A bank account is a fund account opened by an individual or institution in a bank for depositing and withdrawing money, loans, etc. At present, all major commercial banks in China have launched bank accounts with three functions: deposit account, loan account and investment account. Take the "wealth management account" launched by ICBC as an example, which has the following three account functions:

(1) deposit account, basic account and multi-currency demand savings deposit, ATM deposit and withdrawal, other US dollars, Hong Kong dollars and other savings deposits;

(2) Loan function: The loan account can meet the needs of customers to apply for multiple personal loans with one account, and provide convenient and unified personal loan application, issuance, balance inquiry and loan repayment business functions.

(3) Investment accounts, including gold, insurance and other capital accounts and related investment accounts. Customers can conduct related gold transactions and "bank-insurance-link" business. Enjoy the convenience of "one household for multiple purposes". Securities accounts are different types and uses of securities accounts opened by natural persons and legal persons. However, a natural person or legal person can only open a securities account of the same category and use.

Securities accounts include stock trading accounts, fund accounts, commodity futures accounts, stock index futures accounts, foreign exchange futures accounts and other accounts. Individual or institutional investors can open different fund accounts according to their investment needs:

(1) Stock trading account

Stock trading account refers to the account opened by investors in securities companies for stock trading. Opening a stock account is a prerequisite for investors to enter the stock market. Through the stock trading account, investors can trade stocks, bonds, warrants and so on.

(2) Fund account

Fund account, also known as TA fund account (referred to as TA fund account for short), refers to the account set up by the registrant for investors to manage and record the changes in the types and quantity of funds registered by the registrant.

(3) Futures accounts

① Commodity futures account

Commodity futures accounts, that is, futures accounts and capital accounts opened by investors. The CSRC has not clearly stipulated the minimum amount of funds for commodity futures investors to open accounts. With the gradual increase of bank transfer and futures securities transfer business, customers can freely transfer funds between bank accounts, securities accounts and futures accounts.

② Financial futures account

Financial futures are generally divided into three categories: foreign exchange futures, interest rate futures and stock index futures. As a kind of futures trading, financial futures has the general characteristics of futures trading, but compared with commodity futures, its contract subject matter is not physical goods, but traditional financial goods, such as securities; Currency, interest rate, etc. Financial futures accounts have certain requirements for the qualification of commodity futures accounts. In China, the minimum margin required for stock index futures is 500,000 yuan.