How to operate the business-to-business transfer?
Payee's name, payee's account number and payee's bank name are required for corporate transfer.
1, screen silver shield on the computer;
2. Log in to official website and click "Personal Online Banking Login";
3. Enter the ID number (ID number), login password and verification code, and click "Login";
4. Select "Transfer and Remittance" in the navigation bar, and then select "Current Transfer and Remittance";
5. Choose a payment account: one bank card can bind multiple bank cards of my peers. If only one bank card is bound to the bank card, this option is selected by default;
6. Select sub-account: click "Get Sub-account Information" at the back for the first time to fill in automatically, and then select by default;
7. Name of payee: fill in the name of payee;
8. Payee's account number: fill in the payee's account number and transfer amount: fill in the digital amount;
9. Send a short message to the payee: optional, free of charge. Click "Next" after filling it out;
10, confirm the transfer information, and then select "Confirm";
1 1, enter the password of the network shield, press "OK", and press the "OK" button on the network shield as prompted;
12. If the transfer is successful, the related information of the transfer will be displayed.
Classification of public accounts
1, basic deposit account
An enterprise or institution can only open a basic deposit account in one bank. Depositors can only withdraw wages, bonuses and other cash through basic account.
2. General deposit account
General deposit accounts can handle transfer settlement and cash deposit, but cannot handle cash withdrawal.
3. Special deposit account
Special deposit account is a bank settlement account opened by depositors in accordance with laws, administrative regulations and rules for special management and use of their special funds.
4. Temporary deposit account
Temporary deposit account is a bank settlement account opened by depositors for temporary needs and use within a specified period of time. It is used to handle the receipt and payment of funds generated by temporary institutions and depositors' temporary business activities.
There are many ways to transfer funds to public accounts:
Online banking transfer: applicable to any unit or individual, but online banking needs to be opened in advance. Online banking generally arrives immediately, which is convenient and saves time and effort.
Cash check: to pay money to an individual in cash, you need to fill out a cash check. Cash checks need to be filled out specially and bought in the bank in the name of the company. Usually, they use a transfer check to reach the account within one working day, and the payee needs to bring his ID card and cash check to the bank where he opens an account in Gong Hu to collect cash.
Local transfer: used for company accounts between companies. You need to fill in the transfer check, but the transfer check also needs a special form, which is also applied in the name of the bank unit. Ordinary transfer also takes one working day to arrive. When filling out the transfer check, you must know the full names, bank and account number of the payer and payee, and affix the official seal of finance, legal person and official seal.
T/T: T/T is usually used in foreign trade. The payer deposits a certain amount of money in the remittance bank, and then the remittance bank sends it to the destination branch (target bank) by telegram or telephone, instructing the remittance bank to pay a certain amount to the payee.
The maintenance fee for corporate accounts is charged according to corporate accounts and corporate accounts respectively:
(1) The enterprise account maintenance fee is charged according to 50 yuan/year; There is no limit to floating up, with a floating down rate of 65,438+000%, and the authorized floating down rate for the business and business departments of tier-one branches and branches within their jurisdiction shall not exceed 50%; The financial authorization to pay a zero-balance account can be waived.
(2) For fixed households without any income and expenditure for one year (inclusive), the maintenance fee for fixed households will be charged from the second year, and the 20 yuan will be charged every month.
legal ground
People's Republic of China (PRC) Civil Code
Article 119 A legally established contract is legally binding on the parties.
Article 215 A contract concluded between the parties on the establishment, alteration, transfer and extinction of the real right of immovable property shall become effective upon the establishment of the contract, unless it is otherwise provided by law or agreed by the parties. Failure to register the real right shall not affect the validity of the contract.