Article 13 The following depositors may apply for opening a basic deposit account:
1. Enterprise legal person;
2. Independent accounting units within an enterprise as a legal person;
Three, the management of the financial sector budget funds and extrabudgetary funds;
Four, the implementation of financial budget management of administrative organs and institutions;
Five, at or above the county level (including) the army and the armed police force;
6. Foreign institutions in China;
Seven, social groups;
Eight, canteens, guest houses and kindergartens affiliated to the unit;
Nine, permanent institutions in the field;
Ten, private enterprises, individual economic households, contractors and individuals.
Article 14 A depositor may apply for opening a general deposit account under the following circumstances:
1. Obtain loans from banks outside basic deposit account;
Two, and basic deposit account depositors are not in the same place.
Article 15 A depositor may apply for opening a temporary deposit account under the following circumstances.
I. Provisional institutions in the field;
2 necessary for temporary business activities.
Article 16 A depositor may apply for opening a special deposit account for the following funds:
First, capital construction funds;
The second is the transformation funds;
Third, specific purposes require special funds.
Article 17 When applying for opening a basic deposit account, a depositor shall submit one of the following documents to the bank where the deposit is made:
1. Original enterprise legal person certificate or business license issued by the local administrative department for industry and commerce;
Two, the central or local organization committee, personnel, civil affairs and other departments of approval;
3. The account opening certificate of the financial department of the unit above the Armed Police Corps;
Four, the unit agreed to open an account for the affiliated institutions;
Five, the establishment of permanent institutions in the field of permanent organs and departments of approval;
Six, the contracting agreement signed by both parties;
Seven, personal identity card and residence booklet.
Article 18 When applying for opening a general deposit account, a depositor shall submit one of the following documents to the bank where the account is opened:
1. loan contract or loan receipt;
2. basic deposit account depositors agree to open accounts with their affiliated non-independent accounting units.
Article 19 When applying for opening a temporary deposit account, a depositor shall submit one of the following documents to the bank where the account is opened:
Temporary license issued by the local administrative department for industry and commerce;
Two, the local authorities agreed to set up a temporary agency approval.
Article 20 When applying for opening a special deposit account, a depositor shall submit one of the following documents to the deposit bank:
Documents approved by the competent department;
Second, the provisions of relevant state documents.
Chapter III Opening and Closing Accounts
Article 21 When applying for opening a basic deposit account, a depositor shall fill in an application form for opening an account, provide the documents specified in these Measures, send a seal card stamped with the depositor's seal, and open an account with the Account Opening Permit issued by the local branch of the People's Bank of China after approval by the bank.
Article 22 When a depositor applies for opening a general deposit account, a temporary deposit account or a special deposit account, he shall fill in an application form for opening an account, provide the supporting documents specified in these Measures, send a seal card stamped with the depositor's seal, and open an account after approval by the bank.
Article 23 Depositors specified in Item (3), Item (4) and Item (5) of Article 13 of these Measures who have opened a basic deposit account in a bank may open another basic deposit account according to their capital nature and management needs.
Article 24 Where a depositor applies for changing the name of an account, it shall cancel the original account and open a new account in accordance with the provisions of these Measures.
Article 25 When a depositor cancels his account, he must check the account balance with the bank where he opened the account, and go through the formalities of canceling the account after the bank has approved it.
When the depositor cancels the account, he should return all kinds of important blank vouchers and account opening licenses.
Article 26 After canceling basic deposit account, depositors may open new accounts in other banks in accordance with the provisions of these Measures.
Article 27 For an account that has not been received and paid for one year (calculated on a monthly basis), the account opening bank shall notify the depositor to handle the account cancellation procedures within 30 days from the date of issuing the notice, and it shall be deemed as automatic account cancellation after the deadline.
Chapter IV Account Management and Responsibility
Article 28 The People's Bank of China is responsible for coordinating and arbitrating disputes over the opening and use of bank accounts, supervising and auditing the establishment and opening of bank accounts, correcting and punishing acts violating the provisions of these Measures, and issuing and managing account opening licenses.
The account opening permit shall be uniformly made by the head office of the People's Bank of China.
Article 29 An account-opening bank shall be responsible for auditing the opening and closing of accounts in accordance with the provisions of these Measures, correctly handling the opening and closing of accounts, establishing and improving the registration system of expense accounts, establishing account management files, and regularly reconciling accounts with depositors.
When a bank cancels basic deposit account, opens or cancels a general deposit account, a temporary deposit account and a special deposit account, it shall report to the local branch of the People's Bank of China within 7 days from the date of opening or canceling.
Article 30 A bank may not open a basic deposit account for depositors without an account opening permit or who have opened a basic deposit account. Except as otherwise provided in these Measures.
Thirty-first banks shall not violate the provisions of these measures to force customers to open accounts in their own banks.
Credit cooperatives shall not open accounts for depositors beyond the prescribed business scope.
Article 32 Depositors shall not open basic deposit account in a number of financial institutions in violation of the provisions of these Measures.
Depositors are not allowed to open general deposit accounts in multiple branches of the same bank.
Thirty-third due to the strict implementation of the system and discipline of the bank, the depositor shall not transfer the basic deposit account.
The People's Bank of China shall not issue an account opening permit to depositors transferred to basic deposit account for the reasons mentioned in the preceding paragraph.
Article 34 A depositor's account can only handle the depositor's own business activities and may not be leased or transferred.
Article 35 Where an account-opening bank or depositor opens an account in violation of Article 30, Article 31, Article 32 and Article 33, paragraph 1 of these Measures, it shall cancel the duplicate account within a time limit and impose a fine according to its nature and circumstances.
Thirty-sixth banks that violate the provisions of the second paragraph of Article 5 of these Measures to pay cash to depositors and the provisions of the second paragraph of Article 29 shall be fined according to the provisions.
Article 37 A depositor who violates the provisions of Article 34 of these Measures shall be ordered to make corrections, fined for the amount of the leased or transferred account in accordance with the provisions, and the illegal income of the leased account shall be confiscated.
Thirty-eighth branches of the People's Bank of China in violation of these measures to issue an account opening permit, the people's bank at a higher level shall be fined according to the provisions.
Article 39 If a depositor violates the provisions of the second paragraph of Article 25 of these Measures, the consequences shall be borne by the depositor.
Fortieth bank staff who, in violation of the provisions of these measures, practice favoritism, accept bribes or connive at illegal acts shall be given administrative sanctions and economic penalties according to the seriousness of the case; If a crime is constituted, criminal responsibility shall be investigated by judicial organs according to law.
Extended data
Materials required for an enterprise to open an account in a bank:
Original and copy of business license
articles of incorporation
Original and photocopy of the legal representative's ID card
Copy of partner or shareholder's ID card
Original and photocopy of the agent's ID card.
Chapter V (Official Seal, Financial Seal, Company Seal, Special Seal for Contract and Special Seal for Invoice)
Other materials required by the local bank.
References:
Baidu Encyclopedia-Bank Account Opening Process
References:
Baidu Encyclopedia-Measures for the Administration of Bank Accounts