I. basic deposit account

1. If the enterprise is a legal person, the original business license of the enterprise as a legal person shall be issued.

2. An unincorporated enterprise shall issue the original business license.

3, the implementation of budget management organs and institutions, should be issued by the government personnel department or the establishment of the Committee's approval or registration certificate and the financial sector agreed to open an account; Non-budget management institutions shall issue the approval or registration certificate of the government personnel department or the establishment Committee.

4, the army, the Armed Police Corps (including) above the unit and decentralized duty branch (sub) team, should be issued by the army corps above the unit, the Armed Police Corps financial department account opening certificate.

5, social organizations, social organizations should be issued by the registration certificate, religious organizations should also be issued by the religious affairs management department approval or proof.

6. Private non-enterprise organizations shall issue private non-enterprise registration certificates.

7. The permanent establishment in the field shall issue the approval from the competent department of the local government.

8, foreign institutions in China, should be issued by the relevant competent departments of the state approval or proof; The representative offices and offices of foreign-invested enterprises in China shall issue registration certificates issued by the national registration authorities.

9 individual industrial and commercial households shall issue the original business license of individual industrial and commercial households.

10, the residents' committee, villagers' committee and community committee shall issue the approval or certificate of their competent departments.

1 1. The independent accounting subsidiary shall be issued with the basic deposit account account opening license and approval by the competent department.

12. Other organizations shall issue the approval or certificate from the competent government department.

If the depositor is a taxpayer engaged in production and business activities, it shall also issue a tax registration certificate issued by the tax department. If the tax registration certificate cannot be obtained in accordance with the relevant provisions of the state, it shall not be issued.

Second, the general deposit account

1. When a depositor opens a general deposit account, he shall fill in an application for opening an account;

2. Open the certification documents stipulated by basic deposit account;

3. basic deposit account account opening permit;

4 depositors need to borrow money from banks, and should issue loan contracts;

5. Depositors shall issue relevant certificates of fund settlement. .

Three. Special deposit account

1. Capital construction funds, renovation funds and policy real estate development funds must be approved by the competent authorities.

2. For extra-budgetary funds, a certificate from the financial department shall be issued.

3, grain, cotton, oil purchase funds, should be issued by the competent department of approval.

4, the unit bank card reserve, should be in accordance with the provisions of the articles of association of the bank card, issued by the people's Bank of China approved the relevant certificates and materials.

5. Securities trading settlement funds shall be issued by securities companies or securities management departments.

6. The margin for futures trading shall be issued by the futures company or the futures management department.

7. Financial institutions shall issue certificates when depositing interbank funds.

8. For income remittance and business expenses, relevant certificates of depositors in basic deposit account shall be issued.

9, the party, the league, the trade union in terms of organizational funds, should be issued by the unit or the relevant departments of the approval or proof.

10. Other funds that need special management and use according to regulations shall be issued with relevant laws and regulations or relevant documents of government departments.

1 1. RMB special accounts and RMB settlement fund accounts opened by qualified foreign institutional investors engaged in securities investment in China are included in the management of special deposit accounts. When opening a special RMB account, the approval document of the State Administration of Foreign Exchange shall be issued, and when opening a RMB settlement fund account, the securities investment business license of the securities management department shall be issued.

Four. Temporary deposit account

1, temporary institutions, should be issued by the local authorities agreed to set up a temporary agency approval.

2. The construction and installation unit in different places shall issue the original business license or business license of its subordinate units, as well as the license or construction and installation contract issued by the construction and installation department.

3, engaged in temporary business activities in different places, should be issued by the original business license and temporary business certificate approved by the administrative department for Industry and commerce.

4. When verifying the registered capital, the notice of pre-approval of the enterprise name of the administrative department for industry and commerce or the approval letter of the relevant department shall be issued.

Items 2 and 3 shall also issue their basic deposit account account opening licenses.

Extended data

Classification of company accounts:

1. basic deposit account is the main account for transfer settlement and cash receipt and payment. The daily fund collection and payment of business activities and the withdrawal of wages, bonuses and cash can be handled through this account.

2. The general deposit account is used for the deposit of depositors' loans, repayment of loans and other settlement funds. This account can be used for cash deposit, but not for cash withdrawal. There is no limit to the number of accounts opened.

3. Special deposit account refers to a bank settlement account opened by depositors in accordance with laws, administrative regulations and rules for the special management and use of their special funds.

4. Temporary deposit account is a bank settlement account opened by depositors for temporary needs and use within the prescribed time limit. When it is necessary for temporary business activities in different places, you can apply for opening a temporary deposit account in different places for the receipt and payment of funds.

reference data

Baidu Encyclopedia Enterprise Account

Baidu encyclopedia basic account

Baidu encyclopedia general deposit account

Baidu encyclopedia special deposit account

Baidu Encyclopedia Temporary Deposit Account