What is the difference between a corporate bank account opening and an individual account opening?

To open an account, you need the business license, official seal, financial seal and other formalities of the enterprise, which is equivalent to a personal ID card, signature, etc. Enterprises are legal persons, and individuals are natural persons, so they all need identity information.

Opening a corporate bank account is more complicated, you must take a variety of documents to open an account, and you also need to pay a fixed fee every year, while it is more convenient for individuals to open an account to get an ID card, and generally no fees are required.

The types of bank accounts of enterprises are generally divided into basic bank accounts.

General bank account.

and temporary bank accounts.

1. Basic account opening information:

1) Original copy of business license;

2) Legal person ID card.

Original; 3) The original ID card of the person in charge or the person in charge of finance (if the person in charge and the person in charge of finance are not the same person, the ID card of the person in charge of finance also needs to provide the original);

Note: The legal person and the financial officer must be different people, and the ID cards of both people need to be provided at the same time.

4) Articles of Association.

Including a copy of the ID card of more than 25% of the shareholders in the articles of association (the size is consistent with the width or the original copy of the certificate, and cannot be a photocopy or scanned copy).

5) Enterprise credit (there is ** in the lower left corner of the business license, enter ** - enter the name of the unit - click on the upper left corner to send the mailbox - print from the mailbox);

6) Housing lease contract.

or house ownership certificate and proof of payment of house water and electricity bills;

7) Official seal, financial seal, private seal.

2. General account opening information:

1) Original copy of business license;

2) The original ID card of the legal person;

3) The original certificate of the person in charge or the person in charge of finance (if the person in charge and the person in charge of finance are not the same person, the ID card of the person in charge of finance also needs to provide the original);

Note: The legal person and the financial officer must be different people, and the ID cards of both people need to be provided at the same time.

4) Account Opening Permit or Basic Deposit Account.

Original information; 5) Articles of association [including a copy of the ID card of more than 25% of the shareholders in the articles of association (the size is consistent with the original ID card, not a photocopy or scanned copy)];

6) Enterprise credit investigation (there is ** in the lower left corner of the business license, enter ** - enter the name of the unit - click on the upper left corner to send the mailbox - print from the mailbox);

7) Housing lease contract or house ownership certificate and proof of payment of housing water and electricity bills;

8) Official seal, financial seal, private seal;

9) To open a general account, you must provide proof of account opening (such as loans, online banking.

settlement, etc.). 3. Temporary account opening information:

1) the Provisional Institutions provide documents of the competent authority's agreement to establish the Provisional Institutions;

2) The original business license of the unit engaged in temporary business activities in other places and the administrative department for industry and commerce of the place of temporary business shall be issued.

documents and the number of the basic deposit account;

3) Registered capital verification funds, issued by the administrative department for industry and commerce issued by the enterprise name pre-approval notice or documents of relevant departments.

Bank. Is it as chaotic as opening an account pants and a pure staring at outlets?

Distinguish. First, the meaning of the two is not the same.

The opening bank is the bank where the payer or payee has an account during the clearing process of the bill. The account opening unit mainly refers to the unit or enterprise that handles business in the bank, and opens the enterprise or unit account in the bank.

Distinguish. Second, the extraction methods of the two are different.

The basic deposit account of the opening bank refers to the account of the depositor for daily transfer settlement and cash receipt and payment. Cash withdrawals such as wages and bonuses of depositors can only be made through this account. Taking the housing provident fund as an example, after the account opening unit handles the housing provident fund, all the housing provident fund will be transferred to the bank card, but the withdrawal needs to be applied.

Distinguish. 3. The deposit account choices of the two are different.

The depositor can handle the transfer settlement and cash deposit through the account, but cannot handle cash withdrawal. The account opening unit needs to apply before it can choose which account is the account of the unit or enterprise, and the choice is different.

Distinguish. 4. The account opening unit needs to apply to the opening bank before it can be handled.

Taking the deposit account as an example, the basic deposit account refers to the account where the depositor handles daily transfer and settlement, such as Qiaozhen and cash receipt and payment. Cash withdrawals such as wages and bonuses of depositors can only be made through this account. If a depositor applies to open a basic deposit account, he or she shall fill in an application form for opening an account and provide the required documents.

Submit a seal card with the depositor's seal.

The account can be opened with the approval of the bank and the account opening permit issued by the local branch of the People's Bank of China. The account opening unit needs to submit proof of account opening. Those who apply to open an account in a bank must submit to the bank a certificate issued by the competent department at the next higher level to any public institution such as an organ, school, army, or people's organization.

The connection between the two:

1) The account opening unit shall comply with the provisions when using the bank account, and the account opening unit shall comply with the provisions of bank credit, settlement and cash management when handling deposit and withdrawal, receipt and payment transfer, etc.; The bank account can only be used for the payment of funds within the scope of the business of the unit, and it is not allowed to lease or lend to others for use, and the account opening unit shall truthfully provide the bank with relevant information on the use of the account width key account, and obey the bank's supervision and management.

2) When the account opening unit applies for changing the account name, it shall submit the certificate of the competent department and the registration business license of the administrative department for industry and commerce to the bank, and go through the procedures for changing the account name after verification by the bank. If the account opening unit applies for cancellation or merger of accounts, it shall check the balance of the deposit account with the opening bank, and the account can be closed only after the creditor's rights and debts are liquidated. The unused blank important vouchers shall be returned to the bank for cancellation.

Encyclopedia - Account Opening Application.

Encyclopedia - Bank of Deposit.

The people of Xiangtan County**-The newly opened unit needs to pay attention to the various businesses of the housing provident fund.

The opening bank of the company's basic account can choose an approved legally established bank, such as Bank of China, China Construction Bank, Industrial and Commercial Bank of China, etc.

According to the Measures for the Administration of Bank Accounts, depositors can open accounts with their own banks, and banks can also voluntarily choose depositors to open accounts. No unit or individual may forcibly interfere with the opening or use of accounts by depositors and banks. The opening of a basic deposit account shall be submitted to the local People's Bank of China for examination and approval and the issuance of an account opening permit, the original of which shall be retained by the depository unit and the copy shall be submitted to the opening bank for retention.

Therefore, a business can choose one of any legally established bank as the opening bank, but can only choose one business institution of a commercial bank to open a basic deposit account.

1. Choose one that is closer to the enterprise or has more convenient transportation.

2. According to the company's own operating conditions, choose the opening bank with appropriate fees.

3. Try to choose a bank with fast processing time and high efficiency.

4. Choosing a bank with a good service attitude is helpful to enterprises to a certain extent.

5. Enterprises can only and must apply for a basic account.

Extended Materials

A deposit bank is a bank in which the payer or payee has an account during the clearing process of the bill. According to the different ways in which the bearer submits the bill to the bank, the bill clearing is divided into two types: Shun Hui clearing and entrusted collection clearing. In the fund clearing method of Shunhui clearing, the payer's bank (paying bank) directly transfers the money to the payee's bank (payee bank).

In the fund settlement method of entrusted collection and liquidation, the payee entrusts its opening bank to collect the bill payment from the paying bank.

According to the Measures for the Administration of Bank Accounts and the Provisions on Penalties for Violating the Bank Settlement System, the depositary bank violated the regulations and did not hold an account opening license.

or have opened a basic deposit account.

If a depositor opens a basic deposit account or forcibly pulls a unit to open an account, it shall be revoked within a time limit and a fine of 5,000 yuan to 10,000 yuan shall be imposed.

If the depositary bank violates the regulations by paying cash to the depositor of the general depositor's account or failing to report to the People's Bank of China within 7 days from the date of opening or canceling the account of the unit, it shall be fined between 2,000 and 5,000 yuan.

The company has the following advantages:

Market economy. Equal market players are required.

in accordance with the principle of equivalent exchange; Through fair competition, we will obtain and provide commodities from the market, promote the rational flow of the entire market, and realize the optimization of structural erection and the rational allocation of resources. The requirements of the market economy determine that market entities must have clearly defined property rights.

And it must be independent and equal. Due to its unique nature, the legal person system has enabled legal persons to play a major role in the market economy. As a form of legal person, the characteristics of the company fully meet the requirements of the market economy, which will inevitably mean that the company will become the main body of the market economy.

Compared with other market players, the advantages of the company are clearly manifested in:

1. The limited liability of the company's shareholders determines that the shareholders who invest in the company can not only meet the needs of investors to seek benefits, but also limit the risks they bear to a reasonable range and increase their enthusiasm for investment.

2. The company, especially the shares, can be publicly issued and bonds, and widely raise funds in the society, which is convenient for the establishment of large enterprises.

3. The company implements the principle of complete separation of ownership and management rights, and improves the company's management level.

4. The company's unique organizational structure.

The form makes the company's capital and operation tend to maximize the benefits and better realize the purpose of investors.

Bank account and bank account.

The differences: 1. The meaning is different.

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

All must open an account with a bank; The opening bank refers to the business outlets that handle the account opening procedures, and refers to the bank that handles the opening of bank accounts.

2. The role is different.

Banks have real-name authentication.

Function, when opening an account in an online virtual bank, the name and password of Mu Xunxian must be consistent, otherwise the bank will not accept it. The role of the opening bank is mainly to handle an account for the customer, so that the customer can obtain the bank's prosperity through the account.

3. The form of existence is different.

The bank is presented in the form of a string of numeric symbols on a deposit or a card, and each card has a corresponding card number, which is the bank, and there is usually a passbook under the name of the account.

and a card. The opening bank is an institution that exists in real life and is presented in the form of a physical bank.