Can the basic account and the general account be in the same bank?

You can open a bank, but you can't open a branch, and you can't open a branch.

Not in the bank. According to the regulations of the People's Bank of China, each enterprise in the basic deposit account can only open one account, and it is the only account in the same enterprise that can withdraw cash. The regular account can only be used for carryover, not withdrawal.

A data fund is a certain amount of money set up for a purpose. These include major trusts and investments, provident funds, insurance, retirement, and various associations. From an accounting perspective, money is a narrow concept that refers to money that has a specific purpose and purpose.

When we say **, we mainly mean**investment**. According to different criteria, **investment** can be divided into different types: (1) According to whether **shares can be added or redeemed, they are divided into open-ended and closed-ended**.

Open-ended ** unlisted trading (subject to availability). Through the subscription and redemption of banks, brokers, and companies, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the exchange, and investors buy and sell shares through the secondary market. (2) According to the different forms of organization, it can be divided into company type ** and contract type **.

**In the form of an investment company, it is established by issuing **shares, which is usually called a company type**; It is established by the manager, custodian and investor through a contract, and is often referred to as a contractual type. China's **investment** is contractual**. (3) According to the different investment risks and returns, it can be divided into growth, income and balance**.

4) According to the different investment objects, it can be divided into four categories: bonds, currencies, and hybrids. Which is the earliest hedge** is uncertain. During the great bull market in the United States in the 20s of the last century, there were countless investment vehicles specially prepared for the rich.

The most famous is the Graham-Newman partnership**, founded by Benjamin Graham and Jerry Newman. In 2006, Warren Buffett declared in a letter to the American Museum of Finance that the Graham-Newman partnership of the 20s was the earliest known hedge, but that others could have been earlier. In the 1969-1970 recession and the 1973-1974 stock market crash, many of the early ** suffered heavy losses and went bankrupt.

In the 70s of the 20th century, hedging was usually focused on one strategy, and most managers employed a long-short model.

The basic account and the general account cannot be opened in the same bank. According to the regulations of the People's Bank of China, each enterprise can only open one basic account, and it is the only account that can withdraw cash among all accounts of the same enterprise. The general account can only be used for carryover, not cash withdrawal.

In order to prevent commercial crime, it has long been stipulated that the above two types of accounts cannot be opened in the same bank. This is clearly stipulated in China's measures for the management of RMB accounts.

1.The basic 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 main account. Depositors can only open one basic deposit account with the bank. Opening a basic deposit account is a prerequisite for opening a settlement account with other banks.

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

3.The basic deposit account can be withdrawn, and it is an account for enterprises and institutions to handle daily transfer settlement and cash receipt and payment. Cash withdrawals such as wages and bonuses of enterprises and institutions can only be handled through this account. Enterprises and institutions can only choose one bank to open a basic deposit account.

4.General depositors are not allowed to withdraw cash, which refers to the settlement account opened by the depositor in a bank other than the bank where the basic account is opened for repayment of loans or other settlement needs. It is mainly used for the transfer of loans, the return of loans and the receipt and payment of funds for other settlements.

General accounts can make cash deposits, but cannot handle cash withdrawals. The main difference between the basic account and the general account is that the basic account can withdraw cash, pay wages on behalf of the employee, and apply for a unit card; Regular accounts don't have these features.

Extended Information: Meaning of Basic Account:

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. Depositors can only open one basic deposit account with the bank. Opening a basic deposit account is a prerequisite for opening a settlement account with other banks.

According to the Administrative Measures for RMB Bank Settlement Accounts, an entity can only choose one bank to apply for opening a basic deposit account.

<> basic account and general household account cannot be in the same bank. According to the regulations of the People's Bank of China, each enterprise can only open one basic account, and it is the only account that can withdraw cash among all accounts of the same enterprise. The general account can only be used for carryover, not cash withdrawal.

The basic 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;

A general deposit account refers to a bank settlement account opened by a depositor at a bank business institution other than the bank where the basic deposit account is opened for borrowing or other settlement needs.

In order to prevent commercial crimes, it has long been stipulated that the above two types of accounts cannot be opened in the same bank, which is clearly stipulated in the Early Answer Law of China's RMB Account Management Office.