I. Functional definition
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.
Second, product introduction
Special deposit account is a special account for depositors to manage and use all kinds of special funds. Pay attention to the following points when using:
1. The funds in the bank card account of the company must be deposited through basic deposit account transfer. The account shall not handle cash receipt and payment business.
2. Extra-budgetary funds, securities trading settlement funds, futures trading deposits and special deposit accounts for trust funds may not withdraw cash.
3. Cash withdrawals from capital construction funds, renovation funds, policy real estate development funds and interbank fund accounts deposited by financial institutions shall be handled within the scope approved by the local branch of the People's Bank of China at the time of opening an account.
4. Cash withdrawal from special deposit accounts such as grain, cotton and oil purchase funds, social security funds, housing funds and trade union funds shall be handled in strict accordance with the provisions of the state on cash management.
5. The income remittance account shall only accept and not pay, and shall not withdraw cash, except for paying basic deposit account or depositors in special financial accounts with extra-budgetary funds.
6. Except for the funds transferred from basic deposit account, the business expenditure account only accepts and does not pay, and the withdrawal of cash must be handled in accordance with the national cash management regulations.
7. The funds in the special RMB account shall not be used for lending or providing guarantee.
Third, the applicable object
In order to manage and use the following funds, depositors may apply for opening a special deposit account:
1. Capital construction funds.
2. Update and transform funds.
3. Extrabudgetary funds.
4. Grain, cotton and oil purchase funds.
5. Securities transaction settlement funds.
6. Futures trading margin.
7. Trust funds.
8. Financial institutions deposit interbank funds.
9. Policy real estate development fund.
10. Corporate bank card reserve fund.
1 1. Housing accumulation fund.
Social security fund.
13. Income remittance funds and business expenditure funds.
14. Organization funds of the party, league and trade union in this unit.
15. Other funds that need special management and use.
Income remittance funds and business expenditure funds refer to the income and expenditure funds of non-independent accounting units or institutions to which depositors in basic deposit account belong.
The special deposit account opened for remittance of income and business expenses shall use the name of the subordinate unit.
Four. Documents required for bidding
When applying for opening a special deposit account, depositors should present the Certificate for Opening basic deposit account, the Permit for Opening an Account in basic deposit account and the following documents to the relevant outlets of China Industrial and Commercial Bank: (Only one special deposit account can be opened with the same certificate).
1. Capital construction funds, renovation funds, policy real estate development funds, housing funds and social security funds shall be approved by the competent authorities.
2. For extra-budgetary funds, a certificate from the financial department shall be issued.
3 grain, cotton and oil purchase funds must be approved by the competent department.
4. The unit bank card reserve fund shall provide relevant certificates and materials approved by the People's Bank of China in accordance with the provisions of the bank card articles of association.
5. Securities trading settlement funds shall be certified by securities companies or securities management departments.
6. The futures trading margin shall be issued by the futures company or the futures management department.
7. Financial institutions shall issue certificates when depositing interbank funds.
8. Relevant certificates of depositors in basic deposit account shall be provided for income remittance funds and business expenditure funds.
9. The funds of the party, league and trade union organizations in the unit shall be approved or proved by the unit or relevant departments.
10. Other funds that need special management and use according to regulations shall be issued with relevant laws and regulations or relevant documents of government departments.