Unit bank settlement accounts are divided into basic deposit account, general deposit accounts, special deposit accounts and temporary deposit accounts according to their purposes.
1. basic deposit account is a bank settlement account that depositors need to open for daily transfer settlement and cash receipt and payment.
2. A general deposit account is a bank settlement account opened by a depositor in a banking institution outside basic deposit account for loan or other settlement needs.
3. Special deposit account is a bank settlement account opened by depositors for special management and use of their special funds in accordance with laws, administrative regulations and rules.
4. Temporary deposit account is a bank settlement account opened by depositors for temporary needs and use within the prescribed time limit.
At the same time, it also stipulates that
1. Depositors of corporate bank settlement accounts can only open a basic deposit account in the bank.
2. basic deposit account is the depositor's main account. The receipt and payment of funds for depositors' daily business activities and the withdrawal of wages, bonuses and cash shall be handled through this account.
3. The general deposit account is used for the deposit of depositors' loans, repayment of loans and other settlement funds. This account can be used for cash deposit, but not for cash withdrawal.
General tax inspection begins with basic households.
Usually, when we say company Gong Hu, we mean company basic deposit account. Please adopt it.
Question 2: What does Gong Hu Bank mean? A company bank account, that is, a company bank settlement account, refers to an account opened in a bank in the name of the company.
Question 3: What's the difference between basic deposit account and general accounts? Only basic deposit account can withdraw cash. Ordinary accounts are used for transfer and deduction.
Now banks are very strict about cash withdrawal. Generally, Shenzhen will take 10- 15% of the "balance" at one time, twice a week and no more than four times a month. There used to be 30%, but now there is no more. I said it was from Shenzhen. I have to call your bank to find out. ) inexhaustible. There are no restrictions on transfer. But taxation is a problem.
The registered capital can only be withdrawn a little more when the reserve fund is withdrawn for the first time, which is more difficult. Pay as soon as you get the goods. oh
What other questions can I ask about industrial and commercial taxation? I'm in this business. Consultation is free.
Question 4: What does Gong Hu mean? Gong Hu: The driver's household name is the name of the company or enterprise (Backdoor Company). You don't have to pay travel tax when you check the car. It is a cheap choice to buy a car and get a license for a city hukou.
Question 5: What do you mean by company account? Company accounts are non-resident (individual) accounts, such as bank accounts of companies and administrative institutions. They withdraw money through checks and remittance vouchers, without cards and withdrawals. Handling enterprise accounts (basic hungry households) is less than 100 yuan. For individual industrial and commercial households, if the amount of funds is not large, it is best not to apply for a company account. PBOC's account management is strict, and there is no need to apply for a POS machine.
Question 6: What does the company mean by corporate account? How exactly is it used? An account opened in the name of the company for bookkeeping and foreign cooperation.
Question 7: What does it mean for public bank accounts? "Company account" is the account of a company (unit), and "private account" is the account of an individual. When the employee pays his salary in the bank, he transfers the money from the "company account" to the "private account".
Question 8: What's the difference between general account of enterprises and basic account? As long as you look at the following rules, you can not only increase your knowledge, but also save them in a folder for future reference, which will be of great benefit to your future work:
Measures for the administration of RMB bank settlement accounts
Order of China People's Bank
[2003] No.5
Article 3 Bank settlement accounts are divided into unit bank settlement accounts and individual bank settlement accounts according to depositors.
(1) The bank settlement account opened by the depositor in the name of the company is the bank settlement account of the company. Unit bank settlement accounts are divided into basic deposit account, general deposit accounts, special deposit accounts and temporary deposit accounts according to their purposes.
Bank settlement accounts opened by individual industrial and commercial households with business licenses in the name of shop names or operators shall be included in the management of unit bank settlement accounts.
(2) A bank settlement account opened by a depositor in the name of a natural person with his personal identity certificate is a personal bank settlement account.
The accounts opened by postal savings institutions for bank card business are included in the management of personal bank settlement accounts.
Article 4 Depositors of corporate bank settlement accounts can only open a basic deposit account in the bank.
Article 5 A depositor shall open a bank settlement account at the place of registration or domicile. Except that bank settlement accounts can be opened in different places (across provinces, cities and counties) in accordance with the provisions of these Measures.
Article 6 The examination and approval system shall be implemented for depositors to open basic deposit account, temporary deposit accounts and special deposit accounts in budget units. With the approval of the People's Bank of China, the opening bank will issue an account registration certificate. Except for temporary deposit accounts opened by depositors for capital verification purposes.
Article 7 Depositors may choose to open a bank settlement account. Except for national laws, administrative regulations and provisions of the State Council, no unit or individual may force depositors to open bank settlement accounts in designated banks.
Article 8 The opening and use of bank settlement accounts shall abide by laws and administrative regulations, and bank settlement accounts shall not be used for tax evasion, debt evasion, cash withdrawal or other illegal and criminal activities.
Article 9 Banks shall keep the information of depositors' bank settlement accounts confidential according to law. Unless otherwise stipulated by national laws and administrative regulations, banks have the right to refuse any unit or individual to inquire about the deposits and related materials in the bank settlement account of the unit. Unless otherwise stipulated by national laws, banks have the right to refuse any unit or individual to inquire about the deposits and related materials in individual bank settlement accounts.
Article 10 The People's Bank of China is the supervision and management department of bank settlement accounts.
Chapter II Opening of Bank Settlement Accounts
Article 11 basic deposit account is a bank settlement account opened by depositors for daily transfer settlement and cash receipt and payment. The following depositors may apply for opening a basic deposit account:
(1) Enterprise legal person.
(2) an unincorporated enterprise.
(3) institutions.
(4) Decentralizing units at or above the regimental level, armed police forces and arms (detachments) on duty.
(5) social organizations.
(6) Private non-enterprise organizations.
(7) permanent institutions in different places.
(8) Foreign institutions in China.
(9) Individual industrial and commercial households.
(10) Residents' committees, villagers' committees and community committees.
(eleven) the independent accounting subsidiary established by the unit.
(12) Other organizations.
Article 12 A general deposit account refers to a bank settlement account opened by depositors in financial institutions outside basic deposit account for loans or other settlement needs.
Article 13 A special deposit account is a bank settlement account opened by depositors for the special management and use of their special funds in accordance with the provisions of laws, administrative regulations and rules. In order to manage and use the following funds, depositors may apply for opening a special deposit account:
(1) Capital construction funds.
(two) renovation funds.
(3) Extrabudgetary funds.
(4) Funds for purchasing grain, cotton and oil.
(5) Securities trading settlement funds.
(6) Futures trading margin.
(7) Trust funds.
(8) interbank funds deposited by financial institutions.
(nine) policy real estate development funds.
(ten) the unit bank card reserve fund.
(eleven) housing provident fund.
(12) social security fund.
(thirteen) income remittance funds and business expenditure funds.
(fourteen) the organization funds of the party, the league and the trade union.
(fifteen) other funds that need special management and use.
Income remittance and business contribution ... >>
Question 9: What does an enterprise account mean? Enterprise account refers to the business of enterprise account between enterprises in basic account or general account.
Question 10: What is the corporate account number of the company? Company accounts are non-resident (individual) accounts, such as bank accounts of companies and administrative institutions. They withdraw money through checks and remittance vouchers, without cards and withdrawals. /kloc-handle legal person account within 0/00 yuan (basic deposit account). For individual industrial and commercial households, if the amount of funds is not large, it is best not to apply for a company account. PBOC's account management is strict, and there is no need to apply for a POS machine.