Capital accounts are mainly divided into cash accounts and margin accounts.
(1) Cash account:
Cash account refers to the capital account that customers must pay the full price or deliver the securities to the securities company before the delivery date or when buying or selling securities through the securities company. Most individuals and large investors in China, such as insurance companies, enterprises or government pension funds, mutual funds, etc. Open a cash account.
(2) Margin account:
Margin account refers to a capital account where customers pay the price of the securities they buy according to the margin ratio specified in the account, and the balance is paid by the securities company, and the loan interest is converted according to the borrowing cost of the securities company. Under this account, customers can buy a lot of securities with little money.
Extended data:
Sources of fund account risk:
One is traditional means of theft and fraud. For example, criminals switch the QR code of the merchant and steal the funds that should have been transferred to the merchant account; By stealing mobile phones, recovering account information from abandoned old mobile phones or even directly operating accounts, Trojan horse programs and fee deduction software are implanted into QR codes, threatening the security of user accounts.
Second, the user's personal information was leaked. In fact, the process of mobile payment is a process of rapid transmission of personal information, which is easy to be leaked and stolen, providing an opportunity for criminals. After obtaining the account information, some hackers cracked the user password through a lot of trial and error operations, and even on some social platforms, there are channels dedicated to selling such accounts, forming a black trading industry chain.
Third, mobile phone viruses and malware threaten the security of mobile funds. More and more malicious software can steal users' privacy because of the loopholes in mobile phone system or the lack of security technology in payment platform. The openness of mobile phone platform provides a profitable soil for virus producers, and some mobile phone software is put on the market without security review, which makes mobile phone users hard to prevent.
Baidu Encyclopedia-Capital Account