The unit bank settlement account opened by depositors shall be subject to the effective date system, that is, the unit bank settlement account shall not handle payment services other than fund transfer and cash deposit within three working days from the date of formal opening, and payment can only be handled after three working days.
Bank legal person account (legal person bank account) is a company bank settlement account, which refers to an account opened in the bank in the name of the company.
For enterprise bank account (corporate bank account), the original business license, the original and photocopy of the legal representative's ID card and the official seal shall be provided;
If the legal representative does not open an account in the bank himself, the original and photocopy of the agent's ID card shall be provided, and the legal representative shall issue a power of attorney authorizing the agent to open an account in the bank.
Management of the bank where the account is opened:
The deposit bank is responsible for managing the opening and use of bank settlement accounts of its affiliated business institutions, supervising and inspecting the implementation of these Measures, and correcting the illegal opening and use of bank settlement accounts.
For capital construction funds, renovation funds, extra-budgetary funds, grain, cotton and oil purchase funds, unit bank card reserve funds, securities trading settlement funds, futures trading deposits, and interbank funds deposited by financial institutions;
Remittance of income, business expenses, funds of the party, league and trade union organizations of the unit and other funds that need special management and use according to regulations may apply for opening a special deposit account.
The bank that opens an account shall clearly designate a person to be responsible for the audit and management of the opening, use and cancellation of the settlement account, be responsible for the audit of the application materials for depositors to open an account, and timely submit the information of depositors' expense accounts in accordance with the provisions of these Measures, and establish and improve the registration system of expense accounts;
Establish bank settlement account management files and manage them according to accounting files. The storage period of the bank settlement account management file is 10 year after the bank settlement account is cancelled.
Implement the annual inspection system for the opened unit bank settlement account, check the compliance of the opened bank settlement account, and verify the authenticity of the account opening information; The unit bank settlement account opened in violation of these measures shall be revoked.
Changes in the verification data of various bank settlement accounts shall be reported to the local branches of the People's Bank of China in a timely manner.
Supervise depositors to use bank settlement accounts, and report suspicious funds to depositors in a timely manner according to the procedures stipulated by the People's Bank of China.