As a novice in the stock and securities market, does Xiaobai know what opening an account is? What are the procedures and conditions for opening an account? The following is a small series about how to master the concept and process of opening an account, for reference only, welcome to read.
The specific concept of opening an account is
Opening an account refers to the abbreviation of customer opening an account in a bank. Enterprises, institutions and institutions within the territory of China must meet one of the following two conditions when opening relevant accounts in banks: (1) enterprise units that carry out independent economic accounting or independent budget accounting units that prepare financial budgets and final accounts. (2) Having the approval of the superior competent department or the business license issued by the administrative department for industry and commerce. When applying for opening an account, a unit must submit an application for opening an account, a certificate approved by the relevant department (collectively owned enterprises must also submit a license or certificate issued by the administrative department for industry and commerce), and a seal card stamped with the official seal of the unit or the official seal of the accounting department and the name of the person in charge. With the approval of the bank, it will open the relevant account, register the account opening and closing register, compile account numbers, sell various settlement vouchers and handle the deposit and withdrawal of funds. When an individual opens a savings account in a bank, it shall be handled in accordance with the Regulations on Savings Deposits.
Account opening process
That is, investors open securities accounts and capital accounts.
Individual investor: if I go in person, I will provide my ID card, original securities account card and their copies; If it is an agent, it is also necessary to sign a power of attorney with the client at the same time, and provide the original and copy of the agent's ID card.
The securities account is equivalent to the investor's securities passbook, which is used to record the types and quantities of securities held by investors. Any natural person or legal person who meets the statutory requirements can fill in the application form for securities account at the securities registration institution with valid documents, and can receive the securities account card after examination. Capital account is a special capital account opened by investors in securities companies, which is used to store the funds needed by investors to buy stocks and the proceeds from selling stocks. Investors who have opened securities accounts can hold securities accounts, bank passbooks and ID cards to open capital accounts in selected securities companies.
Free stock account opening, banks that can handle tripartite depository are: Industrial and Commercial Bank of China, Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Shenzhen Development Bank, Minsheng Bank, Industrial Bank, China Everbright Bank and Huaxia Bank.
After understanding the risks, we should also pay attention to the fact that there is no guarantee for investors to open securities accounts and capital accounts.
Not all foreign exchange companies can choose, and not all investments can be profitable. So it is very important to prepare or get started. It is very important for beginners to teach themselves.
Handle securities account cards in Shenzhen and Shanghai.
1, Shenzhen securities account card
Investor: It can be handled through the local securities business department or securities registration institution, and you need to provide your valid ID card and a copy. If you entrust another person to act as an agent, you also need to provide the agent's ID card and a copy.
Legal person: handle with business license (and photocopy), power of attorney of legal person, certificate of legal representative and ID card of agent.
Securities investment funds and insurance companies: you need to go directly to Shenzhen Stock Exchange to open an account card.
Account opening fee: individual 50 yuan/each account; Institution 500 yuan/per account.
2. Shanghai Securities Account Card
Investors: You can go to the account-opening agencies of Shanghai Securities Centralized Registration and Clearing Company in various places, go through the relevant procedures for applying for opening a securities account, and bring your valid identity documents and copies.
Legal person: the original or photocopy of the business license of legal person, or the original and photocopy of the legal person registration certificate issued by the civil affairs department and other competent departments are required; The power of attorney of the legal representative and the valid identity certificate of the agent and their copies. 、
Entrust others to do it for you: you must provide the identity certificate of the agent and its copy, and the power of attorney of the client.
Account opening fee: personal paper card 40 yuan, personal magnetic card local 40 yuan/each account, remote 70 yuan/each account; Institution 400 yuan/per account.
Open an account in the securities business department
After handling the Shenzhen-Shanghai securities account card, investors need to open an account in the securities business department before buying and selling securities, mainly at the business counter of the business department of the securities company or the account opening branch of the designated bank, and then they can buy and sell securities.
Opening procedure of securities business department
(1) When an individual opens an account, he/she needs to provide the original and photocopy of his/her ID card and the original and photocopy of Shenzhen and Shanghai securities account cards.
If it is an agent, it is also necessary to sign a power of attorney with the client at the same time, and provide the original and copy of the agent's ID card.
To open an account in a legal person institution: provide the legal person business license and its copy; Certificate of legal representative; Original and photocopy of the securities account card; The original and photocopy of the legal person's power of attorney and the licensee's ID card; Unit reserved seal. To open a B-share account, you must also provide overseas business registration certificate and director's certification documents.
(2) Fill in the account opening information, sign a securities trading entrustment contract (or a securities trading entrustment agreement) with the securities business department, and sign a designated trading agreement at the Shanghai Stock Exchange.
(3) The securities business department opens a capital account for investors.
(4) Investors who need to open the bank-securities transfer business function of the securities business department should pay attention to the instructions on the use of such business functions by the securities business department.
Choose a trading method
When opening an account, investors need to choose their own future trading methods and ways of accessing funds, and sign corresponding account opening procedures and agreements with the securities business department. For example: telephone entrustment, online trading, mobile phone stock trading, bank-securities transfer, etc.
Yinzhengtong opens an account.
You need to go through the relevant formalities in the bank to open the "Bank-Securities Connect".
The steps to open an account are as follows:
1. Opening an account at a bank outlet: Open an account at a bank outlet with my valid ID card, bank passbook with the same name (if not, you can open it on the spot) and Shenzhen-Shanghai shareholder code card.
2. Fill in the form: Fill in the Entrusted Securities Trading Agreement and the Entrusted Silver Securities Agreement.
3. Password setting: After the form is verified, enter the transaction password on site to obtain a copy of the customer's agreement. You can query and entrust transactions.
Can I entrust others to open a stock account?
According to the current rules, an account must be opened in person at the counter of the business department. If an agent is really needed, the power of attorney is only valid if it is notarized by the notary office.
What do you mean by opening an account?
Opening an account usually refers to opening an account in banks, securities companies, e-commerce platforms and other institutions to conduct financial or electronic transactions. The process of opening an account usually requires providing identity documents and other necessary information to verify identity and personal data, such as name, address and contact information.
How to fill in the purpose of opening a bank account?
The purpose of opening an account in a bank is usually to fill in "savings", and different situations are different. You can ask the staff when filling it out, and then fill it out under the guidance of the staff.
Opening a bank account means opening a bank account. Handling savings cards, credit cards and passbooks are all bank accounts, and credit card accounts and savings card accounts do not add up to the number of accounts.
Bank card bank refers to the outlets that handle bank cards. For example, if a user holds a bank card of a branch of ICBC, then the user's bank is a branch of ICBC.