The so-called bank-securities transfer refers to the establishment of a corresponding relationship between the individual settlement deposit account (or debit card) opened by investors in the bank and the fund account of the securities company, and the transfer of funds between the bank and the securities company through telephone banking, online banking, outlets and telephone self-service equipment, online trading system and self-service equipment of the business department of the securities company, so as to provide convenience for investors to deposit and withdraw funds. Bank-securities transfer business is the premise and foundation for the development of e-commerce of securities firms, which greatly promotes the development of e-commerce of securities firms.

Advantages of bank-securities transfer

1. Fast: A fund transfer business can be completed in a few seconds, and the securities trading operation is faster and easier;

2. Safety: you don't need to carry too much cash when entering or leaving the securities exchange; Greatly reduce the risk of the deposit being misappropriated by securities companies.

3. Convenience: customers can deposit and withdraw money at various business outlets of the bank.

Bind the bank account with the securities account (open a third-party depository bank account), then you can transfer the funds from the bank account to the securities account through telephone entrustment or the bank-to-securities function of the online trading software of the securities company.

"Third-party depository" is a business provided by commercial banks, which is often used in securities, futures, real estate and other trading activities. Taking the third-party depository in securities trading as an example, it means that according to the requirements of laws and regulations, the depository bank is entrusted to take charge of the deposit and withdrawal of customers' funds and the delivery of funds, and the securities trading operation remains unchanged. Securities trading settlement funds of clients of securities companies shall be deposited by banks.