The Measures for the Administration of Bank Card Business has corresponding provisions on this:

Article 28 When applying for a bank card, an individual shall provide the card-issuing bank with his/her valid identity certificate specified by the public security department, and open a registered account for him/her after passing the examination by the card-issuing bank. ?

To open a basic deposit account, a domestic financial institution shall apply for a corporate card with an account opening permit issued by the People's Bank of China; Bank cards and their accounts are only used by cardholders approved by the issuing bank, and may not be rented or lent. ?

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Relevant laws and regulations of the Measures for the Administration of Bank Card Business:

Article 16 After receiving the relevant application materials of financial institutions, the CBRC or its dispatched offices shall inform the financial institutions of the relevant requirements at one time when they request commercial banks to supplement the materials according to the regulatory needs.

The CBRC or its dispatched office shall make a written decision on approval or disapproval within 3 months from the date of receiving the complete application materials for the establishment of electronic banking business that needs approval by financial institutions; If it decides not to approve, it shall explain the reasons.

Article 18 When a financial institution applies for various electronic banking services in the application report, the China Banking Regulatory Commission (hereinafter referred to as CBRC) or its dispatched office may approve all or part of the application for electronic banking services according to relevant regulations and requirements.

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