Definition of trading account vs. bank account

A trading account is a financial instrument that is held on a short-term basis and is held for a short period of time with the intention of making a profit on the actual or expected spread of the purchase or sale at a later date** or with the intention of buying or selling.

positions, as well as positions held to hedge against risks in other items of the trading account. Corresponding ledger account.

in trading financial assets.

and assets that can be used for "planning to hold for a period of time without determining the investment purpose" in the financial assets account.

A bank account is a financial account between a financial institution and a bank customer, also known as an account (Hong Kong, Macau), account (Taiwan, Chinese mainland) or kouza (Taiwan, Japan).

A bank account can be a deposit account, a credit card account, or other type of account provided by a financial institution. Financial institutions notify customers of transactions between their bank accounts at a specific time in the form of bank statements. The balance of the account at a given time is the position of the customer in the financial institution.

Bank account is a general term for the deposit account, loan account, and current account opened by the customer in the bank. In China, according to regulations, all state organs, organizations, troops, schools, enterprises and institutions must open bank accounts. According to the different purposes, bank accounts can be divided into three categories: basic accounts, special accounts and auxiliary accounts.

A trading account is an accounting that shows the resources and use of each sector engaged in such a transaction, without indicating the direct relationship between the trading sectors, for a certain transaction or type of transaction. Trading accounts are basically fictitious or nominal accounts in the SNA system.

Bank accounts and trading accounts are a way of classifying bank assets in terms of supervision, mainly from a regulatory perspective, and the specific definition can be referred to the Basel II Capital Accord or the CBRC's documents on the capital adequacy ratio management of commercial banks, market risk management guidelines, etc., which have been elaborated in more detail. Here is just a brief explanation, which can generally be understood as: the trading account records the positions of financial instruments that can be freely traded for trading purposes or hedging purposes; A bank account records assets other than a trading account.

However, in terms of accounting treatment, according to the International Accounting Standards (IAS39) and the new accounting standards of the Ministry of Finance, the assets of banks are divided into four categories: held for trading purposes, pending**, held to maturity, loans and accounts receivable, which are inconsistent with the regulatory classification and cannot accurately correspond. In this regard, the CBRC has only made provisions in principle, requiring all commercial banks to formulate rules for classification.

Therefore, domestic commercial banks are not strict in the classification of bank accounts and transaction accounts.

A trading account is a virtual digital account number, and a bank account is a digital account number with a card or fold.

Bank account is a general term for the deposit account, loan account, and current account opened by customers in the bank, which can be divided into three categories according to different purposes, namely basic accounts, special accounts, and auxiliary accounts. Generally speaking, state organs, organizations, military units, schools, enterprises, and institutions must open bank accounts with banks.

The central bank issued the "Notice on Improving the Classified Management of Personal Bank Accounts", which has improved and upgraded many aspects such as personal bank accounts and mobile payments, and personal bank accounts are divided into bank settlement accounts. So, how to distinguish between bank account types?

How to distinguish between the three types of bank accounts?

As early as 2015, the central bank carried out a reform of personal bank accounts, dividing bank personal accounts into three types of accounts with different levels of authority. However, there are still many people who do not distinguish between the three types of accounts, and in simple terms, the three types of bank accounts are like three wallets with different amounts of funds and purposes.

This type of account has a full-featured account, which can be used for deposits, transfers, consumption payments, purchase of wealth management products, etc. The scope and amount of use are not limited, and the requirements for safety are high.

The class account is mainly a wealth management account, which is a bank card number starting with 62, and there is no physical card. This type of account can purchase wealth management products, and can also make a certain amount of consumption and payment, but cannot transfer or deposit.

The account can only be used for small consumption and payment, and other businesses are not allowed to be handled, and there is a limit of 2,000 yuan. This type of account is also a bank card number starting with 62, and there is also no physical card. In general, the characteristics of such accounts are high security requirements, large amount of funds, and suitable for large-amount payments; The characteristics of the class account are outstanding convenience, the amount of funds is relatively small, and it is suitable for small payment, and the class account is especially suitable for emerging payment methods such as mobile payment.

It is worth mentioning that the classified management of bank cards will realize the isolation of account risks and reduce risks. For example, the cardholder's salary card is a Type I account, and once the mobile phone is poisoned or lost, it is equivalent to the loss of the salary card. If the salary card is bound to an account, this kind of account is specially used to bind Alipay, with a limit of 2,000 yuan, in case of theft, the risk can also be controlled, reducing personal losses.

The trading account is the first account, it is set up in the registration and clearing institution, which can be used to trade financial assets such as bonds, bonds, etc., and will also record the changes in the type, name and quantity.

<> capital account is a settlement account that proves that you log in to the capital of the ** trading account, after you open an account with the ** company, you have the ** capital in the account, you should only open a capital account and deposit capital, you have the conditions for trading. The funds for ordinary transactions are generally placed in the bank account first, and investors can undertake the transfer of funds through this account. Funding Account:

Financial deposits deposited in ** banks are the assets of commercial banks and are also enterprises"Bank deposits"。

The account is the central bank: borrowing. xx Bank Reserve Loan.

Bank xx allocated to financial savings enterprises: borrow: financial savings and loans deposited in **bank, money deposited in **bank ps:

The business pays the money to the bank, without a cash account, but by"Money deposited into the bank: straight, (except in the present) trading account. As the implementation date of the new Basel approach approaches, advanced international banks have begun to assess the consistency of their trading account management with the relevant provisions of the new Basel Agreement.

Commercial banks in China will need to draw on the relevant provisions of the New Capital Agreement in part to determine their own trading account management policies and procedures. * In the actual management and operation of the bank, the division of trading accounts must be based on specific accounting standards and account settings, but due to the different standards for the division of trading accounts and the accounting standards for achieving objectives, there are inevitable differences between them, and it can be seen that such differences will exist for a long time.

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The trading account is the ** account, which can be used to trade**, can also be used to trade some bonds, can be used to trade ** and other financial assets, and then it is also a valid proof of legal documents. The usual fund account is the settlement account, which can realize the transfer and deposit of funds.

The trading account refers to the ** account, and the capital account refers to the bank account, the use is different, the way of use is different, the safety factor is different, and the amount is not the same.

The main differences are the difference in account function, the difference in transaction methods, the difference in fund storage, the difference in cost performance, and the difference in structure. Personally, I'm still more used to using a trading account.

The purpose of the trading account and the fund account is different, the trading account is often used for some ** transactions, while the fund account is used to store the transferred funds.

1. Bank account name: the name used by the company or individual when opening a bank account, which is simply the full name of your company.

2. The name of the bank branch (full name), such as: Bank of China Guangdong Branch Garden Hotel Branch. Similar to this format, 3. The name of the bank account depends on whether your own company name has an English name, which is generally set in the articles of association, and if it is a foreign-funded enterprise, there will be a standard name in the foreign investment approval certificate. It is recommended to remind the bank to set up an English name for you when opening an account for your convenience.

Trading Account: means a financial instrument that includes a financial instrument that is engaged in proprietary and short-term holding with the aim of profiting from the actual or expected spread of the purchase or sale at a later date** or with the intention of buying or selling.

positions, as well as positions held to hedge against risks in other items of the trading account. Corresponding ledger account.

in trading financial assets.

and assets that can be used for "planning to hold for a period of time without determining the investment purpose" in the financial assets account.

Bank account: refers to the general term of the deposit account, loan account and current account opened by the customer in the bank. In China, according to the regulations, all state organs, groups, troops, schools, enterprises and institutions.

All must open an account with a bank. Depending on the purpose, bank accounts can be divided into basic accounts.

There are three types of special accounts and auxiliary accounts.

Non-trading accounts are relative to trading accounts;

1. Trading account refers to the account opened by the registration and clearing registration institution for investors, which records the balance of the fund share held by it and managed by the institution manager and its changes; Trading accounts include ** trading account, ** trading account;

2. Non-trading accounts are:

1) Basic deposit account: the receipt and payment of funds for the depositor's daily business activities, as well as the withdrawal of the depositor's salary, bonus and cash.

2) General deposit account: handle the transfer of depositors' loans, repayment of loans and other settlement of fund receipt and payment; This account can be used for cash deposits, but not cash withdrawals.

3) Dedicated Deposit Account: aThe funds in the corporate bank card account must be transferred and deposited by the basic deposit account, and the account shall not handle cash receipt and payment business b

Extra-budgetary funds, transaction settlement funds, transaction margins and trust special deposit accounts are not allowed to withdraw cash cIf capital construction funds, renovation funds, policy-oriented real estate development funds, and interbank fund accounts of financial institutions need to withdraw cash, they should be approved by the local branch of the People's Bank of China at the time of account openingCash withdrawals from special deposit accounts for the purchase of grain, cotton and oil, social security**, housing** and funds for the Party, Youth League and trade unions shall be handled in accordance with the provisions of the State on cash management

The income remittance account only collects and does not pay except for the transfer of funds to its basic deposit account or the special deposit account for extra-budgetary funds; The operating expenditure account disburses only and does not receive payments other than those transferred from its basic deposit account.

4) Temporary Deposit Account: aThe temporary deposit account is used to handle the receipt and payment of funds incurred by the temporary institutions and the temporary business activities of the depositors.

b.Temporary deposit accounts can be opened for the establishment of temporary institutions, temporary business activities in other places, and registration verification (increase) of capitalTemporary deposit accounts must not be valid for a maximum of 2 years d

The temporary deposit account registered for capital verification will only receive but not pay during the capital verification period.

5) Personal bank settlement account: aThe personal bank settlement account is used for personal transfers, receipts and payments, and cash deposits and withdrawals.

Savings accounts are limited to cash deposits and withdrawals, and are not allowed to be settled by transfers. b.If the amount paid by the unit from the bank settlement account to the individual bank settlement account exceeds 50,000 yuan (excluding 50,000 yuan), the relevant payment basis shall be provided to the bank where the account is opened.