Settlement accounts are divided into four categories: basic account, general accounts, temporary accounts and special accounts.
Basic account:
Basic deposit account is the main account for transfer settlement and cash receipt and payment, and the fund receipt and payment of daily business activities and the withdrawal of wages, bonuses and cash can be handled through this account;
A depositor can only open a basic deposit account in a bank. Opening basic deposit account is the premise of opening other bank settlement accounts;
According to the Regulations on the Administration of RMB Bank Settlement Accounts, an organization can only choose one bank to apply for opening a basic deposit account.
Question 2: What kinds of bank accounts does the company have? Every accountant, especially the cashier, must know the company's bank accounts. When you know the company accounts, you should also know the types and related knowledge of the company accounts. (1) company bank settlement account 1. The cash withdrawal of deposit units in basic deposit account can only be handled through basic deposit account. A unit can only choose one bank's business institution to open a basic deposit account, and may not open multiple basic deposit account at the same time. 2. General deposit account This account can be used for cash deposit, but not for cash withdrawal. 3. Temporary deposit account A temporary deposit account refers to a bank settlement account opened by depositors for temporary needs and use within a specified period of time. Depositors who set up temporary institutions, carry out temporary business activities in different places or register for capital verification may apply for opening temporary deposit accounts. The term of validity of a temporary deposit account shall not exceed 2 years. 4. Special deposit account A special deposit account refers to a bank settlement account opened by depositors in accordance with the provisions of laws, administrative regulations and rules for the special management and use of funds with specific purposes. In order to manage and use the following funds, depositors can apply to open a special deposit account: (1) capital construction funds; (2) Updating and transforming funds; (3) Extrabudgetary funds; (4) Funds for purchasing grain, cotton and oil; (5) Securities trading settlement funds. (6) Futures trading margin. (7) Trust funds; (8) interbank funds deposited by financial institutions; (9) Policy real estate development funds; (10) Company bank card reserve fund; (1 1) Housing accumulation fund; (12) social security fund; (13) Income remittance funds and business expenditure funds; (14) organization funds of the party, league and trade union; (15) Other funds that need special management and use. (2) Approved account and filing account 1. Approved account An approved account refers to a bank settlement account that can be opened only after being approved by the People's Bank of China. The approved accounts mainly include: (1) basic deposit account; (2) Temporary deposit account (except for registered capital verification and capital increase capital verification); (3) Special deposit account of budget unit; (4) Special deposit accounts as otherwise stipulated by the People's Bank of China.
Question 3: What is the type of corporate bank deposit account? Generally divided into four types.
1. basic deposit account, used for enterprise cash deposit and withdrawal and bank receipt and payment. A company can only have one basic deposit account.
2. Ordinary accounts can only be used for receipt and payment of bank deposits, and cash cannot be withdrawn. A company can have many ordinary families.
3. Temporary account mainly refers to capital verification, that is, opening an account, transferring the money to basic deposit account after capital verification, and then closing the account.
4. Specialized users, such as accounts opened by enterprises to buy and sell stocks in the stock market, such as provident fund accounts.
Question 4: What is the general nature of a company's bank account? The nature of corporate bank accounts is generally basic account or ordinary accounts.
Question 5: What is the user name of corporate online banking of China Bank, that is, the note given to you when opening an account? This is the user name above. The login password is the online banking password you set in the bank? After logging in, you can use this username and password.
Before online shopping, you should also open the online payment function of online banking. Call 95566 if you don't understand.
Question 6: How many kinds of bank accounts are there? What is the difference? According to China's Measures for the Administration of Bank Accounts, bank accounts are generally divided into basic deposit account, general deposit accounts, temporary deposit accounts and special deposit accounts. An enterprise can open accounts in several banks, but the functions of these accounts are different. It is necessary to know all the following bank accounts.
First, the basic account number. It is an account for depositors to handle daily transfer settlement and cash receipt and payment. Cash expenditures such as wages and funds of enterprises can only be handled through basic deposit account.
An enterprise can only open one basic deposit account. When opening an account, you must hold an account opening permit issued by the local branch of the People's Bank of China.
Second, the general deposit account
The account was transferred from a bank loan outside basic deposit account and opened by a non-independent accounting unit that is not in the same place as the depositor in basic deposit account.
This account can be used for transfer settlement and cash deposit, but not for cash withdrawal.
3. Temporary deposit account.
This account is an account that the enterprise needs to open for temporary business activities. Enterprises can handle transfer settlement and cash receipt and payment through this account.
4. Special deposit account.
This account is an account that depositors can open with Industrial Bank for enterprise funds with specific purposes.
Special funds mainly include the following three parts:
1, capital construction funds
2. Update and convert funds.
3, specific purposes, the need for special account management of funds.
At the same time, according to China's "Measures for the Administration of Bank Accounts" and "Provisions on Punishment for Violation of Bank Settlement System", enterprises will also be severely punished for violating account management:
1. If an enterprise leases or transfers its account, it shall be ordered to make corrections, and a fine of 5% of the amount incurred but not more than 1000 yuan shall be imposed according to regulations, and the illegal income of the leased account shall be confiscated.
2. If an enterprise opens a basic deposit account in violation of regulations, it shall be ordered to cancel the account within a time limit and be fined more than 5000 yuan 10000 yuan.
In short, a bank basic deposit account generally refers to an account with "bank and account number" printed on the enterprise contract. An enterprise can only open one account, which must be approved by the People's Bank of China; The other three accounts are relatively easy to open, and enterprises can open multiple accounts in different banks.
Question 7: Does the corporate bank have a master account? Are there any other accounts in basic account? What is the difference? Basic deposit account is the account where the account opening unit handles daily transfer settlement and cash deposit and withdrawal.
It should be noted that the withdrawal of unit wages and funds can only be handled through basic deposit account; Credit card and corporate card deposits can only be transferred through basic deposit account; A unit can only open a basic deposit account in one business institution of a bank, and may not open multiple basic deposit account in multiple banking institutions.
A general deposit account refers to an account opened by an account-opening unit for transferring bank loans outside basic deposit account, and an account opened by a subsidiary non-independent accounting unit that is not in the same place as the unit that opened basic deposit account.
It should be noted that the account can be used for transfer settlement and cash deposit, but not for cash withdrawal: it is not allowed to open the account in multiple branches of the same bank at the same time.
The general deposit account is used to handle the deposit and repayment of depositors' loans: the bank will open a loan account for depositors and record the loan amount. When a borrower borrows money, the bank first lends the money from the bank to the loan account, and then transfers it from the loan account to the borrower's deposit account; When the borrower repays the loan, the money will be transferred from the borrower's deposit account to the loan account, and the bank will recover the loan from the loan account.
Question 8: What's the difference between a company account number and a company bank account number? I don't quite understand your question. I can only explain the account number of the enterprise. The drawer's account number is the account number opened by the enterprise in the bank.
Question 9: What are the bank accounts of enterprises? Bank deposit accounts include basic depositors, general depositors, temporary depositors and special depositors.
(1). basic deposit account basic deposit account is an account for daily transfer settlement and cash receipt and payment, and cash withdrawals such as wages and bonuses can only be handled through this account.
(2) General deposit account
A general deposit account refers to an account transferred from a bank outside basic deposit account, or an account opened by a subsidiary independent accounting unit that is not in the same place as a depositor in basic account. Enterprises can handle transfer settlement and cash deposit through this account, but they cannot handle cash withdrawal.
(3). Temporary deposit account
Temporary deposit account is an account opened by an enterprise for the needs of temporary business activities. The account can handle transfer and cash receipt and payment according to the national cash management regulations.
(4). Special account
A special deposit account is an account opened by an enterprise for a specific purpose.
Principle of opening an account: enterprises can choose their own banks, and banks can also choose depositors voluntarily. However, enterprises can only choose one bank's business institution to open basic deposit account, and may not open basic deposit account in multiple banking institutions; It is not allowed to open a general deposit account in multiple branches of the same Geng Bank.
Question 10: What are the requirements for opening an enterprise bank account? You must have a copy and original of the enterprise business license, tax registration certificate, organization code certificate and legal person ID card. Legal persons do not need to write a power of attorney and an agent ID card. There are also official seals, financial seals and company seals.
When you have these things ready, you can open an account.