What is the difference between a checking deposit account and a savings deposit account

Savings account refers to the bank settlement account opened by the depositor for daily transfer settlement and cash receipt and payment, and is the depositor's host account.

The savings 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. Depositors can only open one basic deposit account with the bank and there should be sufficient funds in their account to make payments. The basic deposit accounts of depositors shall be subject to the system of issuing account opening permits by local branches of the People's Bank of China.

Opening a basic deposit account is a prerequisite for opening a settlement account with other banks.

A checking account is a deposit in a commercial bank or other financial institution that allows withdrawals by check, so it is a transaction currency, also known as a check deposit.

The checking account is equivalent to our current deposit, the savings account is equivalent to our time deposit account, and our current account is equivalent to a personal credit card deposit in M1.

1. A checking deposit account is a type of Hong Kong dollar that can only be operated by licensed banks in Hong Kong.

and foreign currency demand deposit methods. This account is mainly used for cash transactions and cash payments. Account holders can deposit, withdraw or transfer funds at any time without prior notice to the bank.

2. Savings deposit refers to the deposit of RMB or foreign currency belonging to a resident into a savings institution, and the savings institution issues a passbook.

Or certificates of deposit. As a certificate, an individual can withdraw the principal and interest of the deposit by virtue of the passbook or certificate of deposit, and the savings institution shall pay the principal and interest of the deposit in accordance with the regulations. Savings deposit is a deposit formed by the public depositing the income that is temporarily not used in the current period into the bank.

Depositors of savings deposits are generally limited to individuals. Traditional savings deposits cannot be paid by cheque and can earn interest. This type of deposit is usually issued by the bank to the depositor as a passbook as a certificate for deposit and withdrawal.

The passbook of a savings deposit is not negotiable, transferable and cannot be discounted.

The official website shall prevail.

<>** The qualification examination includes a total of three subjects, of which subject 1 is compulsory, subject.

In the second and third selection exams, every time they reach the registration stage, candidates are more concerned about the difficulty of the professional examination, so which subject is the most difficult? What are the difficulties?

**Which subject is the most difficult in the professional exam?

Although everyone seems to be just a professional exam, they all think it is very simple, but in fact, the professional exam is not easy to pass and is not easy to pass, why? Many candidates reacted, there are too many knowledge points involved, including statistics, analysis and mathematical knowledge, etc., all of which need to have a certain foundation, and the questions are relatively flexible, without too obvious rules, which requires candidates to conduct a comprehensive review, focusing on a certain point that is easy to pass the exam, which requires candidates to spend a lot of energy, so comprehensive feedback from candidates after the exam, the professional exam is indeed difficult, candidates should not take it lightly. Regarding which subject is the most difficult, the subject of "Basic Knowledge of Investment" has been voted for the most, and the knowledge points of this subject are also the most involved, and the subject will involve statistics, investment, analysis, arithmetic ability and chart analysis, all of which are more difficult and take time to understand.

**What are the difficulties in the professional exam?

1.Combination of multiple choice questions.

It is a combination of multiple-choice questions and multiple-choice questions in a unique way, multiple-choice questions and multiple-choice questions are not necessarily different, and the difficulty is slightly lower than that of single-choice questions, and multiple-choice questions are slightly lower than those with an indefinite period. The exam stems are provided in four or more views, and then these comments are combined in four different forms of four options in order to allow the candidate. Candidates who take the exam for the first time are often stumped by the question, and I don't know how to deal with it.

This topic is to study the ability to grasp and understand the teaching content and apply the basic knowledge of the candidate's difficulty level at multiple levels and perspectives.

2.Random questions.

** Practice questions and other different ways. In each test, the examination system automatically selects a group of test questions randomly according to the proportion of the chapters, which greatly improves the difficulty and randomness of the test. Due to the high proportion of topics selected by the department, this requires candidates to review comprehensively in order to successfully pass the test when preparing for the exam.

If the difficulty of the test itself is three-star, this randomly selected question will increase the difficulty of the test to a five-star rating.

<> types and functions of bank deposit accounts include:

1. Basic deposit account: It is the account for depositors to handle daily transfer and settlement and cash receipt and payment, which is mainly used for the withdrawal of cash such as wages and bonuses of enterprises;

2. General deposit account: It is a bank settlement account opened by the depositor Yunhu in a bank business institution other than the bank where the basic deposit account is opened, which is mainly used for borrowing or other settlement needs, and cannot be withdrawn in cash;

3. Temporary deposit account: It is an account that needs to be opened by an enterprise due to temporary business activities, which is mainly used for the receipt and payment of funds arising from temporary business activities;

4. Special deposit account: It is a bank settlement account opened by depositors for special management and use of funds for specific purposes in accordance with laws, administrative regulations and rules, and is mainly used for the settlement of special project funds.