Class I account is a full-featured account, which can handle deposits, transfers, consumer payments, and purchase investment and wealth management products. And the use range and dosage are not limited. Personal wage income, large transfer, bank-securities transfer, and payment and payment of medical insurance, social insurance, pension, provident fund and other businesses must be handled through Class I households.
Class II families can deposit money, buy bank investment and wealth management products, and pay for consumption. However, the biggest difference with Class I accounts is that Class II accounts cannot access cash or transfer money to unbound accounts. Although it is not possible to transfer money, Class II accounts can still be spent on the payment platform, but the single-day payment limit is 1 1,000 yuan.
Class III accounts are equivalent to "coin purses" and are used for small and high-frequency transactions, such as mobile payment and QR code payment. Account balance cannot exceed 1000 yuan.
It should be noted that Class II and Class III accounts have limited functions. Only accounts have no physical cards and can only be used in combination with Class I accounts.
Question 2: What does the account type mean? 20-point account types are divided into: basic account, temporary account, special account and ordinary account.
Generally, cash can be withdrawn from basic account or temporary accounts (temporary institutions only have temporary accounts, such as XXX project department of construction company). Withdrawals from special accounts are relatively small and must be approved by the People's Bank of China. Ordinary account cannot be withdrawn.
Question 3: What is the content of account classification? Account classification 1. According to the degree of detail and control relationship of the specific content of accounting elements reflected in the account, the account used for overall classification and accounting of the specific content of accounting elements is called general ledger account, also known as first-class account. Accounts used to classify the specific contents of accounting elements are called detailed accounts, which are divided into primary, secondary and tertiary accounts. 2. According to the economic content reflected by the account, it can be divided into asset account, responsibility account, owner's equity account, cost account and profit and loss account.
Question 4: What do the first, second and third types of bank accounts mean? On February 25, 20 15, the central bank issued the Notice on Improving Personal Bank Account Services and Strengthening Account Management, which regulated it from five aspects: implementing personal bank account real-name registration system, establishing classified management mechanism of bank accounts, standardizing the agency to open personal bank accounts, strengthening internal management of banks and improving bank account services, and clearly put forward "establishing classified management mechanism of bank accounts".
The circular stipulates that banks should establish a classified management mechanism for bank accounts, carefully determine the functions, payment channels and payment limits of bank accounts in accordance with the principle of "know your customer" and the verification method and risk level of the applicant's identity information, and implement classified management and dynamic management. In the past, accounts opened through bank counters were classified as bank accounts. In the future, applicants can open bank accounts, bank accounts or @ bank accounts through electronic channels such as counters, remote video ATMs and smart ATMs, online banking and mobile banking. Depositors can make deposits, purchase investment and wealth management products, transfer money, pay consumption fees and withdraw cash through bank accounts; Handle deposits, purchase investment and wealth management products, limit consumption and payment through bank accounts; Handle a certain amount of consumption and payment business through the @ account. [6] Lunlun account and @ Lunlun account shall not access cash or distribute physical media.
Question 5: What is the significance of bank account classification? For consumers, it is more convenient to open an account in a bank, with simple procedures and low cost. Because there is no physical medium for the second and third types of accounts, customers can open accounts online without paying the cost. Using virtual account for online payment and fee payment has higher performance, and there is no risk of being stolen and copying card information.
From the perspective of supervision, it is helpful for the central bank to standardize the real-name registration system and classified management of accounts and promote the development and supervision of online payment. The regulations require banks to reasonably determine the number of accounts opened by a single customer, discourage disorderly competition and blind account opening, standardize the order of account opening, and facilitate the supervision of large capital changes in central bank accounts.
From the bank level, it is beneficial to bank account real-name registration system and risk management. For Class I accounts opened at the counter, the Bank will prudently strengthen identity verification and strictly put an end to impersonation and frequent account opening. Help banks reduce account management costs.
Question 6: Measures for the classified management of personal bank accounts What do the three types of bank accounts mean? Basic depositor: Withdrawable, subject to the approval of the People's Bank of China. General depositor: it cannot be withdrawn and does not need approval. Temporary depositor: Withdrawable, except for capital verification and capital increase, which shall be approved by the People's Bank of China. Personal bank account: it can be withdrawn without approval. Special depositor: different accounts. The specific provisions are as follows: 1, corporate bank card, no withdrawal; 2, extra-budgetary funds, securities trading settlement funds, futures trading margin, special account for trust funds, no withdrawal; 3, capital construction funds, decoration funds, policy real estate development funds, and financial institutions need to withdraw cash from their interbank fund accounts. When opening an account, it shall be approved by the branch of the People's Bank of China. 4. Cash withdrawal from the special deposit account for grain, cotton and oil purchase funds, social security funds, housing funds and trade union funds shall be handled in accordance with the provisions of the state on cash management. 5. Except for payment to depositors in special financial accounts with extra-budgetary funds in basic deposit account, the income remittance account can only accept but not pay, and cash withdrawal is not allowed. Except for the funds transferred from basic deposit account, the business expense account only pays but does not accept, and its cash collection must be handled in accordance with the cash management regulations of Guojia. Examination and approval system: the special deposit accounts of budget units and QFII should be approved by the People's Bank of China, and other special deposit accounts should be reported for the record.
Question 7: How to classify enterprise accounts? The account classification is 1, which is classified according to the details and control relationship of the specific content of accounting elements reflected by the account.
An account used to classify the specific contents of accounting elements, referred to as the general ledger account, is also called the first-level account.
Accounts used to classify the specific contents of accounting elements are called detailed accounts, which are divided into primary, secondary and tertiary accounts.
2, according to the classification of economic content reflected in the account.
It can be divided into: asset account, responsibility account, owner's equity account, cost account and profit and loss account.
Question 8: How many types of accounts are there? 1. Administrator account: The administrator account of the computer has control over the whole system, can change system settings, can install and delete programs, and can access all files on the computer. In addition, it has the right to control other users. There must be at least one computer administrator account in Windows 7. When there is only one computer administrator account, the account cannot change itself into a restricted account.
2. Standard user account: A standard user account is an account subject to certain restrictions. You can create multiple such accounts in the system or change their account types. This account can access the programs already installed on the computer, and can set the picture and password of its own account, but it has no right to change the settings of most computers.
Guest account: Guest account is for those who don't have a user account on board. Fox is just a temporary account. It is mainly used for remote login of online users accessing computer systems. Guest account only has the lowest authority, no password, and can't make any changes to the system, only the information inside can be saved.
The account type can be modified according to the actual needs (it must be the administrator's permission).
Step 1: Select "Add or Delete Users" in the control panel;
Step 2: Select the user whose permissions you want to modify, and then select "Change Account Type";
Step 3: Select "Administrator" from "Standard Account" and click "Change Account Type" (just set it according to actual needs);
Step 4: Restart the computer and select the account you just set.
Question 9: What does a second-class account mean? Personal bank accounts are divided into primary bank accounts, secondary bank accounts and tertiary bank accounts, and there are three channels for opening accounts, namely, counters, self-service machines and electronic channels.
Functional distinction
A type of account: deposit, purchase of wealth management products, transfer, consumer payment, withdrawal of cash, etc.
Class II accounts: deposit, purchase of wealth management products, limited consumption, payment, etc. The difference with Class I accounts is that cash cannot be withdrawn, and there are restrictions on consumption and payment, with a maximum of 10000 yuan per day.
Three types of accounts: limited consumption and payment. The account balance of Class III households shall not exceed 1 1,000 yuan, and the remaining funds in the account shall be returned to Class I households with the same name.
Distinction of account opening channels
Class I accounts: counters, remote video teller machines, intelligent teller machines and other self-service machines (bank staff verify identity information on site).
Class II accounts: self-service machines (bank staff did not verify their identity information on the spot), online banking and mobile banking and other electronic channels.
Class III account: same as Class II account.
Class II and Class III accounts cannot exist independently, but must be attached to Class I accounts. That is to say, if you want to open Class II and Class III accounts, you must have already opened Class I accounts.
Category II and III accounts only have virtual accounts, and banks do not provide physical cards.
Question 10: What does the social security personal account category name K mean? ! How is the category divided! ! Ask for advice! ! ! You can go to the local social security bureau or call 12333 to check the manual.