Precautions for opening an account:
If investors want to enter the stock market, they must first open a securities account. Generally speaking, stock trading is speculation of A shares. A shares are speculated in RMB. B-shares are speculated in foreign currency, with little participation of domestic investors.
Frequently asked questions about stock account opening:
One: age limit for opening an account?
Answer: Must be at least 18 years old, subject to the date of birth on the ID card.
Seventeen: Can I buy and sell stocks after opening an account?
A: Shenzhen shares will be available on the same day, and Shanghai shares will be available the next day.
Eighteen: Can the stock still be used when it is opened elsewhere?
A: Of course! Stocks are traded online. You can use it normally when you are in other places, and there is no extra charge, except for the bank card fee!
Nineteen: Can I open multiple stock accounts?
Answer: Shenzhen can open as many as possible, and Shanghai can only open one.
Four: What information do you need to open an account?
Answer: the second-generation ID card plus an ordinary bank card is enough. If you don't have a second-generation ID card, you can open an account with a first-generation ID card, but you need auxiliary documents, such as driver's license and residence permit.
Fourteen: I have opened an account. What should I do if I can't stock up?
A: After opening an account, the account manager or securities broker will provide one-on-one guidance service. Beginner's questions can be answered! (If a natural household goes to the sales department to open an account, there is no one-on-one service. Therefore, before opening an account, look for an account manager or securities broker who is helpful to stock trading after opening an account! Your follow-up service is provided by him, and whether his professional knowledge can pass the customs is something you must consider! So if you have any questions, ask him to see if he is patient enough, if his answers are professional and coherent, and if he can answer all your questions. Otherwise, don't choose him as your account manager or securities broker! A person who can't even answer the questions of new investors must have insufficient professional knowledge!
V: Do I need to open online banking for my bank card? Which banks can?
Answer: You don't need to open online banking, just ordinary bank cards. It doesn't matter if you open online banking. Bank-securities transfer is different from online banking. China Agricultural Bank, China Industrial and Commercial Bank, China Bank, China Construction Bank, Bank of Communications, Shenzhen Development Bank, Shenzhen Ping An Bank, China Merchants Bank, Huaxia Bank, Industrial Bank, China Everbright Bank, China CITIC Bank, China Minsheng Bank, Guangdong Development Bank, Shanghai Bank, bank of tianjin and China Merchants Bank.
Two: When do you open an account?
A: You can open an account in the business department of a securities company. The opening time is from Monday to Friday (9: 00 am to 5: 00 pm), and the location is small. You can also open an account in a larger city from 9: 00 a.m. to 5: 00 p.m. from Monday to Friday and from 9: 00 a.m. to 5: 00 p.m. on weekends.
How much do I need to deposit to open an account?
Answer: You don't need to save money to open an account, and you can open an empty account without saving a penny. There is no limit to this. But I suggest that you deposit a dollar in the bank card first, then transfer it to the stock fund account through bank-securities transfer after opening an account, and then transfer it out, so as to familiarize yourself with the operation process of bank-securities transfer.
Seven: How much can I buy stocks?
Answer: The stock exchange stipulates that you should buy at least one share or an integer multiple, and one share is equal to 65,438+000 shares. The cheapest stock, Agricultural Bank of China, is more than two yuan per share, and 100 shares need more than 200, so 300 yuan can buy stocks, and the leverage is very low. However, 300 yuan's stock speculation is meaningless, and it is only suitable for him to be familiar with the stock trading process.
Twenty-one: What should I do if my ID card is opened by someone else?
You can go to the sales department of any securities company to inquire about your shareholder information, then close the account and re-open the account!
Twenty-two: the transfer has begun. How to transfer accounts?
A: 1. Cancel the designated transaction in the Shanghai market of the original account opening business department.
2. In the original account opening business department, transfer the account stock to the seat number of the securities business department where the Bank is about to open an account.
3. After completing the above procedures, go to the securities business outlets of our bank to open an account, and open an account according to step 1.
After handling the above account opening procedures, you will become our securities trading customer. You can trade A-shares, closed-end funds, open-end funds, warrants, bonds and other trading products through the self-service entrustment system, telephone entrustment system, online trading entrustment system (online business hall of our bank and online trading software of our bank) and mobile phone trading software of our securities business department.
Does it matter if you don't need to open an account? Will the annual fee be deducted?
A: It doesn't matter if you don't open an account. If you don't have funds and don't operate, you will automatically close your account after three years. As long as you don't trade or buy stocks, there is no handling fee. There is no such thing as an annual fee, and there will be no annual fee deduction. On the contrary, many bank cards do not even deduct money after being bound to three-party depository. Free annual fee. But not all banks are free of annual fees.
Nine: Is the account opened in the bank?
A: No, there are only resident account managers or securities brokers of securities companies in the bank. They will accompany you to open an account all the way, but you can only open an account when you go back to the sales department of the securities company. Banks are just a channel for securities companies to develop customers. When you find an account manager or securities broker of a securities company in the bank to open an account, they will take you back to the sales department to handle the account opening procedures. If you have to go, you should take photos in the sales department, set the transaction password and sign the form.
Ten: Do you want to go to the business department of a bank or securities company for stock trading?
A: There is no need to go! You can buy and sell stocks on the computer. You can also buy and sell stocks through mobile phone stock trading software! You can trade directly at home anytime, anywhere online.
Eleven: How long does it take to open an account?
A: If you don't queue up, it will take 30 minutes from filling out the form to completing it. It's hard to say how long it will take to get to the sales department! If your account manager tells you that it takes three to five minutes to walk, then you should walk for more than ten minutes. If he says it takes 20 minutes by car, maybe you can't get to the sales department in 60 minutes by car. I won't say much about this, you know! It's too far to go!
What's the difference between an account manager and a securities broker?
A: The account manager has a basic salary and a labor contract! Generally speaking, there is a basic salary in the first few months, and then there is no basic salary. They live entirely on commission.
Twenty-four: Are there any gifts or special services for opening an account?
A: Giving gifts is illegal. But many securities companies will give gifts such as stock trading machines! Wool comes from sheep. The purpose of your stock trading is to make money, not to get gifts! To distinguish the key points!
As for special services, unless you have millions, there may be a sales department to provide special services! Many charging softwares have stock trading tips, so I will provide my clients with software with trading tips for their trading reference. This is a special service! Your special service depends on what your account manager or securities broker provides for you! As long as you feel good.
Thirteen: Will it be cheaper to open an account in the sales department? Will there be agency fees through account managers or securities brokers?
A: Even if you open an account in the sales department yourself, you can't enjoy one-on-one service from the account manager or securities broker. Then you can call customer service or Baidu if you have any questions! Generally, the handling fee for opening an account by yourself is relatively high. For example, Guo Xin Securities is generally three thousandths, China Investment Securities, Guangfa Securities and Galaxy Securities are one thousandth and a half by default, China Merchants Securities is between one thousandth and three thousandths, and Guotai Junan is also between one thousandth and three thousandths. If you ask an account manager or a securities broker to take you to open an account, the commission can be discussed, but it can be less than one thousandth in Shenzhen. Not necessarily in other places. So ... So if you open an account, don't go to the sales department yourself.
Fifteen: How to choose a securities company?
A: Of course, the securities companies are close to your home, and the ones with large scale and low fees are the best! The service is similar, just some short messages such as market analysis, stock recommendation and new share announcement! All securities companies can provide this information! There is no god in the stock market, so these short messages may be of some use to new investors, but they are basically nonsense to old investors! After a long time, you may even think that these are all junk information, which is very annoying! Big securities companies are not necessarily good, and small securities companies are not necessarily bad! As long as the handling fee is reasonable, the service will satisfy you.
Three: How much is the account opening fee?
Shenzhen securities account card 50 yuan, Shanghai securities account card 40 yuan, a * * * 90 yuan. There may be a discount in some places, and 55 yuan is accepted. Or you will give one away, such as opening a Shanghai securities account to send a Shenzhen securities account or opening a Shenzhen securities account to send a Shanghai securities account, so the account opening fee is 40 yuan or 50 yuan; Some cities with a small number of securities companies may charge 90 yuan account opening fees. Shenzhen, Shanghai, Guangzhou, Beijing, Tianjin, Wuhan and other places will no longer charge account opening fees. The account opening fee is paid by the sales department for you, and no money is needed to open an account.
Sixteen: Can I open an account online?
No need. You can make an appointment to open an account online. You need to go to the sales department in person to open an account. If you need to scan the authenticity of your ID card, take photos and set passwords, you must go to the sales department in person! If you have 1 10,000 yuan and want to open an account in another city, you don't have to open an account in that city in person, you just need to open an account in the sales department of the same local securities company. For example, if someone wants to open an account in our sales department, and it is inconvenient for him to come in person, then we can entrust our local sales department to open an account for him! It's just that it's very troublesome to entrust an account. In case the customer stands up, it is a waste of time! (I don't know if I can entrust another securities company to open an account). I suggest you open an account locally!
Twenty: Is it okay to open an account in one place and bind a bank card in another?
A: Yes! You can bind the local bank card, unbind it at the sales department before going abroad, and rebind a new bank card when going abroad.
Twenty-three: What are the fees for buying and selling stocks after opening an account? How much do you charge?
A: According to the Notice on Adjusting the Collection Standards of Securities Trading Commissions, the trading commissions of A-shares, B-shares and securities investment funds will be subject to the ceiling downward floating system from May 1 2002. (Shenzhen) Commissions charged by securities companies to customers (including securities trading supervision fees and stock exchange handling fees, etc.). ), usually called handling fee, Shenzhen charges 0.2 175‰ and Shanghai charges 0. 1875‰, which shall not be higher than 3‰ of the securities transaction amount, nor lower than the securities transaction supervision fee and stock exchange handling fee charged. (Shenzhen) If the commission for each transaction of A-shares and securities investment funds is less than 5 yuan, it will be charged according to 5 yuan; If the commission for each transaction of B shares is less than US$ 65,438 +0 or HK$ 5, it will be charged at US$ 65,438 +0 or HK$ 5. According to the above notice, the stock commission can only fluctuate between 3‰ and 0.265,438+0.75 ‰ in theory. Detailed fees: Shenzhen A shares: commission less than or equal to 3 ‰. Starting point: 5 yuan. (Shenzhen) (that is to say, if you buy very little, and the commission fee generated according to the commission ratio is less than five yuan, you will be charged according to five yuan). The stamp duty in transfer fees is 1‰.
Shanghai A-share: commission less than or equal to 3‰ Starting point: 5 yuan. Stamp duty: Shenzhen 1‰, transfer fees 1‰ (according to the number of shares, it is charged for every 1 0,000 shares, and the minimum charge is 1 yuan).
The starting point of 5 yuan means that the lowest commission for buying and selling stocks is 5 yuan, and this is the lowest price. For example, if you take a taxi, the starting price is within 3km 10 yuan, then if you take one kilometer or two kilometers, less than 3km, you will be charged 10 yuan! With the online trading system, you can check the delivery slip at the transaction end to find out the actual fee charged by the broker, which is the commission divided by your own transaction amount. (Shenzhen) inquire about delivery. The delivery note is very detailed. How much is the commission, handling fee, stamp duty and transfer fees?
Leave if you want! As long as you are satisfied.