In the world, everything happens for a reason, not casually!
Case 1: Chang 'an, Dongguan cracked many cases of human trafficking in Gong Hu.
According to public information, in March, Chang 'an public security organs arrested a group of criminals who used public accounts to commit telecommunication network fraud. After grasping sufficient evidence, Chang' an police launched an arrest operation. On March 13, the police of anti-fraud center of Chang 'an Public Security Bureau arrested Chen Mou, a criminal suspect who used a shell company to defraud the bank's corporate account, in Dalang Town. On March 16, Nong Mo Bao, a suspect suspected of buying and selling documents of state organs, was arrested in Bian Xiao District of Chang 'an. On March 20th, Luo, an employee of an agricultural newspaper, was arrested in the community. On March 2 1, Zheng Mofang and Zhang, who were suspected of buying and selling documents of state organs, were arrested in Longhua District and Baoan District of Shenzhen. On March 23, Ma suspected of buying and selling documents of state organs was arrested in Baoan District, Shenzhen. It was during this period that banks all over the country began to be affected by opening accounts.
Case 2: Shenzhen anti-fraud joint rectification work
On the morning of March 26th 10, Shenzhen police dispatched more than 300 police officers to take action against the criminal bank "Nail No.5" involved in telecommunication network fraud, which started the "first shot" of the province's electronic fraud campaign against public accounts. On the day of the operation, the city seized 69 dens, 83 suspects, more than 200 seals of state organs and enterprises, more than 900 bank cards, 772 U-shields, more than 0/00 mobile phones, more than 0/000 telephone cards, 8 business licenses, and 654,330 photos of the front and back of citizen ID cards.
Case 3: 22 bank outlets in Hangzhou were suspended from opening accounts.
Subsequently, news about the Hangzhou Central Branch of the People's Bank of China broke out in the circle of friends, and one of them was suspended for three months by informed criticism: the bank account business of newly opened units in four bank outlets, 18 bank outlets, 1 month. Through the content, we know that according to the investigation of the bank accounts of enterprises involved in telecom fraud crimes, the bank was held accountable and the corresponding whole process staff of the bank was also punished. Seeing this, I believe everyone can understand the bank account opening audit, why be so cautious!
Chasing object
From the attitude of bank staff, we can know that once an enterprise account is opened, it is a telecom fraud account; The consequences are still a bit serious. First of all, branch/sub-branch network leaders, in-charge leaders, account managers, account opening counters, etc. Everyone must take responsibility. The specific punishment is self-evident.
From the above case, we can know why it is so difficult to open a bank in Gong Hu.
Related questions and answers: the bank account opening process of public account number 1 Call the bank customer service number and make an appointment with the bank account manager in advance; 2. The company as a legal person carries the original ID card, business license, company official seal, etc. , go to the bank outlets and submit the application materials to the customer service manager; 3. The company as a legal person shall fill in the application form and sign it as required by the bank; 4. The bank staff will upload the application materials to the People's Bank of China, and after the People's Bank of China agrees to open an account, it will issue an account opening license; 5. The account manager will inform the account holder to go to the bank to open an account and get back the certificate, U shield, etc. Basic deposit: basic deposit account is a bank settlement account that depositors need to open for daily transfer settlement and cash receipt and payment. An enterprise or institution can only open a basic deposit account in one bank. Depositors can only withdraw wages, bonuses and other cash through basic account. General deposit; A general deposit account is a bank settlement account opened by depositors in banking institutions outside basic deposit account for loans or other settlement needs. This account can handle transfer settlement and cash deposit, but it cannot handle cash withdrawal. Special deposit: A special deposit account is a bank settlement account opened by depositors for the special management and use of their special funds in accordance with laws, administrative regulations and rules. Special deposit accounts are used to handle the receipt and payment of special funds, and special deposit accounts that allow cash withdrawal must be approved. Capital construction funds, renovation funds, extra-budgetary funds, grain, cotton and oil purchase funds, unit bank card reserve funds, securities trading settlement funds, futures trading deposits, interbank funds deposited by financial institutions, income remittance funds and business expenditure funds, unit party, league and trade union organization funds and other funds that need special management and use according to regulations may apply for opening special deposit accounts. Temporary deposit account: a temporary deposit account is a bank settlement account opened by depositors for temporary needs and use within a specified period of time. It is used to handle the receipt and payment of funds generated by temporary institutions and depositors' temporary business activities. Withdrawing cash from a temporary deposit account shall be handled in accordance with the relevant provisions of the state on cash management. The scope of opening a temporary deposit account includes the establishment of temporary institutions, temporary business activities in different places, and verification of registered capital. Buying and selling "enterprise account" has violated the criminal law and will be punished by law. It is understood that it is mainly criminal gangs that buy corporate accounts in bulk, and they may disguise corporate accounts obtained through illegal transactions as regular companies. On the one hand, it makes it difficult for ordinary citizens to distinguish telecommunication network crimes, on the other hand, it makes the flow of funds more hidden, which also increases the difficulty of police investigation and handling cases, provides breeding ground for telecommunication fraud, money laundering, tax evasion, bribery and other criminal acts, and assists criminals in transferring funds, which seriously endangers people's property security and legitimate rights and interests and damages social integrity and social order. Which bank charges low? Bank settlement accounts are divided into unit settlement accounts and individual settlement accounts. Personal account opening is relatively simple. It's just that it's more troublesome to bring his own ID card to the bank outlet. Company settlement accounts can open basic settlement accounts and general settlement accounts. The difference between them is that a company can only have one basic deposit account, which must be approved by the People's Bank of China, and there is no limit on the number of general accounts. As for the handling fee, many banks don't charge it.
Step 1: Prepare account opening materials: original business license, original enterprise ID card, original agent ID card, power of attorney, official seal, financial seal and enterprise seal. If you want to open a general account, you must also have the original account opening license and the original institution credit code certificate. Before opening a general account, please open a long-term account with other banks. If you have an account that has been deactivated for a long time, you can't open a new general account, and you can't file it with the People's Bank of China.
The second step is to handle business at the bank counter. Fill in the application form for opening a unit settlement account, with the basic contents of business license code, unit name, legal representative, agent and unit address, etc. Finally, stamp the official seal and legal person seal on the application form. After filling out the form, the prepared originals will be submitted to the teller for review in turn, and the agent will continue to use the review time to fill in the account management agreement.
Step 3: The teller can open an account in the system and print the voucher after checking it, and then give the customer a triple seal card. After the customer fills it out, it will be stamped with the reserved seal (usually the financial seal and the legal person seal). The bank staff will keep a seal card with account opening information on it, one seal card will be kept for future inspection and the other will be given to the customer. This is the process of opening an account for ordinary households, and basic households should report their customer information to the People's Bank for approval.
There is not much information about bank account opening fees and deposit interest rates. The lower the deposit interest rate, the higher the fees charged by state-owned banks, while the fees charged by local banks are very low. In order to attract customers, many rural banks and rural commercial banks not only open unit households for free, but also open corporate online banking, corporate SMS and online banking transfer for free.