What is the difference between a basic account and a general account?

1. Differences in meaning.

The basic account is the host account for transfer settlement and cash receipt and payment, and the daily fund receipt and payment of business activities, as well as the withdrawal of wages, bonuses and cash can be handled through this account.

"General account" refers to the bank settlement account opened by the depositor in a bank business institution other than the bank where the basic deposit account is opened for borrowing or other settlement needs. This account can handle transfer settlement and cash deposit, but general deposit account cannot handle cash withdrawal.

2. Differences in account opening conditions.

The conditions for opening an account for a basic account are: the original business license of the enterprise legal person issued by the enterprise legal person; The original business license of the unincorporated enterprise is issued; Organs and public institutions that implement budget management shall issue an approval or registration certificate from the personnel department or the establishment committee and a certificate of approval from the financial department to open an account; Institutions that are not under budget management shall issue approval documents or registration certificates from the personnel department or the establishment committee.

General households need to provide documents, such as a loan contract or loan IOU; Proof that the depositor of the basic deposit account agrees to open an account with its subsidiary non-independent accounting unit; Original and copy of business license; Original and duplicate of the organization's ** certificate; National tax and local tax registration certificate; Account opening permit; Legal person ID card; ID card of the person in charge; The official seal of the unit, the seal of the legal person, and the special seal of finance; If you need to act on behalf of you, you need a power of attorney and a power of attorney from a legal person.

3. Set the difference in the number of pieces.

The basic account must be set up by each enterprise, and each enterprise can only set one. Opening a basic deposit account is a prerequisite for opening a settlement account with other banks. Every transaction that passes the basic account accounting should be recorded in detail.

The general account is that each business can open more than one bank according to its needs. The general deposit account cannot be used for cash withdrawal, but it can be used for cash deposit and transfer.

The difference between a basic bank account and a general account.

Basic account: The basic account is the host account for transfer settlement and cash receipt and payment, and the daily fund receipt and payment of business activities, as well as the withdrawal of wages, bonuses and cash can be handled through this account.

General account: refers to the bank settlement account opened by the depositor in a bank business institution other than the bank where the basic deposit account is opened for borrowing or other settlement needs. This account can be used for transfer settlement and cash deposit, but it is a general deposit account.

The basic account is generally the company's basic deposit account that is opened when the company is established, a company can only open a basic deposit account, and it is also the only deposit account that can deposit and withdraw cash.

The general account is a bank deposit account opened by the company specifically for transfer and remittance business, which can open multiple general accounts and cannot deposit or withdraw cash.

Data Development: Article 3 of the Measures for the Administration of Bank Accounts states that deposit accounts are divided into basic deposit accounts, general deposit accounts, temporary deposit accounts and special deposit accounts.

Article 11 The basic deposit account is a bank settlement account that the depositor needs to open for daily transfer and settlement and cash receipt and payment. The following depositors can apply to open a basic deposit account:

1. Enterprise legal person.

2. Unincorporated enterprises.

3. Institutions and institutions.

4. Armed forces at or above the regimental level, armed police forces and detachments (sub-units) on duty.

5. Social groups.

6. Private non-enterprise organizations.

7. Permanent institutions in other places, etc.

A general deposit account is a bank settlement account opened by a depositor in a bank business institution other than the bank where the basic deposit account is opened for the purpose of borrowing money or other settlement needs.

A special deposit account is a bank settlement account opened by a depositor for special management and use of funds for a specific purpose in accordance with laws, administrative regulations, and rules. For the management and use of the following funds, depositors can apply to open a special deposit account:

1) Capital construction funds.

2) Renovation funds.

3) Extra-budgetary funds.

4) Funds for the purchase of grain, cotton and oil.

5) ** Transaction settlement funds.

6) ** Transaction Margin.

7) Trust**.

8) Financial institutions deposit interbank funds.

9) Policy-based real estate development funds.

10) Reserve fund for corporate bank cards.

xi) Housing**.

12) Social Security**.

13) Funds for remittance of income and funds for operating expenditures.

14) Funds for the organizational structure of the Party, Youth League, and Trade Union in the unit.

15) Other funds that need to be managed and used on a special basis.

Answer: Hello, there is a difference between a general account and a temporary account number. According to the document No. 66 issued by the State Council in 2009 "Interim Measures for the Transfer and Continuation of the Basic Pension Relationship of Urban Enterprise Employees", there are two types of basic pension insurance accounts for urban employees, one is the general payment account (referred to as the general account) and the other is the temporary payment account (referred to as the temporary account).

1.General Payment Account:

The social security accounts established by those who are insured in their place of residence, or who are insured in their own non-place of residence, but whose age is under 50 years old and 40 years old when they first participate in insurance in the region, are general payment accounts.

2.Temporary Payment Account.

The social security accounts established by the male comrades who have reached the age of 50 and the female comrades who have reached the age of 40 when they first participate in the insurance are all temporary payment accounts.

The social security accounts established by the male comrades who have reached the age of 50 and the female comrades who have reached the age of 40 when they first participate in the insurance are all temporary payment accounts.

What is the difference between a basic account and a general account? Pay attention to these points! , Welcome to follow, like, next wonderful content recommendation, business handling, please send a private message or** What is the difference between a basic account and a general account for company account opening?

1.The basic account can deposit cash or withdraw cash, the general account can only be converted and deposited cash, can not withdraw cash, if the general account wants to withdraw cash, can only be withdrawn by turning into a regular deposit into other corporate bank accounts; 2.A company can only handle a basic account in one bank, while a general account can handle more than one, without restriction The purpose of the bank account is classified, and there are four types of bank accounts that enterprises can open a bank account

Temporary deposit account: As the name suggests, it has a clear validity period and is mainly used for the settlement of temporary business activities of the enterprise The second type: the basic deposit account, which is what we usually call the basic account of the enterprise, mainly uses the usual transfer, settlement and cash receipt and payment of the enterprise The third type:

The special deposit account, the role is to transfer money, the company to open this account, need to provide the approval or certificate of the relevant departments Fourth: general deposit account, also known as the general account of the enterprise, some settlements of the enterprise need to go through the general account, such as the basic account of the unexpected bank has a loan, or in order to obtain special services of the bank other than the basic account (fast settlement, wide range of business, avoid the risk of the same bank, etc.) The company needs to pay attention to the opening of an account is 1An enterprise can only have one basic account, and only on the basis of opening a basic account can it open multiple general accounts (similar to the relationship between the main card and the supplementary card of the ** card), and relevant basis and documents need to be provided when opening; Through each accounting business of the basic account, the enterprise must record in detail; 2.

Among the above four types of bank accounts, only general accounts are not allowed to handle cash withdrawal business. In practice, if an enterprise really needs to spend cash from the general account, it can fill out a transfer check and transfer it to the individual account, and then withdraw cash through the individual account. Whether the special deposit account can withdraw cash depends on the situation What is the difference between the basic account and the general account opened by the company?

In fact, it is convenient to check the accounts, if each has the function of withdrawing cash, then it is not good to query the account books of the enterprise, what is the purpose of taking cash, only the basic account can withdraw cash, you can better track the cash used in **, the basic account is the host account for transfer settlement and cash receipt and payment, and the daily receipt and payment of funds for business activities and wages, bonuses and cash withdrawals can be handled through the account.

1. The number of accounts is limited.

Only one basic deposit account can be opened with a bank; There is no limit to the number of regular deposit accounts that can be opened.

2. The opening stage is different.

Opening a basic deposit account is a prerequisite for opening a settlement account with other banks. That is, only the basic account can be opened first, and then the general account can be opened.

3. The purpose of the account is different.

The basic bank account can be used for the receipt and payment of funds, as well as the withdrawal of depositors' salaries, bonuses and cash; The general deposit account is used to handle the depositor's loan transfer, loan repayment and other settlement fund receipt and payment. Cash deposits are allowed, but cash withdrawals are not allowed.

4. The audit institutions are different.

If the basic account is opened, it shall be reviewed and signed by the handling bank and submitted to the local branch of the People's Bank of China; The People's Bank of China shall conduct examination and approval in accordance with relevant regulations. The filing system is implemented for the opening of general deposit accounts, and the approval of the People's Bank of China is not required.

Hello 1An enterprise can only open a basic account with one bank. An enterprise can handle multiple general accounts and temporary accounts.

2.The basic account can deposit cash and withdraw cash, while the general account can only transfer and deposit cash, but cannot withdraw cash. If you want to withdraw cash, you can only withdraw cash by transferring it to other corporate bank accounts.

The bank's corporate account is divided into: basic account (first-level account), general account (second-level account), temporary account, special account, etc., and the difference between basic account (hereinafter referred to as first-level account) and general account (hereinafter referred to as second-level account) is as follows:

1. First-level account: The basic account opened by the enterprise in the bank can only be opened once, and it is the only one that can be sold in the wild, which is the bank settlement account that the depositor needs to open for daily transfer settlement and cash receipt and payment. An enterprise or institution can only open a basic deposit account in one bank, which is used for the enterprise to withdraw cash and pay salaries, and it is also the main purpose for the tax authorities to verify the operating income of the enterprise.

2. Secondary account: The general deposit account can be opened in multiple banks, which is a bank settlement account opened by the depositor in a bank business training institution other than the bank where the basic deposit account is opened due to borrowing or other settlement needs. For the daily operation payment of the enterprise, bank financing, etc., the account can be used for transfer settlement and cash deposit, but not for cash withdrawal.

There is no limit to the number of accounts that can be opened.

1. What are the conditions for the registration of a basic account in a branch?

The requirement for a branch office to open a basic account requires the consent of the head office. After taking the spine, you can apply to the bank with the power of attorney of the head office, business license, identity information of the person in charge and other relevant materials. The basic deposit account is the main account for transfer settlement and cash receipt and payment, and the daily fund receipt and payment of business activities, as well as the withdrawal of salaries, bonuses and cash can be handled through this account.

2. What do some people mean by opening a public account?

The company's public account refers to the company's basic deposit account, that is, the master account. Corporate account: The bank settlement account opened by the depositor in the name of the unit is the unit bank settlement account.

Depositors of corporate bank settlement accounts can only open one basic deposit account with the bank. The basic deposit account is the depositor's host account. The receipt and payment of funds for the depositor's daily business activities and the withdrawal of wages, bonuses and cash shall be handled through this account.

The difference between a basic bank account and a general account.

1.It depends on the number of accounts opened. Only one basic account can be opened in a bank, but more than one general account can be opened;

2.In terms of function, the functions of the basic account are very complete, and any business can be handled, while the general account cannot withdraw cash, but can only transfer and balance.

Therefore, there is an essential difference between the two, and everyone must not be confused.

What are the basic and general accounts of the bank?

The basic bank account refers to the account of all the daily business of the enterprise, which contains a relatively comprehensive amount, such as the salary of the enterprise, as well as the cash expenditure of the enterprise's funds, which can only be handled through the basic deposit account, and the general account can not be handled, and another enterprise can only open a basic deposit account.

A general account is a general deposit account that handles business transactions in an account other than the basic account for the purpose of borrowing or other settlement. The general account can handle more than one under the premise that there must be a basic account, and the general account can only handle multiple accounts, but can only handle transfer settlement and deposit business, and cannot handle cash withdrawal.

The state requires that enterprises can only handle one basic account, in order to better confirm the financial status of the enterprise, because ordinary accounts are not allowed to withdraw cash, and basic accounts and general accounts have become the main bank accounts for accounting transactions of enterprises.

According to China's Measures for the Administration of Bank Accounts, bank accounts are generally divided into basic deposit accounts, general deposit accounts, temporary deposit accounts and special deposit accounts.

1. Basic Deposit Account. It is an account for depositors to handle daily transfer settlement and cash receipt and payment. The expenditure of cash such as wages and funds of the enterprise can only be handled through the basic deposit account.

An enterprise can only open one basic deposit account, and the account opening must have an account opening permit issued by the local branch of the People's Bank of China.

2. General Deposit Account.

The account is an account opened by a subsidiary non-independent accounting unit that is not in the same place as the depositor of the basic deposit account and the bank loan transfer other than the basic deposit account.

This account can be used for transfer settlement and cash deposit, but not cash withdrawal.

3. Temporary deposit account.

This account is an account that needs to be opened by the enterprise for temporary business activities. Enterprises can handle transfer settlement, cash receipt and payment through this account.

4. Special deposit account.

This account is an account that can be opened by the depositor to ICBC by issuing the corresponding certificate to ICBC for a specific purpose.

Purpose-built funds mainly consist of the following three components:

1. Capital construction funds.

2. Renovation funds.

3. Funds that need to be managed in a special account for specific purposes.

At the same time, according to China's "Measures for the Administration of Bank Accounts" and "Provisions on Penalties for Violations of the Bank Settlement System", there are also severe penalties for enterprises violating account management

1. If an enterprise leases or transfers its account, in addition to ordering correction, it shall impose a fine of 5% of the amount incurred but not less than 1,000 yuan according to the regulations, and confiscate the illegal gains of the rental account.

2. If an enterprise opens a basic deposit account in violation of the regulations, it shall be ordered to cancel the account within a time limit and shall be fined 5,000 yuan to 10,000 yuan.

In short, the basic deposit account of the bank generally refers to the account with the "opening bank and account number" printed on the contract seal of the enterprise, and this account can only be opened by one enterprise and must be approved by the People's Bank of China; The other three accounts are easier to open, and businesses can have multiple accounts in different banks.