How to invest in a start up business Open an account and how to raise funds for a business

Capital is capital verification, which is an important part of the registration of a company. The capital verification is mainly to transfer the investor's investment funds into the capital verification account, and then the bank confirmation letter is issued by the opening bank. Issue a capital verification report (the main function of the capital verification report is to explain the amount and proportion of capital contribution to the Industrial and Commercial Bureau).

In order to register the registered capital on the business license.

The information required to open a capital account is as follows:

1. The original Notice of Pre-approval of Enterprise Name issued by the administrative department for industry and commerce.

2. The original identity document of the investor (if the investor is a company, the original and copy of the business license within the validity period of the annual examination shall be provided, the organization ** certificate, the account opening permit and the legal person ID card, and the personal identity certificate shall be provided if the investor is an individual, and if the investor is a Hong Kong, Macao and Taiwan resident, please provide his or her mainland travel permit; Foreigners should provide their passports, and the new version of the ID card should be copied on the front and back).

3. The investor needs to go to the bank to open an account together, if it is really impossible to come in person, it is necessary to entrust others to handle it, and the entrusted person should be one of the investors, and try to require the largest amount of capital contribution as the entrusted person.

4. Power of attorney signed (sealed) by each investor. The enterprise issues it on its own, and our bank does not provide a blank power of attorney. (Power of attorney for opening an account, entrusting the agent to open a capital verification account).

5. Triple seal card, with the signature of all investors as the seal (the company's shareholders affix the official seal), if only part of the signatories are reserved as the seal, all shareholders need to jointly issue a power of attorney.

6. Apply for opening an account in triplicate.

7. Duplicate bank settlement account management agreement.

Investment: Newly established domestic-funded enterprises should go through the capital formalities at the bank designated by the Industrial and Commercial Bureau with the Notice of Pre-approval of Enterprise Name and the identity certificate of shareholders after the name is approved and before submitting the application for establishment.

Funding method: Yes.

1) Cheque direct capital contribution (currently only for unit contributions);

2) Direct cash contribution (for individual contributions only);

3) Personal passbook funding;

4) Remittance method (both units and individuals) and so on.

After the name is approved and before the application for establishment is submitted, a newly established foreign-invested enterprise is not required to go through the capital deposit procedures at a bank designated by the Industrial and Commercial Bureau, as is the case with a domestic-funded enterprise. It is only necessary to set up an account in the bank after obtaining the business license, and transfer the capital into the enterprise account according to the date agreed in the contract and the articles of association.

Account opening: (1) After the establishment of a domestic enterprise, it should choose a nearby bank to open a basic account (cash withdrawal account) after applying for the enterprise organization**, local taxation and national tax registration certificates, and if the business needs to open a general account (transfer account) in other banks, but only one basic account can be opened.

2) Foreign-invested enterprises can set up RMB accounts and foreign exchange accounts.

To open a RMB account with a domestic-funded enterprise, after the establishment of the enterprise has gone through the enterprise organization**, local taxation, and national tax registration certificates, choose a nearby bank to open a basic account (cash account) for the enterprise, and if the business needs it, you can also open a general account (transfer account) in other banks, but only one basic account can be opened.

There are two types of financing, debt financing and equity financing.

Debt financing is a traditional financing method, mainly lending, including bank loans, private loans, corporate bonds, pawns, loans, financial leasing and other channels, such financing needs to repay principal and interest.

Equity financing, mainly refers to listing, capital increase and share expansion, employee stock ownership, private equity, etc., does not need to repay principal and interest, and only needs to be divided into dividends when the enterprise is profitable. However, it is necessary to partially transfer the management rights of the enterprise.

The first account of the newly established company can only have one basic account for each enterprise, and the basic account can handle cash withdrawal, salary payment and other businesses. For basic account opening information, please click the link to view the web link.

The opening information of the basic account of the Agricultural Bank of China is as follows:

1) The original and copy of the business license (only the original copy is required for newly established enterprises in the current year);

2) The original certificate of the organization;

3) Original tax registration certificate;

4) ID card of the legal representative or the person in charge of the unit; The above materials must be provided at the same time as the original and two copies of A4 paper, and the reserved signature of the unit shall be provided;

5) If the unincorporated person handles the application on behalf of himself/herself, it is also necessary to provide the ID card of the person in charge and the power of attorney of the legal representative, and affix the official seal of the unit and the name seal of the legal representative. (It is recommended to check with your local outlets for the actual situation).

The basic bank account refers to the account where the depositor handles daily transfer and settlement, cash receipt and payment. The expenditure of cash such as wages and funds of the enterprise can only be handled through the basic deposit account.

An enterprise can only open a basic deposit account, when it comes to the indispensable business license, the business license is a proof of an enterprise, and in layman's terms, a business license is an ID card of an enterprise. In addition, the legal person ID card is also a must, in addition to the company's seal, the official seal, the legal person seal, the financial seal, three chapters, when the time is to stamp on the seal card, if the legal person does not have time or for various reasons can not be present, need to entrust others to handle, but also have a power of attorney and the ID card of the handler.

The above are the basic materials for opening an account with a bank, and some banks may need other materials, so you can consult the bank in advance before opening an account. If you still have any questions, you can consult Xiaoyi, and look forward to your adoption