There are four kinds of enterprise deposit accounts.
1. basic deposit account: Every enterprise must have one and only one, and can withdraw cash.
2. General account: You can open many accounts, and you can only transfer money, but you can't withdraw cash.
3. Temporary account: used for capital verification when it is established.
4. Specialized users: used for professional purposes, such as doing a project and so on.
What is a bank deposit? What are the deposit accounts opened by enterprises in banks? Bank deposits refer to the monetary funds deposited by enterprises in banks and other financial institutions. According to the provisions of the national cash management and settlement system, every enterprise must open an account in a bank, which is called settlement account deposit, for deposit and withdrawal and transfer settlement.
What are the basic deposit account (each enterprise only needs to open one in the People's Bank for filing), general account (according to the needs of the enterprise), special account and temporary account (valid for two years) opened by the enterprise in the bank?
What are the rules for opening a bank deposit account? 1. Requirements for opening a bank deposit account:
(1) Enterprises and individual industrial and commercial households shall have the Business License for Enterprise as a Legal Person or the original Business License issued by the local administrative department for industry and commerce;
(2) The organs and institutions shall be approved by the central or local organization establishment committee, personnel and civil affairs departments;
(3) With the above documents as evidence, with the approval of the public security department, engrave the official seal and financial seal with the same name as in the business license or file;
(4) The company name stamp, the name stamp of the chief financial officer and the name stamp of the financial personnel responsible for handling banking business.
2. Processing flow:
(1) Except for individual industrial and commercial households, all enterprises and units must go to the local metrology department to apply for the program code certificate, and in some places, they are required to get the tax payment certificate from the local tax department.
(2) Apply for opening an account with the above documents to the bank (or credit cooperative) and fill in the application form for opening an account (or application form).
(3) With the application form (or application form) and seal, original business license or file, code certificate and tax certificate, wait until the local people's bank obtains the account opening permit. Endorsed by the bank.
(4) Send the obtained copy of the Account Opening Permit to the account opening bank, and the bank will open an account accordingly, and reserve the seal on the seal card for future reference as required by the bank.
(5) Buy a certain number of transfer checks and cash checks from the bank where the account is opened.
(6) according to the requirements of the bank, transfer or deposit a certain amount of funds in the opened account for use.
Is there a special account for the deposit account opened by the enterprise in the bank according to the relevant regulations? Measures for the Administration of RMB Bank Settlement Accounts (Order [2003] No.5 of the People's Bank of China)
Article 3 Bank settlement accounts are divided into unit bank settlement accounts and individual bank settlement accounts according to depositors.
(1) The bank settlement account opened by the depositor in the name of the company is the bank settlement account of the company. Unit bank settlement accounts are divided into basic deposit account, general deposit accounts, special deposit accounts and temporary deposit accounts according to their purposes.
Bank settlement accounts opened by individual industrial and commercial households with business licenses in the name of shop names or operators shall be included in the management of unit bank settlement accounts.
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Article 11 basic deposit account is a bank settlement account opened by depositors for daily transfer settlement and cash receipt and payment. The following depositors may apply for opening a basic deposit account:
(1) Enterprise legal person.
(2) an unincorporated enterprise.
(3) institutions.
(4) Decentralizing units at or above the regimental level, armed police forces and arms (detachments) on duty.
(5) social organizations.
(6) Private non-enterprise organizations.
(7) permanent institutions in different places.
(8) Foreign institutions in China.
(9) Individual industrial and commercial households.
(10) Residents' committees, villagers' committees and community committees.
(eleven) the independent accounting subsidiary established by the unit.
(12) Other organizations.
Article 12 A general deposit account refers to a bank settlement account opened by depositors in financial institutions outside basic deposit account for loans or other settlement needs.
Article 13 A special deposit account is a bank settlement account opened by depositors for the special management and use of their special funds in accordance with the provisions of laws, administrative regulations and rules. In order to manage and use the following funds, depositors may apply for opening a special deposit account:
(1) Capital construction funds.
(two) renovation funds.
(3) Extrabudgetary funds.
(4) Funds for purchasing grain, cotton and oil.
(5) Securities trading settlement funds.
(6) Futures trading margin.
(7) Trust funds.
(8) interbank funds deposited by financial institutions.
(nine) policy real estate development funds.
(ten) the unit bank card reserve fund.
(eleven) housing provident fund.
(12) social security fund.
(thirteen) income remittance funds and business expenditure funds.
(fourteen) the organization funds of the party, the league and the trade union.
(fifteen) other funds that need special management and use.
Income remittance funds and business expenditure funds refer to the income and expenditure funds of non-independent accounting units or institutions to which depositors in basic deposit account belong.
The special deposit account opened for remittance of income and business expenses shall use the name of the subordinate unit.
Article 14 A temporary deposit account is a bank settlement account opened by depositors for temporary needs and use within a certain period of time. In any of the following circumstances, the depositor may apply for opening a temporary deposit account:
(a) the establishment of temporary institutions.
(2) Temporary business activities in different places.
(3) Verification of registered capital.
What are the rules for the use of bank deposit accounts?
(1) Enterprises and individual industrial and commercial households shall have the Business License for Enterprise as a Legal Person or the original Business License issued by the local administrative department for industry and commerce;
(2) The organs and institutions shall be approved by the central or local organization establishment committee, personnel and civil affairs departments;
(3) With the above documents as evidence, with the approval of the public security department, engrave the official seal and financial seal with the same name as in the business license or file;
(4) The company name stamp, the name stamp of the chief financial officer and the name stamp of the financial personnel responsible for handling banking business.
Is the foreign exchange account opened in the bank a special deposit account? Bank's foreign exchange account can also be used to buy and sell currency pairs, but the handling fee is relatively expensive, there is no leverage, and you can communicate.
What deposit accounts can an enterprise open in a bank? There are four types of enterprise deposit accounts.
1. basic deposit account: Every enterprise must have one and only one, and can withdraw cash.
2. General account: You can open many accounts, and you can only transfer money, but you can't withdraw cash.
3. Temporary account: used for capital verification when it is established.
4. Specialized users: used for professional purposes, such as doing a project and so on.
Can enterprises open special deposit accounts and temporary deposit accounts in multiple banks? There can only be one deposit account in basic account, and other types of deposit accounts can be opened as required.