The examination and approval system of the central bank: basic deposit account, temporary deposit accounts (except those required for capital verification), special deposit accounts for budget units and special deposit accounts as otherwise stipulated by the People's Bank of China.

Filing system: general deposit account, special deposit account of non-budget unit and personal bank settlement account. What are the accounts for the filing system and the examination and approval system respectively? Give a clear answer?

Approved accounts: basic deposit account, temporary deposit accounts (excluding capital verification purposes) and special deposit accounts.

Bookkeeping accounts: general accounts, temporary accounts and special accounts.

What is the difference between the bank account opening approval system and the filing system?

I. Approval system: The accounts approved by the People's Bank of China include (approval system): (1) basic deposit account; (2) Temporary deposit account (except for registered capital verification and capital increase capital verification); (3) Special deposit account of budget unit; (4) RMB special accounts and RMB settlement fund accounts opened by qualified foreign institutional investors engaged in securities investment in China (hereinafter referred to as QFII special deposit accounts).

2. The bank account that needs to provide information for filing is the filing system, and the filing account includes (filing system): (1) general deposit account; (2) Personal bank settlement account; (3) Other special deposit accounts.

What is the filing system in basic deposit account?

Enterprise legal person, unincorporated enterprise and individual industrial and commercial households.

Banks in the pilot areas will open basic deposit account for qualified enterprises after examining the identity of enterprises, the authenticity of the willingness to open an account and the uniqueness of basic deposit account. Subsequent changes and cancellations of accounts are also adjusted from the examination and approval system to the filing system, without the approval of branches of the People's Bank of China.

The "Notice" also pointed out that it is necessary to strengthen the management before and after the event. Banks in pilot areas implement face-to-face visa system for enterprises to open basic deposit account; Sign an account management agreement with the enterprise to further clarify the rights, obligations and responsibilities of both parties; Strengthen the payment management of basic accounts to personal bank settlement accounts, and improve the handling mechanism of abnormal situations such as changes in important information of enterprises, failure to renew certificates, failure to cooperate with reconciliation, and no receipt and payment activities in accounts for one year in a row.