What Deposit Accounts Can Be Opened In Banks?
According to the measures for the management of bank accounts
Regulations
The bank account is divided into basic deposit account, general deposit account, temporary deposit account and special deposit account.
The basic deposit account is the depositor's daily pfer.
Settlement
Accounts receipts with cash.
Cash payments such as wages and bonuses of depositors can only be handled through this account.
The following depositors may apply for opening a basic deposit account: an enterprise legal person; a separate accounting unit within a legal person; a financial department that manages budgetary funds and extra budgetary funds; and an administrative organ that implements financial management.
Cause
Units; military units and armed police units at the county level; foreign institutions stationed in China; social organizations; canteens, guest houses, kindergartens attached to units; foreign permanent institutions; private enterprises, individual economic households, contractors and individuals.
The depositor shall apply for the opening of a basic deposit account by one of the following documents: the business license or business license issued by the local administrative authority for Industry and commerce; the approval of the central or local establishment committee, personnel and civil affairs departments; the certificate of opening accounts of the accounting department of the armed forces or the Armed Police Corps; the approval document of the permanent establishment of the relevant departments of the resident department; the contract agreement signed by both parties; the personal identity card and the household register.
The account opening procedure is: filling out the application for opening an account, providing the documents specified in these measures, and sending it to the seal card with the seal of the depositor, which is approved by the bank and opened with the opening permit issued by the local branch of the people's Bank of China.
A general deposit account is an account opened by a depositor who pfers the bank loan outside the basic deposit account and the subsidiary non independent accounting unit not at the same place as the depositor of the basic deposit account.
Depositors can use this account to handle pfer settlement and cash payment, but they can not pay cash.
Units and individuals who obtain loans from banks other than the basic deposit account may apply for the opening of general deposit accounts. They must issue loan contracts or loan borrowings to the opening bank, and open general deposit accounts with the depositors of the basic deposit accounts not attached to the subsidiary non independent accounting units at the same place, and must prove to the depositors bank that the depositors of the basic deposit account agree to open accounts.
A temporary deposit account is an account opened by a depositor for temporary business activities.
Depositors can use this account to handle pfer accounts and cash receipts and payments according to the provisions of the state's cash management.
When applying for temporary deposit account, a temporary institution in the foreign country shall issue a temporary license issued by the local administrative department for Industry and commerce or issue a written approval from the local authorities concerned to establish an interim temporary institution.
A special deposit account is an account opened by a depositor for specific purposes.
Funds for specific purposes include capital construction funds, renovation funds, funds for other specific purposes and special account management.
When depositors apply for an opening, they shall issue the documents approved by the relevant departments for approval or the relevant documents of the state.
According to the twenty-first provision of the "bank account management measures", the depositor applies for opening general deposit accounts, temporary deposit accounts and special deposit accounts, shall fill in the application for opening accounts, provide the supporting documents required by these measures, and send them to the seal plates containing the seals of the depositors, and open accounts after examination and approval by the banks.
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