What is a corporate card?
A corporate card is a debit card issued by a bank for a company. The difference from a general personal debit card is that 1. Cash cannot be withdrawn 2. Funds must come from the company Transfer to basic account. General legal person cards are used by companies for their senior executives to go out for consumption;
Pay attention to the difference with corporate legal person cards. Corporate corporate cards, also known as official seal cards, refer to the only IC card that represents the corporate identity in China's electronic ports. . The card is held by the legal representative of the company or its designated personnel. The company can apply for operator cards for its personnel, deactivate and cancel the company's operator cards, and can also manage the company's operator cards in the name of the legal person. Electronic documents are digitally signed.
What is the difference between a corporate bank and a general bank?
A legal person is relative to a natural person. It means that it has independently controlled property and can independently participate in civil activities on its own behalf and in its own name. A social organization that obtains civil rights and assumes obligations for itself.
So if you know something about company law, you should know that branches have legal personality, but subsidiaries do not.
All bank head offices must be corporate banks, and they are independent enterprises. As for the subordinate banks, if they can bear the debts alone without requiring the superior company to bear joint liability, then the subordinate bank is a legal person bank and serves as a branch of the head office.
For example, HSBC’s head office in the UK is a corporate bank, and it has branches in the United States, Canada and other countries. In fact, the HSBC Bank in the United States and Ghana and the HSBC Bank in the UK are There are three independent banks, but they are all funded by the head office in the UK. Now these foreign banks in China have also established corporate banks.
The biggest difference is that the legal person bank debts are borne alone. For example, if Citibank in the United States goes bankrupt, Citibank in China does not have to bear its debts because they are two different companies. The law cannot require Citibank in China to compensate depositors of Citibank in the United States. This is actually a risk prevention measure. .
If you are interested, you can learn about the content of company law, and I will pick it up for you
-------------------- -------------------------------
The conditions for the establishment of a legal person are as follows: The provisions of Article 37 mainly include the following four aspects:
1. Legal persons must be established in accordance with the law. That is to say, it must comply with legal provisions, be permitted by law, and be established with the approval of the state. It includes two aspects of meaning: First, in addition to being established in accordance with civil law, a legal person must also be established in accordance with prescribed legal procedures.
2. A legal person must have property for independent operation. If a legal person wants to carry out various economic activities and social interactions, it must have a certain material foundation as a guarantee. This is the property that is independently controlled by the legal person.
3. A legal person must have a clear organizational structure. Name and place. A legal person is a strict organizational body, not a loose alliance or alliance. Therefore, it must have a clear and organized body, not a loose joint labor union. Therefore, it must have a clear and organized body to exercise the powers of the legal person and engage in daily work. The name of a legal person is used to distinguish it from other legal persons. Some of it can indicate the work objects and affiliations of this organization or unit. A legal person has exclusive rights to its registered name, and products manufactured under this name can be identified. Contracts, patents obtained, etc. are not allowed to be used by other organizations and are protected by national laws; legal persons must also have a relatively fixed location, that is, domicile, which is the location of the legal person organization. It indicates the main place where the legal person conducts economic activities, and accordingly establishes bank accounts, performs claims and debts, and arranges litigation jurisdiction, etc.
4. A legal person must be able to bear civil liability independently. A legal person shall be liable for breach of contract in economic and social activities. If you fail to perform your debts or infringe upon the property and interests of society or other people, you must bear civil liability independently. Among the above four conditions, a legal person must have necessary assets or funds and be able to bear civil liabilities independently. These are the most obvious and prominent characteristics of an illegal person. Moreover, the above four conditions are indispensable, and only when they are met at the same time can it become a legal person.
How to apply for a legal person bank card in 5 minutes
You can consult your account manager. Generally, you need an account opening permit, an original and a copy of a business license, an original and a copy of tax registration, a financial seal, and a legal person's private seal. , authorization letter, does your company open a basic account or a general account?
What does credit card legal person mean?
Credit Card (English: Credit Card) is a non-cash transaction payment method and a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm (the size is defined by the ISO 7810 and 7816 series of documents). It is issued to the cardholder by a bank or credit card company based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card, and will repay the payment on the settlement date. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.
Credit card definition
A credit card is a specially-made carrier card with consumer credit issued by commercial banks to individuals and organizations, which can be used to purchase and consume from special organizations and deposit and withdraw cash from banks. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. What we call credit cards now generally refers to credit cards only. In layman's terms, a credit card is a small loan payment tool provided by banks to users to consume first and repay later. That is, when your shopping needs exceed your ability to pay or you do not want to use cash, you can borrow money from the bank. This kind of borrowing does not require any interest or handling fees. A credit card is a certificate that a bank promises to lend you money. A credit card will tell you how much money you can borrow from the bank and when you need to pay it back. In addition, you can also withdraw cash directly from the ATM machine when there is no money in your credit card.
Credit card features
Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, as long as Just repay the consumption amount on schedule. 1. You can overdraft consumption without deposit, and you can enjoy the interest-free period of 20-50 days. Repay on time without any interest. 2. Swiping your card when shopping is not only safe, hygienic and convenient, but also provides points for gifts. 3. You can enjoy discounts when using the card at the bank's designated merchants. 4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life. 5. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo. 6. Various discounts and lucky draws throughout the year, so you can always be surprised just by using the card. 7. Free mailed statements every month, allowing you to transparently control every consumption expenditure. 8. The unique supplementary card function is suitable for couples to manage finances together or control their children’s financial expenditures. 9. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB. 10. The toll-free 800 hotline provides 24-hour service. Reporting loss will take effect immediately, and there is zero risk of losing the card.
What does a corporate bank account mean?
"Public account" refers to the company (unit) account, and "private account" refers to the individual's account. When the officers pay their wages in the bank, they transfer money from the "public account" to the "private account".
What is a local corporate bank? Does it correspond to a national corporate bank?
Local corporate banks refer to joint-stock commercial banks established by local governments or commercial organizations in accordance with the law for the purpose of profit. There are two types of regional local banks and prefectural commercial banks. For example, my country currently has 143 local banks such as Shanghai Pudong Development Bank, *** Bank, and Bank of Chengdu.
The corresponding relationship mainly refers to the four major state-owned banks, and there is no such name as a national legal person bank.
What is the role of an enterprise's basic account? What is the difference from a bank card held by a legal person? Does the public account have to be debited every day?
The basic corporate account is opened in the name of the company, and the personal bank card is opened in the name of the individual.
The corporate account does not need to be credited every day. No, but some banks will charge a certain amount of account management fees, small account fees and other fees. The specific amount varies from bank to bank.
A basic corporate account generally has checks, money orders and other public bills drawn to you by others. You deposit it into it. If you pay for goods to other companies, you can use the account to remit to the other company in the name of the company, or You can write a transfer check directly to the supplier, and you can also withdraw a certain amount of cash from the business account. Generally speaking, the basic enterprise account is used to deal with the company.
PS: Bank accounts have nothing to do with the nature of your business. The nature of your business is related to the legal responsibilities you need to bear.
How can a corporate legal person apply for a credit card?
I don’t know what type of enterprise your organization is and how much its registered capital is
Corporate legal persons are generally considered to be high-risk groups. Applying for a credit card is not specifically for legal persons
But I can recommend several banks that are more suitable for you
Banks: You can try CITIC, China Merchants, Communications, Everbright, Shenzhen Development Bank, These are easier to handle in your legal person’s name, especially for investment, so they should be your first choice.
As for Bank of China, Minsheng, Guangfa, HuaXia, China Construction Bank, etc., you'd better not waste your time. . Legal representatives are very excluded. Minsheng registered capital of more than 1.5 million can also apply, but the quota is extremely low.
When applying for a credit card, it is best not to use your legal person identity and business license, as it will be difficult to get approved! The approved credit limit is also very low. Many bosses reported that their own cards were not approved, but their employees’ credit cards were approved, and their credit card limit was not as high as their employees’ credit limit. That’s the reason! A better way is:
You can use your position as deputy general manager and issue a higher income certificate with the company's official seal. This will make it easier to get approved and the amount will be more satisfactory.
What is a bank seal card?
A bank seal card is a card with the seal of the company that opens the account, which is the official seal, and the private seal of the legal representative, which is retained by the bank. It will be used to verify the authenticity of the seal in future business transactions. The seal card and seal sheet are the same thing.
What are the five certificates and one card for bank financing?
One card: loan card
Five certificates: business license, local tax certificate, national tax certificate, organization structure Code certificate, basic account opening license