Can self employed individuals operate without opening a corporate account?

Self-employed individuals may not open a public account.

Legal basis] Individually-owned businesses.

Article 2 of the Regulations, citizens who have the ability to operate shall be approved by the administrative department for industry and commerce in accordance with the provisions of these Regulations.

Those registered and engaged in industrial and commercial operations are individual industrial and commercial households.

Sole proprietorship can be operated by individuals or families.

The lawful rights and interests of individual industrial and commercial households are protected by law and must not be infringed upon by any unit or individual.

Extended information: Self-employed is a common name for urban and rural individual industrial and commercial households, which is a laborer who does not exploit others and is self-reliant within the scope of China's law. It is characterized by the use of personal workers and their family members, and the use of their own means of production.

and capital independently engaged in production and business activities and providing goods and services to society, which is a useful supplement to the socialist public-owned economy. The State protects the legitimate rights and interests of self-employed individuals. The state administers the production and operation of self-employed individuals through administrative management.

On November 20, 2019, the National Bureau of Statistics announced the results of the fourth national economic census at the press conference of the State Council Information Office.

Up to 10,000. Go through the business license procedures for individual industrial and commercial households.

1. Application for commencement of business;

2. Approval form for the name of individual industrial and commercial households (the name of the business name can also be taken);

3. Proof of unemployed (including laid-off, unemployed, retiree, etc.);

4. ID card.

Photocopy (temporary residence permit is often provided for visitors from other places.)

a copy of the ID card);

5. One inch ** sheet;

6. Copy of rental agreement and property right certificate;

7. Approval opinions need to be provided for industries involving pre-approval;

8. Go to the local industrial and commercial department to collect the application for business registration**.

What is required for individual business registration.

Apply for the organization ** certificate.

Handling materials: 1. A copy of the business license of the individual industrial and commercial household.

2. A copy of the self-distribution certificate of the head of the individual industrial and commercial household.

Apply for the national tax registration certificate: handling information:

1. A copy of the business license of the individual industrial and commercial household.

2. A copy of the self-distribution certificate of the head of the individual industrial and commercial household.

3. Proof of business site.

4. A copy of the organization's ** certificate.

Handling of local tax registration certificate: Handling information:

1. A copy of the business license of the individual industrial and commercial household.

2. A copy of the self-distribution certificate of the head of the individual industrial and commercial household.

3. Proof of business site.

4. A copy of the organization's ** certificate.

Self-employed individuals can open a corporate account.

According to Article 11 of the Measures for the Administration of Renminbi Bank Settlement Accounts, a basic deposit account is a bank settlement account opened by a depositor for daily transfer settlement and cash receipt and payment. Sole proprietorships can also open a basic deposit account.

The name of the bank settlement account opened by the unit shall be consistent with the full name of the supporting document provided by the unit to apply for account opening. The name of the bank settlement account opened by an individually-owned industrial and commercial household with a business name shall be consistent with the name of its business license; The name of the bank settlement account opened by an individual industrial and commercial household without a business name shall be composed of the words "self-employed" and the name of the operator recorded in the business license. The name of the bank settlement account opened by a natural person shall be consistent with the full name in the valid identity document provided by the natural person.

Hello, the reason why self-employed individuals are reluctant to open a corporate account is because: first, it is very annoying to carry the public account, and first of all, you must go to the bank to provide all the information of the individual self-employed person to the bank.

Second, after the opening and closing of the corporate account, the corresponding handling fee and service fee shall be charged to the corporate account, and the corresponding tax shall be paid. Third, it is the corporate account, which has to be reconciled every month, and the bills are all in and out numbers, and reconciliation is a very troublesome and headache.

If you don't have invoicing needs, don't pay the Employee Social Security Provident Fund.

The partner is not required to go to the public, then self-employed.

There is no need to open a corporate account.

Self-employed entrepreneurs have always been strongly supported by the state, and there are tax exemption policies. Therefore, if you do not have the above requirements, you do not need to open a corporate account at all. First of all, to open a corporate account, you have to choose a bank.

Some banks are free of charge for corporate accounts, while some banks are required to pay management fees for opening corporate accounts. Unless you can meet the bank's turnover requirements, this fee is unavoidable. There is also the U shield of the public account.

It is also charged, although it is not much, but it can be saved completely. The second is the corporate account, which must be reconciled every month. Although you can operate it on the computer yourself, it is a trivial matter.

Therefore, in terms of cost and time, there is no need for self-employed individuals to open a corporate account.

However, there are several situations in which it is necessary to open a corporate account:

1. Your partner requires to go to the corporate account. For example, your payment and the other party's account. Because some enterprises are more formal, all companies must go to the right company. In this case, for the sake of business, it is definitely necessary to open a corporate account.

2. Social security provident fund payment. Self-employed individuals can also pay social security provident fund to their employees. If you want to pay social security provident fund to employees or yourself, then you must open a corporate account, because the cost of social security provident fund must be deducted from the corporate account.

Therefore, in this case, self-employed individuals need to open a corporate account.

3. There is a need for invoicing. If your customer or business partner wants you to issue an invoice after paying for it. If this demand is more, then you also need to open a corporate account.

Because it is very convenient to deduct money directly from the public account for invoicing, of course, you can also go directly to the tax office to pay. However, relatively speaking, it will be more convenient to deduct from the public account, if you don't want to open it yourself, then you can find an agency company to help you open it, but it is necessary to charge a certain fee. Therefore, if there is no need for invoicing, there is no need to open a corporate account at all.

In the above three cases, it is necessary to open a corporate account, but in addition, it is completely unnecessary to open a corporate account.

Hello? Most of the individual business bridge sellers are individuals, focusing on retail, while there are very few wholesale businesses facing enterprises and units, so individual industrial and commercial households usually do not need to open a corporate account. Once it is necessary to audit and collect the collection or buy social security for the poor town workers, it is necessary to open a public account.

The above is why self-employed individuals are reluctant to open corporate accounts. In the case of a self-employed person opening a corporate account, the partner specifies that the corporate account will be used: for example, remittance and the other party's income.

Because some companies are more reliable, all the company's turnover requires public accounts. At this time, in order to better cooperate, it is necessary to open a corporate account; 2. Social security provident fund payment: self-employed people can also pay social security provident fund to employees.

If the user wants to pay the social security provident fund to the employee, then he can open a corporate account, because the cost of the social security provident fund needs to be deducted from the public account; 3. There are invoicing requirements: once the customer or partner has paid the money, the invoice is required. If there are more people who make this request, then it is also necessary to open a corporate account.

Because it is very convenient to deduct the fee directly from the company's account for invoicing, of course, it is also possible to pay directly to the tax office. However, it is relatively convenient to deduct from the company's account. This article mainly writes about why self-employed individuals are reluctant to open corporate accounts, and the content is for reference only.

The reasons why self-employed individuals are reluctant to open a corporate account may be as follows: early dispersion 1Cumbersome formalities:

To open a corporate account, you need to submit a series of materials, including the business license, tax registration certificate, identity certificate, etc. Some self-employed individuals may find this process cumbersome and time-consuming. 2.

Economic pressure: Self-employed individuals are under greater economic pressure due to their relatively small size. There are many additional fees to open a corporate account, such as account maintenance fees, handling fees, minimum balance restrictions, etc.

This can be a big burden for some self-employed people who are in a difficult financial situation. 3.Tax Issues:

After opening a corporate account, self-employed individuals need to comply with stricter tax policies and regulations. This can increase the burden on the business, such as higher taxes and cashier costs. 4.

Unnecessary: For some self-employed individuals, it is not necessary to open a corporate account, they may only need a basic personal account, so that they can easily manage their daily financial income and expenditure. It should be noted that even if self-employed individuals do not open a corporate account, they still need to strictly abide by tax regulations and pay taxes in a timely manner to avoid adverse legal consequences.

At present, there is no provision that it must be opened, 1, if you can, try to open one, because in the future, billing information and collection, tax payment and other aspects are used, such as God is now the basic account is the record system non-approval system, the handling is very fast, the foundation of the slag is a loss to open an account can have an account, activation and use of the general 1-3 days, mainly depending on the speed of the bank;

2. If you are in a hurry to use the money temporarily, you can negotiate with the other party to see if you can use a personal card, preferably for the tax bureau for the record, so you can open one as much as possible, you can find a bank that is close to the distance, low cost, or easy to operate online banking.

There are several reasons why self-employed individuals are reluctant to open a corporate account:

1.Higher fees: There is a fee for opening a corporate account, as well as some fees for maintaining the account. For self-employed individuals, they may feel that these costs are relatively high and unaffordable.

2.Cumbersome management: The public account needs to carry out some financial management and tax declaration work, including bookkeeping, regular statements, etc. Self-employed individuals are usually small-scale operators and may feel that these tedious management tasks will take up more time and energy.

3.Bank requirements: To open a corporate account, you need to meet some requirements of the bank, such as providing relevant information, conducting credit evaluation, etc. For self-employed people, they may feel that these requirements are too strict and are unwilling to cooperate.

To sum up, the reluctance of self-employed individuals to open a corporate account is usually based on considerations such as economic costs, management burdens, bank requirements, and risk responsibilities. Each self-employed person may be different, so they have different preferences and decisions.