Basic account is an account for depositors to handle daily transfer settlement and cash receipt and payment. Cash withdrawal of depositors' wages, bonuses and other cash can only be handled through this account. The following depositors can apply for opening a basic account.
1. Enterprise legal person;
2. Independent accounting units within an enterprise as a legal person;
Three, the management of the financial sector budget funds and extrabudgetary funds;
Four, the implementation of financial budget management of administrative organs and institutions;
Five, at or above the county level (including) the army and the armed police force;
6. Foreign institutions in China;
Seven, social groups;
Eight, canteens, guest houses and kindergartens affiliated to the unit;
Nine, permanent institutions in the field;
Ten, private enterprises, individual economic households, contractors and individuals.
When applying for opening a basic account, a depositor shall issue one of the following documents to the bank where the deposit is made:
1. The original business license or business license of an enterprise as a legal person issued by the administrative department for industry and commerce;
Two, the central or local organization committee, personnel, civil affairs and other departments of approval;
3. The account opening certificate of the financial department of the unit above the Armed Police Corps;
Four, the unit agreed to open an account for affiliated institutions and bear the economic responsibility of affiliated institutions;
Five, the establishment of permanent institutions in the field of permanent organs and departments of approval;
Six, the contracting agreement signed by both parties;
Seven, personal identity card and residence booklet.
A general deposit account is an account opened by a depositor in a bank loan transfer outside basic deposit account. It is a subsidiary non-independent accounting unit that is not in the same place as a depositor in basic account, or an account opened according to its fund management needs. Depositors can handle transfer settlement and cash deposit through this account, but they cannot handle cash withdrawal.
Depositors may apply for opening a general deposit account under the following circumstances:
1. Obtain loans from banks outside basic account;
2. Affiliated non-independent accounting units in different places with depositors in basic account;
Third, according to the needs of fund management.
To apply for opening a general deposit account, depositors must provide the business license or the original business license for opening an enterprise as a legal person in basic account issued by the municipal administrative department for industry and commerce and the account management card of the People's Bank of China City Branch, and issue one of the following documents to the opening bank:
1. loan contract or loan receipt;
Two, basic account depositors agree to open an account in the non independent accounting unit;
3. Certificates issued according to the needs of fund management.
Temporary deposit account is an account opened for temporary business activities.
Depositors can handle transfer settlement and cash receipt and payment through this account according to the national cash management regulations.
Depositors may apply for opening a temporary deposit account under the following circumstances:
I. Provisional institutions in the field;
Second, the need for temporary business activities;
3. Money remitted by remittance or money order.
A depositor applying for opening a temporary deposit account shall submit one of the following documents to the bank:
Temporary license issued by the administrative department for industry and commerce;
Two, the competent department approved the establishment of temporary institutions;
3. Remittances or drafts to be remitted.
A special deposit account is an account that depositors need to open for a specific purpose.
The following fund depositors may apply for opening a special deposit account:
First, capital construction funds;
The second is the transformation funds;
Three, specific purposes, the need for special account management funds.
To apply for opening a special deposit account, a depositor must provide the business license or the original business license for opening an enterprise as a legal person in basic account issued by the municipal administrative department for industry and commerce and the account management card of the People's Bank of China City Branch, and issue one of the following documents to the opening bank:
Documents approved by the competent department;
Second, the provisions of relevant state documents.
A depositor can only open a basic account in a bank. ...& gt& gt
Question 2: What does a special account mean? A special deposit account is an account that depositors need to open for a specific purpose.
The following fund depositors may apply for opening a special deposit account:
First, capital construction funds;
The second is the transformation funds;
Three. extrabudgetary funds
Four, grain, cotton, oil purchase funds
Verb (abbreviation of verb) Securities transaction settlement fund
Intransitive verb futures trading margin
Seven. trust fund
Eight, financial institutions to deposit interbank funds
Nine, real estate open-end fund policy
Ten, the unit bank card loan
XI。 Housing construction fund
Twelve. Social insurance fund
XIII. Income remittance funds and business expenditure funds
Fourteen, the party, the league and the trade union organization funds.
Fifteen, other funds that need special management and use.
To apply for opening a special deposit account, a depositor must provide the business license or the original business license for opening an enterprise as a legal person in basic account issued by the municipal administrative department for industry and commerce and the account management card of the People's Bank of China City Branch, and issue one of the following documents to the opening bank:
Documents approved by the competent department;
Second, the provisions of relevant state documents.
Question 3: What does the bank account name mean?
Question 4: Excuse me, what does bank account mean? From 20 16, 1, personal bank accounts include personal bank settlement accounts and personal savings accounts. Personal bank settlement accounts are divided into 1 bank accounts, type 2 bank accounts and type 3 bank accounts. 1 Bank accounts provide depositors with services such as deposit, purchase of financial products such as investment and wealth management products, transfer, consumer payment and cash withdrawal. 1 bank accounts are full-featured bank settlement accounts, and the media of 1 bank accounts include debit cards, current passbooks and quasi-credit cards, excluding credit cards. Hope to help you, hope to adopt!
Question 5: What does the bank mean by corporate account? You don't have to apply for a new card. You need to bring your individual business license and tax registration certificate and go to the bank to apply for a business card.
Question 6: What is a special loan account for loan settlement? When it is frozen, it cannot be used for other purposes.
Question 7: What do you mean by the nature of the bank account? Settlement accounts are divided into basic deposit account, general accounts, temporary accounts and special users. This is the nature of the company's settlement account.
If it is a bank's own household, it may be divided into internal households and external households; Nuclear and non-nuclear households; On-balance-sheet households, off-balance-sheet households and so on.
In fact, the nature of the so-called account mostly refers to its classification, and the nature of the most should be the nature of funds.
Question 8: What does it mean for public bank accounts? "Company account" is the account of a company (unit), and "private account" is the account of an individual. When the employee pays his salary in the bank, he transfers the money from the "company account" to the "private account".
Question 9: What is a bank account? 1. What is a bank account? What kinds of bank accounts are there? There is a prerequisite for settlement by bank transfer, that is, you must open an account in the bank. Bank account is an account opened by each unit in the bank for settlement and loan application. It is also a tool for the unit to entrust the bank to handle credit and transfer settlement and cash receipt and payment business. It has the function of supervising and reflecting the activities of various departments and units of the national economy. According to the Measures for the Administration of Bank Accounts, bank accounts are divided into basic deposit account, general deposit accounts, temporary deposit accounts and special deposit accounts, with different settings and account opening conditions. 2. What are the basic principles of bank account management? According to the Measures for the Administration of Bank Accounts, the management of bank accounts follows the following basic principles: (1) One basic account principle. That is, depositors can only open a basic deposit account in one bank, and cannot open a basic deposit account in multiple locations. When a depositor opens a basic deposit account in a bank, the local branch of the People's Bank of China will issue an account opening permit system. (2) The principle of voluntary choice. That is, depositors can choose their own bank accounts, and banks can also choose depositors to open accounts voluntarily. No unit or individual may forcibly interfere with depositors and banks in opening or using accounts. (3) The principle of deposit confidentiality. In other words, banks must keep depositors confidential according to law and maintain the independent control of depositors' funds. Except for matters regulated by the head office of the People's Bank of China authorized by national laws and the State Council, banks shall not inquire, freeze or deduct deposits in depositors' accounts in the name of any unit or individual. 3. How to set up basic deposit account? Basic deposit account refers to the account where depositors handle daily transfer settlement and cash receipt and payment. The cash withdrawal of the depositor's salary, bonus, etc. can only be handled through this account. (1) basic deposit account's party qualification conditions. According to the provisions of the Measures for the Administration of Bank Accounts, the following depositors can apply to open a basic deposit account: ① an enterprise legal person; (2) Units that are accounted for separately within an enterprise as a legal person; (3) The financial department in charge of budgetary funds and extra-budgetary funds; (four) the administrative organs and institutions that implement financial management; ⑤ Army and Armed Police Force at or above the county level; ⑥ Foreign institutions in China; ⑦ Social groups; 8. Canteen, guest house and kindergarten attached to the unit; Pet-name ruby field permanent institutions; Attending private enterprises, individual economic households, contractors and individuals. (II) Documents Required for Opening basic deposit account When applying for opening a basic deposit account, a depositor shall present one of the following documents to the bank where the account is opened: ① Business License for Enterprise as a Legal Person or Business License issued by the local administrative department for industry and commerce; (2) the approval of the central or local organization establishment committee, personnel and civil affairs departments; (3) the account opening certificate of the financial department of the unit above the Armed Police Corps; (4) proof that the unit agrees to open an account in a subsidiary; (five) the competent department of the permanent office approved the establishment of a permanent office in the field; 6. The contract agreement signed by both parties; ⑦ Personal ID card and household register. (III) Procedures for Opening basic deposit account When applying for opening a basic deposit account, a depositor shall fill out an application form for opening an account and provide the required documents. With the approval of the bank and the account opening permit issued by the local branch of the People's Bank of China, you can open an account by sending a seal card with the depositor's seal. What needs special explanation is that the account name filled in the seal card must be consistent with the name of the unit, and at the same time, the official seal of the account opening unit, the person in charge of the unit or the person in charge of the financial institution and the cashier should be stamped. It is a legally binding payment basis agreed by the unit and the bank in advance. When the bank handles the settlement business for the company, it will check the authenticity of the payment voucher with the seal reserved by the account opening unit on the seal card. If the seal stamped on the payment voucher is inconsistent with the reserved seal, the bank may refuse to handle the payment business to ensure the safety of the account opening unit's funds. 4. How to open a general deposit account? A general deposit account refers to an account opened by a subsidiary non-independent accounting unit where the depositor borrows money from a bank outside basic deposit account and is not in the same place as the depositor in basic deposit account. Depositors can handle transfer settlement and cash deposit through this account, but they cannot handle cash withdrawal. (1) Conditions and required supporting documents for opening a general deposit account According to the Measures for the Administration of Bank Accounts, depositors can apply for opening a general deposit account under the following circumstances, and should provide corresponding supporting documents: ① Units and individuals who have obtained loans from banks outside basic deposit account can apply for opening an account and must apply to the opening bank ..... >>
Question 10: What is the bank of the account? It means which bank your account was opened in. For example, your bank card belongs to CCB, and the bank to which this account belongs is CCB.