How Much Is The Basic Regulation Of Bank Account Management?

Organs, groups, troops, enterprises, public institutions, individual economic households and individuals (hereinafter referred to as depositors) and bank and non bank financial institutions (hereinafter referred to as banks) who open renminbi deposit accounts in China must comply with the provisions of the accounts management regulations.

The opening, use and management of foreign exchange deposit accounts, according to the state

The administration regulations on foreign exchange accounts are issued.

Depositors should have sufficient funds in their accounts to ensure payment.

A depositor opens a basic deposit account in a bank and implements a permit system for issuing an account by a local branch of the people's Bank of China.

Banks must declare to the branches of the people's Bank of China whether they open or cancel accounts for depositors.

A depositor may not open a basic deposit account in a number of banking institutions in violation of the regulations.

Depositors may not open general deposit accounts in several branches of the same bank.

The depositor's account can only handle the business activities of the depositor himself, and shall not rent or pfer the account.

The following depositors may apply for opening a basic deposit account:

I. corporate legal person;

Two. A separate accounting unit within an enterprise legal person;

Three, the financial department that manages budgetary funds and extra budgetary funds;

Four, the implementation of budget management of administrative organs and institutions;

Five, county level (including) above the armed forces and armed police units;

Six. Foreign institutions in China;

Seven, social organizations;

Eight. The canteen, guest house and kindergarten attached to the unit.

Nine. Permanent institutions in the field;

Ten, private enterprises,

Contractors and individuals.

A depositor who applies for opening a basic deposit account shall issue one of the following documents to the Bank of deposit:

1. The original of the enterprise legal person license or business license issued by the local industrial and commercial administrative organ.

Two, the central or local commission, personnel, civil affairs and other departments approval;

Three. The certificate of opening accounts of the financial departments of the armed forces and the Armed Police Corps.

Four. The unit's proof of the opening of the agreement by the subsidiary organization.

Five, the authorized offices of the resident authorities have written approval to the standing offices abroad.

Six. Contract agreement signed by both parties.

Seven, personal identity card and residence booklet.

A depositor who applies for opening a basic deposit account shall fill in an application for opening an account. The certificate mentioned above shall be sent 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.

If a depositor who meets third, fourth, fifth requirements has already opened a basic deposit account in a bank, he may open another basic deposit account in accordance with the nature of his funds and the need for management.

A depositor shall not pfer the basic deposit account due to the strict enforcement of the system and enforcement of discipline by the bank.

The depositor pfers the basic reason for the preceding paragraph.

The people's Bank of China shall not issue a permit to open an account for it.

The opening bank is responsible for the examination of the accounts opened or cancelled according to the provisions of the present measures, correctly handling accounts opening and closing accounts, establishing and perfecting the registration system for the expense households, establishing account management archives, and checking accounts with depositors regularly.

The cancellation of the basic deposit account by the opening bank, the opening or cancellation of the general deposit account, the temporary deposit account, and the special deposit account shall be reported to the local branches of the people's Bank of China within 7 days from the date of opening or cancellation.