Problem description:
I just applied for one, but I don't know how to use it. ..
Analysis:
Articles of Association for Customer Service of Securities Business of China Construction Bank (for Trial Implementation)
(200 1 year 65438+February 1 rijian comprehensive development [200 1]No. 166)
Chapter I General Provisions
Article 1 In order to standardize the customer service of China Construction Bank's securities business system and provide customers with safe, convenient and fast services, according to the Commercial Bank Law, the Securities Law, the Measures for the Administration of Counter Book-entry Treasury Bond Trading of Commercial Banks, the Interim Measures for the Administration of Securities Investment Funds, the Pilot Measures for Open-end Securities Investment Funds, the Trading Rules for Open-end Funds and the Business Rules for Securities Business System of China Construction Bank and other countries.
Article 2 The securities business customer service mentioned in the Articles of Association (including individual investors and institutional investors) refers to the securities business services such as opening accounts, trading, allotment and fund transfer of open-end funds, book-entry bonds and other securities provided by China Construction Bank.
Article 3 The securities business service network and channels of China Construction Bank include business outlets for securities business, and gradually open telephone banking, online banking and call centers.
Article 4 China Construction Bank and its customers shall abide by relevant national laws and regulations and the Articles of Association.
Article 5 Customers should fully understand the risks of buying and selling securities such as open-end funds and book-entry bonds. CCB accepts the entrustment of customers to buy and sell securities on their behalf, and the risks are borne by the customers themselves.
Article 6 China Construction Bank shall be responsible for keeping confidential the matters entrusted by customers and the contents of accounts, except as otherwise provided by laws and administrative regulations.
Article 7 Customers shall read these Articles of Association carefully before handling securities-related business in China Construction Bank. When a customer opens an account in China Construction Bank or starts to handle relevant business, it shall be deemed that he agrees to and abides by the relevant provisions of the Articles of Association.
Chapter II Interpretation of Important Nouns
Article 8 Securities business system: A comprehensive business system established by China Construction Bank to handle the sales, registration, depository, transaction, settlement and fund transfer of open-end funds and book-entry bonds.
Article 9 Securities Card: The trading tool of the securities business system is a special magnetic stripe card, which is called the Dragon Card. After opening an account, customers can open securities business outlets (institutional customers must go to the securities account opening outlets) within the jurisdiction of the first-tier branch where the account opening outlets are located, and gradually open telephone banking, online banking and call centers to handle securities trading, inquiry, password modification and other related businesses.
Article 10 Securities account: an account opened by China Construction Bank for customers' real names, which is used to accurately record the types, names, quantities, corresponding rights and interests of securities held by customers and their changes. Securities accounts include China Construction Bank's securities account, China Construction Bank's capital account, China Securities Depository and Clearing Co., Ltd. (hereinafter referred to as "China Securities Clearing Company")' s bond secondary custody account, Huaxia Fund account and securities accounts opened on behalf of other registration agencies.
(1) CCB fund account: used to query the customer fund account registered by CCB.
(2) CCB securities account: used to inquire about customer securities accounts issued and registered by CCB.
(3) Secondary custody account of bonds of the Central Clearing Company: used to account for the customer bond accounts that are uniformly issued by the Central Clearing Company and are under primary custody.
(4) Accounts of other registration institutions: used to account for accounts registered by other registration institutions and only traded in the securities business system of CCB or under secondary custody.
Article 11 Securities fund account: An account opened by China Construction Bank for customers' real names, which is used to accurately record the changes of customers' funds.
Article 12 Opening an account: A customer opens a securities account and a securities fund account in the securities business system of China Construction Bank.
Article 13 Account cancellation: the cancellation of the customer's securities capital account and all securities accounts.
Article 14 Manual transfer: The customer handles the transfer business between the transfer contract deposit account of China Construction Bank and the securities fund account under the specified name.
Article 15 One-way automatic transfer: When a customer handles securities entrustment, when the balance of the securities fund account is insufficient, the securities business system of CCB will automatically transfer the insufficient funds from the corresponding customer's own name transfer signing deposit account to the customer's securities fund account.
Article 16 Book-entry bonds: * * bonds, policy bank financial bonds, commercial bank financial bonds, etc. With the approval of the People's Bank of China, it is sold and traded at the counter of commercial banks, and its creditor's rights are registered by book entry.
Article 17 Non-trading business: inquiry, freezing, deduction, non-trading transfer, trading in and out, transfer custody, etc. Customer's securities account and securities fund account.
Article 18 Dividend reinvestment: For open-end funds, customers convert dividend cash into fund shares of the same fund.
Article 19 Transfer-out and Transfer-in: Customers change the entrustment channels between different tier-one branches within the CCB system.
Article 20 Transfer of bonds to custody: When a customer opens a secondary custody account of bonds of the Central Clearing Company in the securities business system of China Construction Bank, he shall go through the transfer-out and transfer-in procedures between different custody institutions (including other secondary custody banks and primary and secondary custody accounts of the Central Clearing Company).
Article 21 Fund transfer to custody: Customers will handle the transfer-in and transfer-out procedures of fund shares between different sales organizations in the same fund custody account.
Chapter III Opening an Account
Article 22 A customer must apply for opening an account with his real name and fill in the application form for opening an account. When an individual customer applies for opening an account, he/she must show his/her legal ID card and a copy, as well as the China Construction Bank 19 savings card in his/her name. Institutional customers must produce valid legal person certification documents (legal person business license and original, enterprise code certificate, certificate of legal representative or board of directors, power of attorney, etc.). ) and the legal identity certificate and copy of the authorized person.
Article 23 The valid certificates and other materials provided by the customer when applying for opening an account must be true, legal and effective, and all consequences caused by inconsistent and untrue materials shall be borne by the customer.
Article 24 After the customer's application is approved by China Construction Bank, China Construction Bank can apply for a securities card and open a securities account and a securities fund account.
Article 25 In the securities business system of China Construction Bank, each customer can only open a unique securities account of China Construction Bank, a capital account of China Construction Bank, a secondary bond custody account of the Central Clearing Company and other securities accounts for each registered institution, and it is only used by the customer (institution).
Article 26 When opening a securities account, a customer needs to make an agreement with China Construction Bank on the transfer between the securities capital account and the deposit account opened in the same branch.
Article 27 Transfer is divided into manual transfer and one-way automatic transfer, which customers can choose at will. When the customer needs to transfer the funds in the securities fund account back to its corresponding contracted deposit account, the customer needs to handle it by himself.
Article 28 When a customer opens an account, there shall be no less than the specified amount of funds in the signed deposit account.
Twenty-ninth customers should set the password of Longka Securities Card when opening an account. All transactions using the card number and password are regarded as the cardholder's own behavior; According to the card number and password, the electronic information generated by the stock exchange is recorded as a valid voucher for this transaction. The customer has the responsibility to keep the password confidential and bear all economic and legal consequences caused by password disclosure.
Article 30 When a customer opens an account, he entrusts China Construction Bank to manage securities materials and handle entrusted transactions, settlement and delivery of securities.
Article 31 Interest shall be calculated and paid for the funds in the customer's securities capital account according to the deposit interest rate and calculation method stipulated by the People's Bank of China.
Chapter IV Securities Trading
Article 32 Customers can handle the entrusted transaction, transaction confirmation, inquiry and cancellation of securities through the outlets where securities accounts are opened (institutional customers must go to the outlets where securities accounts are opened) and the gradually opened online banking, telephone banking and other trading channels.
Article 33 The number and holding ratio, single subscription amount and subscription multiple of a certain securities subscribed by a customer shall comply with the relevant provisions of the prospectus and issuance announcement of the subscribed securities.
Article 34 The principle of determining a securities transaction shall be handled in accordance with the prospectus and other issuance documents of the securities.
Article 35 The trading method of clients' securities is spot trading, and no short selling or short selling of securities is allowed.
Article 36 When China Construction Bank accepts a client's entrustment to buy and sell securities, the client must provide the quantity, price (except open-end funds and book-entry bonds) and the buying and selling direction. China Construction Bank does not accept full authorization.
Article 37 After the securities transaction is completed, the customer can go through the delivery formalities at the outlet with the "Securities Buying (Selling) Sheet" and print the "Securities Clearing Delivery Sheet" within the specified date. Maturity is regarded as the customer's automatic approval of the transaction results. If necessary, the customer can print a detailed list of historical transactions at the outlets.
Article 38 The securities subscription entrustment shall not be revoked. Other reporting customers who have submitted but not yet completed the transaction may apply for revocation of the entrustment. When the customer applies for canceling the order after submitting the entrustment, he shall provide the legal certificate, the securities card and the copy of the client's securities trading entrustment form, and fill in the "securities trading entrustment form". Customers can also cancel their orders through the gradually opened telephone banking and online banking systems.
Chapter V Distribution of Securities Rights and Interests and Payment of Bonds
Article 39 The distribution of securities rights and interests refers to the dividend, redemption and dividend distribution of securities invested by customers through the securities business system of China Construction Bank.
Article 40 After receiving the information on the distribution of securities rights and interests and the payment of bonds, CCB will release it to customers through outlets in time.
Article 41 The creditor's rights registered in date of record shall be the basis for bond dividends. Bond redemption and dividend funds are directly transferred to the customer's securities fund account by the Construction Bank.
Article 42 The deadline for transfer is the final registration date of rights and interests when bonds are paid, and the registration of rights and interests on this day is the basis for bonds to be paid at maturity.
Article 43 The dividend distribution of funds shall be handled with reference to the dividend distribution and redemption procedures of bonds.
Chapter VI Changing Cards
Article 44 When a customer's securities card needs to be replaced due to damage, deformation, disappearance of magnetic stripe information, etc. , customers need to hold a securities card and legal documents to apply for card replacement. Individual customers can handle securities business at the business outlets within the jurisdiction of the first-tier branch where the securities account opening outlets are located, and institutional customers need to handle it at the securities account opening business outlets.
Article 45 After a customer applies for card replacement, he can collect a new card at the outlet where he applies for card replacement according to the date specified by the local CCB. During the card replacement period, customers can still handle transactions through telephone banking and online banking, which are gradually opened.
Chapter VII Loss Reporting
Article 46 In principle, the loss reporting, cancellation and replacement of securities cards shall be handled by the customer himself, and valid certificates shall be issued; Password loss reporting and password change must be handled by the customer himself (institutional customers must be authorized by himself), and valid certificates must be issued.
Article 47 If a customer loses his securities card or forgets his password, he can report the loss orally to the branch providing securities business within the jurisdiction of the first-tier branch where the account opening branch is located.
Article 48 After the customer reports the loss orally, he/she must formally report the loss at the outlet within 5 working days. Institutional customers must go to the original opening branch of the securities account to go through the formal loss reporting procedures; If it is overdue, the account payment will automatically become invalid.
Article 49 After the customer officially reports the loss, it takes three working days to go through the formalities of reporting the loss and reissue the securities card.
Article 50 If the password of a securities card is forgotten, the customer may submit a written application to the card-issuing branch (institutional customers must open a securities account) with valid certificates and securities cards, and can report the loss and change the password one working day later. The customer can cancel the loss reporting after the loss reporting port or card.
Chapter VIII Account Cancellation
Article 51 When a customer cancels a securities account, it shall ensure that there is no balance, no interest, no loss reporting, no freezing, no unfinished transaction entrustment, etc. In his securities account and securities fund account.
Article 52 Individual customers can go through the formalities of account cancellation at the outlets providing securities business within the jurisdiction of the first-tier branch where the account opening outlets are located, and submit securities cards and legal identity documents; Institutional customers should go through the formalities of account cancellation at securities account opening outlets and submit securities cards and valid certificates.
Chapter IX Others
Article 53 When the name, identity document name and number of an individual customer are changed, the information shall be changed in a timely manner at the branch that offers securities business within the jurisdiction of the first-tier branch where the account opening branch is located; When the legal representative, institution certificate and number, authorized person and other relevant information of institutional investors change, they should go to the original account opening branch to change the information in time.
Article 54 China Construction Bank shall provide securities entrustment channels for individual customers, and conduct transfer-out and transfer-in business between different branches within the construction bank system. Move-out and move-in must be handled by the customer himself, and the part of the system that does not handle the customer's securities account moves out and moves in.
Fifty-fifth China Construction Bank provides securities entrusted custody services to customers, and the procedures for transferring custody must be handled by customers themselves.
Article 56 Customers handling securities-related business in China Construction Bank shall pay relevant taxes and fees in accordance with relevant regulations.
Chapter X Supplementary Provisions
Article 57 China Construction Bank shall not be liable for losses to customers caused by natural disasters, wars and other force majeure.
Article 58 The customer shall take full responsibility for its violation of national laws, regulations and the Articles of Association, and compensate the losses caused to CCB.
Article 59 The Articles of Association shall be revised with the adjustment of relevant national laws and regulations and relevant provisions of China Construction Bank.
Article 60 The amendment to the Articles of Association shall come into effect as soon as it is published, without further notice. The revised terms are also binding on customers. In case of dispute, it shall be handled according to relevant national laws and regulations.
Article 61 The Articles of Association shall be amended and interpreted by China Construction Bank.
Article 62 The Articles of Association shall come into force as of the date of promulgation. (Central regulations)