Can ordinary households opened by enterprises in banks be wealth management products?

Enterprises can do bank investment and financial management, and investors should pay attention. Generally speaking, this method is to facilitate the transfer business of enterprises (relative customers), and is mainly used to handle the deposit of depositors' loans, loan repayment and other settlement funds, and cash withdrawal is not allowed. Users can also open one or more general accounts according to business needs, and cash can be withdrawn from the funds transferred from the general accounts to basic account. However, different wealth management products have different starting requirements, different deadlines and different yields. Investors must consult the bank first.

Basic account can be withdrawn, which is an account for daily transfer settlement and cash receipt and payment of enterprises and institutions. Cash withdrawal of wages and bonuses of enterprises and institutions can only be handled through this account. Enterprises and institutions can only choose one bank to open basic account.

Ordinary depositors can't withdraw cash, which refers to the settlement account opened by depositors in banks other than basic deposit account Bank for repayment of loans or other settlement needs. Mainly used for lending, repayment and other settlement funds. Ordinary families can handle cash deposits, but they can't handle cash withdrawals. The main difference between basic households and ordinary households is that basic households can withdraw cash, pay wages and run unit cards; General accounts do not have these functions.

② There are four types of company bank accounts: basic, ordinary, special and temporary, with the first two commonly used. Each company can only have one basic deposit account, which is also a prerequisite. You must have a basic account opening license to open other accounts. Basic deposit account and general accounts cannot be opened in the same bank (excluding outlets such as ICBC Beijing and ICBC Shanghai), and the number of other types of accounts except basic deposit account is not limited. According to the current regulations, if enterprises apply the new accounting standards, wealth management products are accounted as "transactional financial assets" and the interest during the holding period is accounted as "investment income"; When it is recovered, the account of "bank deposit" can be debited and the account of "transactional financial assets" can be credited.

(3) If the enterprise still applies the original accounting system, the wealth management products are accounted for as "short-term investment", and the interest received during the holding period is treated as the investment cost reduction. At the time of recovery, the difference between the received amount and the book value, as well as the dividends and interests that have not been received and included in the receivable items, are included in the current profits and losses as investment gains or losses.