I. Liquidation procedures of enterprises
Before an enterprise decides to cancel, it needs to complete the liquidation procedure. Liquidation procedures include asset disposal, debt settlement, employee placement and other steps to ensure that the financial and legal affairs of the enterprise are properly handled.
Second, the bank account processing
With the completion of enterprise liquidation, the handling of bank accounts has become an important link. When an enterprise is about to be revoked, it shall first notify the bank and provide the necessary documents and materials as required by the bank. These documents may include enterprise cancellation certificate, liquidation report, legal person ID card, etc.
Three. Bank cancellation procedure
After the enterprise provides the required documents, the bank conducts internal audit to confirm that the enterprise has completed liquidation and meets the cancellation conditions. Once approved, the bank will cancel the bank account of the enterprise and go through relevant procedures, such as clearing the account balance and canceling the relevant contract.
Fourth, matters needing attention
In the process of revoking banks, enterprises should pay attention to the following points:
1. Ensure the integrity of the liquidation procedure and avoid omitting any financial or legal affairs.
2. Inform the bank in advance, so that the bank has enough time to go through relevant procedures.
3. Prepare all necessary documents and materials to ensure the accuracy and completeness of information.
4. After the cancellation of the bank, properly keep relevant vouchers and documents in case of emergency.
To sum up:
The cancellation of the bank by an enterprise shall be carried out in a timely manner after the liquidation, and the enterprise shall provide the necessary documents and materials according to the requirements of the bank and go through the cancellation procedures of the bank. In the whole process, the enterprise should ensure the integrity of the liquidation procedure, notify the bank in advance, and prepare all necessary documents and materials. After the cancellation of the bank, the enterprise shall properly keep the relevant vouchers and documents.
Legal basis:
Company Law of the People's Republic of China
Article 188 stipulates:
After the liquidation of the company, the liquidation group shall prepare a liquidation report, submit it to the shareholders' meeting, the shareholders' meeting or the people's court for confirmation, and submit it to the company registration authority to apply for cancellation of company registration and announce the termination of the company.
People's Republic of China (PRC) Commercial Bank Law
Article 34 provides that:
According to the needs of national economic and social development, commercial banks carry out loan business under the guidance of national industrial policies. Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Payment and settlement method
Article 49 provides that:
Units and individuals who cancel bank settlement accounts must check the balance of bank settlement accounts with the bank, return all kinds of important blank bills, settlement vouchers and account registration certificates, and go through the formalities of account cancellation only after the bank checks them correctly. Depositors who fail to return all kinds of important blank bills and settlement vouchers as required shall issue relevant certificates and bear the losses themselves.