1. Company account: In order to meet the needs of enterprises and institutions to borrow from many banks, enterprises can open general deposit accounts in the business institutions of other borrowing banks in addition to basic account.
2. Personal account: A personal bank settlement account is a bank settlement account opened by a natural person with an ID card or corresponding documents for investment, consumption and settlement.
Second, the service methods are different.
1. Company account: The company account is an account handled by the company and cannot be used for credit card consumption.
2. Personal account: Personal account can be used to handle various payment and settlement businesses such as transfer and remittance, credit card consumption, investment loan, etc.
Third, different management methods.
1. Company account: an account opened by a subsidiary non-independent accounting unit that is not located in the same place as depositors in basic deposit account. Enterprises can handle transfer settlement and cash deposit through general deposit accounts, but cannot handle cash withdrawal; The balance of deposits in this course shall not exceed the balance of loans of enterprises and institutions for undergraduate purposes, and the accounts shall be cancelled after the loans are paid off.
2. Personal account: the classified management mechanism of personal bank accounts, that is, on the basis of existing personal bank accounts, the types of bank accounts are added, and personal bank accounts are divided into one, two and three categories (hereinafter referred to as the first, second and third categories respectively), and different types of personal bank accounts have different functions and authorities.
Baidu Encyclopedia-Company General Account
Baidu Encyclopedia-Personal Bank Settlement Account