The decision of the CSRC. If you used to participate in stock trading, you must open a third-party depository because the CSRC decided to invest in securities companies. "Third-party depository" means that the securities trading settlement funds of securities company customers are deposited by banks, and the depository banks are responsible for the deposit and withdrawal of customers' funds and the delivery of funds according to the requirements of laws and regulations, and the securities trading business remains unchanged. If the business personnel open it for you without your knowledge, this behavior is illegal, and you can complain to the bank manager.