Enterprises can only open a basic account in one bank, and cannot open a basic deposit account repeatedly. Depositors who have opened basic deposit account must hold the basic deposit account account opening registration certificate to handle the opening, alteration and cancellation of other three types of accounts.

And make corresponding registration on the basic account Registration Certificate. When a depositor opens a basic deposit account in a bank, the local branch of the People's Bank of China will issue an account opening permit.

2. The unit shall open a bank settlement account at the place of registration or domicile. Except those who meet the requirements and can open a bank settlement account in different places.

The name of the bank settlement account opened by the unit shall be consistent with the full name of the account opening certificate provided by it. If the name of the unit is too long, the standardized abbreviation can be used, but it must be consistent with the seal of the reserved bank and clearly agreed with the bank in the management agreement.

The name and font size of the bank settlement account opened by individual industrial and commercial households shall be consistent with its business license; The name of the bank settlement account opened by individual industrial and commercial households is composed of the word "self-employed" recorded in the business license and the name of the operator.

Extended data:

Use and management of bank accounts:

1, basic deposit account

Basic deposit account is the main account of an enterprise, and the receipt and payment of funds for daily business activities and the withdrawal of wages, bonuses and daily cash must be handled through this account.

The unit can only open a basic deposit account in one bank, and other bank settlement accounts must be opened with the basic deposit account account opening permit, and the bank in basic deposit account shall be notified in writing within 3 working days from the date of opening the account, and the bank shall register accordingly on the account opening registration certificate.

2. General deposit account

General deposit accounts are used to handle the transfer of corporate loans, loan repayment and other settlement funds. This kind of account can handle cash deposits, but not cash withdrawals.

3. Special deposit account

Special deposit accounts are used to handle the receipt and payment of various special funds. Different special deposit accounts have specific provisions: the funds in the bank card account of the company must be deposited through basic deposit account transfer, and the account shall not handle cash receipt and payment business. Another example is the special deposit account for extra-budgetary funds, securities trading settlement funds, futures trading deposits and trust funds.

Capital construction funds, renovation funds, policy real estate development funds, and financial institutions that need to withdraw cash from interbank fund accounts shall be approved by the local branch of the People's Bank of China when opening an account. The local branches of the People's Bank of China shall be examined and approved according to the national cash management regulations. Therefore, various special deposit accounts should be used in accordance with relevant regulations.

4. Temporary deposit account

Temporary deposit accounts are used to handle the receipt and payment of funds generated by temporary institutions and temporary business activities. The validity period of such accounts shall be determined according to the period specified in the relevant account opening documents or the needs of depositors. If depositors need to extend the service life of their accounts, they should apply to the opening bank within the validity period, and the opening bank will apply for an extension after reporting to the local branch of the People's Bank of China for approval.

Temporary deposit accounts are opened for temporary needs, so the term of such accounts is no longer than 2 years. Such accounts can withdraw cash in accordance with the provisions of the state cash management. Registered temporary deposit account for capital verification shall be paid only during the capital verification period.

Baidu Encyclopedia-Corporate Bank Settlement Account