There are seven types of bank settlement accounts, which ones are approved and which ones are record

The main types of approved accounts are:

1) Basic Deposit Account;

2) Temporary Deposit Account.

Except for the capital verification due to registration and capital increase);

3) Special deposit accounts for budget units.

4) Special deposit accounts as otherwise stipulated by the People's Bank of China.

Filing accounts mainly include:

1) General Deposit Account;

2) Special deposit accounts for non-budget units;

3) Personal bank settlement account.

There are four types of approved accounts:

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, bonuses and cash.

2.Temporary Deposit Account: The temporary deposit account is used to handle the receipt and payment of funds arising from the temporary business activities of temporary institutions and depositors.

3.Special deposit account: The funds in the bank card account of the unit must be transferred and deposited by the basic deposit account, and the account shall not handle cash receipt and payment business.

4.Special deposit accounts as otherwise provided by the People's Bank of China.

There are three types of filing accounts:

1.General deposit account: handle the transfer of depositors' loans, the return of loans and the receipt and payment of funds for other settlements; This account can be used for cash deposits, but not cash withdrawals.

2.Personal bank settlement account: The 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.

3.Deposit accounts for non-budget units.

It refers to the RMB current deposit account opened by the depositor at the handling bank for fund receipt, payment and settlement. Bank settlement accounts are divided into unit bank settlement accounts and individual bank settlement accounts according to different depositors. The bank settlement account opened by the depositor in the name of the unit is the bank settlement account of the unit.

A bank settlement account opened in the name of an individual is a personal bank settlement account.

There are seven main types of approved accounts, which are as follows:

1) Basic Deposit Account;

2) Temporary Deposit Account.

Except for the capital verification due to registration and capital increase);

3) Special deposit accounts for budget units.

4) Special deposit accounts as otherwise stipulated by the People's Bank of China.

5. General deposit account;

6. Special deposit accounts for non-budget units;

7. Personal bank settlement account.

Filing accounts mainly include:

1) General Deposit Account;

2) Special deposit accounts for non-budget units;

3) Personal bank settlement account.

Bank settlement accounts have the following three characteristics, which are as follows:

1. Handle RMB business. This is different from the foreign currency deposit account, which is a foreign currency business, and its opening and use are subject to the State Administration of Foreign Exchange.

the relevant provisions;

2. Handle the settlement of capital receipt, payment and settlement. This is a clear difference from a savings account. The basic function of savings is to deposit and withdraw principal and withdraw interest, but it cannot handle the receipt and payment of funds;

3. It is a demand deposit account. This is different from the fixed deposit account of the unit, which does not have a settlement function.

The bank settlement account refers to the RMB current deposit account opened by the depositor at the handling bank for the settlement of fund receipts and payments. The depositor here refers to the organs, groups, troops, enterprises, public institutions, other organizations and individual industrial and commercial households that have opened bank settlement accounts in China.

and natural persons; Bank refers to the territory of China through the People's Bank of China.

Approve the operation of payment and settlement business of policy banks.

Commercial banks (including wholly foreign-funded banks, Sino-foreign joint venture banks, and branches of foreign banks), urban commercial banks, rural commercial banks, urban credit cooperatives, and rural credit cooperatives.

It has the following three characteristics:

1. Handle RMB business. This is different from foreign currency deposit accounts, which are foreign currency business, and their opening and use are subject to the relevant regulations of the State Administration of Foreign Exchange.

2. Handle the settlement of capital receipt, payment and settlement. This is a clear difference from a savings account. The basic function of savings is to deposit and withdraw principal and withdraw interest, but it cannot handle the receipt and payment of funds;

3. It is a demand deposit account. This is different from the fixed deposit account of the unit, which does not have a settlement function.

The main types of approved accounts are:

1) Basic Deposit Account;

2) Temporary deposit account (except for those opened due to registration and capital increase);

3) Special deposit accounts for budget units.

4) Special deposit accounts as otherwise stipulated by the People's Bank of China.

Filing accounts mainly include:

1) General Deposit Account;

2) Special deposit accounts for non-budget units;

3) Personal bank settlement account.

1. Approved accounts refer to bank settlement accounts that have been approved by the people's bank account management system and issued with licenses.

2. Filing accounts: bank settlement accounts other than approved accounts, mainly referring to general deposit accounts.

Other dedicated deposit accounts.

Temporary deposit accounts for registration and capital increase and capital verification are opened.

Personal bank settlement account.

3. Approved Accounts:

1) Basic Deposit Account;

2) Temporary deposit account (except for those opened due to registration and capital increase);

3) Special deposit accounts for budget units.

4) Special deposit accounts as otherwise stipulated by the People's Bank of China.

4. Sensui filing account:

1) General Deposit Account;

2) Special deposit accounts for non-budget units;

3) Personal bank settlement account.

The main types of approved accounts are:

1) Basic Deposit Account;

2) Temporary deposit account (except for those opened due to registration and capital increase);

3) Special deposit accounts for budget units.

4) Special deposit accounts as otherwise stipulated by the People's Bank of China.

Filing accounts mainly include:

1) General Deposit Account;

2) Special deposit accounts for non-budget units;

3) Personal bank settlement account.

Approved class accounts mainly and rocks have:

1) Basic Deposit Account;

2) Temporary Naobi deposit account (except for those opened due to capital verification and capital increase verification of registered liquid sheds);

3) Special deposit accounts for budget units.

4) Special deposit accounts as otherwise stipulated by the People's Bank of China.

Filing accounts mainly include:

1) General Deposit Account;

2) Special deposit accounts for non-budget units;

3) Personal bank settlement account.

Settlement accounts that need to be reviewed and approved by the People's Bank of China, such as basic accounts, special accounts, temporary accounts, etc.

To open a general deposit account, it is necessary to issue to the bank the supporting documents required for opening a basic deposit account, the basic deposit account opening permit and the following documents:

1) Due to the need to borrow from the bank, the depositor shall issue a joint account for the loan and the loan.

2) The depositor shall issue relevant certificates for other settlement needs.

3) If a depositor who borrows money from another place opens a general deposit account in a different place, he or she shall issue a loan contract for obtaining a loan in another place. Steps to open a bank settlement account for the record:

1) The depositor goes to the opening bank to obtain the "Application Form for Opening a Bank Settlement Account" (in triplicate);

2) The depositor shall send the completed application form (in triplicate) and the account opening information to the opening bank with the completed application form stamped with the official seal of the unit;

3) Examination by the opening bank;

4) The depositary bank shall conduct on-the-spot household investigation of depositors in accordance with relevant management regulations;

5) After the depositor is investigated and verified, the depositary bank shall open a bank settlement account for the record, and file it through the RMB bank settlement account management system.