1. The company’s internal fund classification management needs.

A slightly larger company has more types and uses of funds in and out.

For example, projects, taxation, wages, investments, etc., companies with standardized financial management will put different funds into special management to facilitate supervision and accounting.

2. Applicable to fund settlement of company branches.

Group companies and chain companies have relatively scattered branches, but only one basic account can be opened. The daily income and expenditure of funds of the branches has become a problem.

Therefore, due to the needs of fund settlement and management, the only choice is to open a general account at the local bank of the branch.

3. There are no restrictions on general accounts.

According to the account management regulations of the People's Bank of China, a legal entity (including companies, etc.) can only open one basic account, that is, the basic account is unique. There are no restrictive regulations for general accounts, which facilitates the supervision and management of the central bank and tax authorities.

Therefore, as long as you have a basic account, you cannot open it at any other bank. The online system will automatically detect the prompt.

4. It has a certain protective effect on account funds.

Since general accounts can only make deposits but not withdrawals, when making external transfers, they must first be transferred to the basic account and then transferred out from the basic account, so the risk of illegal outflows of funds can be well avoided.

Extended information: The company's public accounts are divided into four categories: basic accounts, general accounts, temporary accounts and special accounts.

Basic accounts and temporary accounts can deposit and withdraw cash, while general accounts can only transfer and deposit cash, but cannot withdraw cash.

General accounts who want to withdraw cash can only withdraw cash by transferring funds to other corporate bank accounts.

An enterprise must first register a basic account before it can register a general account. An enterprise can only open a basic account at one bank, while an enterprise can open multiple general accounts and temporary accounts.

The temporary account of the bank is an account opened to meet the needs of temporary business. When the business is completed, the temporary account must be canceled and the remaining funds will be transferred to other bank accounts of the company. Generally, if an account wants to withdraw cash, it can only be done by transferring money to another company's bank account.

Withdraw cash.

A company opens a special account to manage and use its funds for specific purposes, such as capital construction funds, futures trading settlement funds, etc.

A temporary bank account is a bank account opened by a company to meet temporary needs.

For example, funds temporarily remitted for capital verification or funds remitted to the local bank for out-of-town purchases, etc.