, resulting in economic losses to customers, the bank should bear civil liability, administrative responsibility and criminal liability. First, the civil liability 1. Banks due to work errors, delays in the settlement, affecting the use of funds and his client, should be based on "bank settlement system penalties