When opening a stock (cash) investment account or a structured product account such as fund investment and bonds through ICBC (Asia) Online Banking, it is suggested to designate a savings account in Hong Kong dollars as the settlement account; You can still choose another account as the settlement account for online related investment transactions.

A settlement account is an account used for accounting and supervising the settlement of creditor's rights and debts between this unit and other units or individuals. Used to reflect and supervise the settlement of creditor's rights and debts between enterprises and other units or individuals.

Some settlement accounts are creditor's rights settlement accounts, such as accounts receivable, bills receivable and other receivables; Some are debt settlement accounts, such as accounts payable, notes payable, other accounts payable, wages payable, etc. Some are creditor's rights and debt settlement accounts, such as "other current accounts". Settlement accounts only refer to monetary indicators, and all accounts are classified according to the corresponding units or individuals with settlement business, so as to facilitate timely settlement and reconciliation. Due to the different nature of settlement business, the purpose and structure of settlement account are also different.