Signing a contract means that both parties have the obligation to perform their duties and enjoy rights and obligations in accordance with the proposed contract terms. For example, the main differences between a personal online banking non-contracted account and a contracted account are as follows: \ x0d \ a. Adding process: the account added through online banking becomes a non-contracted account; The account where the customer carries valid certificates and bank cards to the business counter for additional signing procedures is the signing account; \x0d\ b, Function restriction: Non-contracted accounts cannot make any online payment or transfer, but can only be queried. The contracted account can realize all the functions provided by CCB online banking (including payment or transfer); \ x0d \ c. Transaction limit: the transaction limit of non-contracted accounts is 0, and the transaction limit of contracted accounts is the limit set by customers when signing contracts at the counter; \x0d\ d, transaction process: non-contracted accounts cannot conduct transactions such as payment and online payment, so certificates are not enabled and account passwords are not used. Payment, online payment and other transactions must use dynamic password card or USB flash drive. , and after the certificate is enabled correctly after each login, any subsequent transaction will not be prompted to enable the certificate. \x0d\ Only individual online banking users can download digital certificates and purchase e-banking dynamic password cards or U shields.