After obtaining the business license and engraving the official seal, the company can open an account in the bank and open a bank settlement account. According to the relevant regulations of China People's Bank on the management of settlement accounts, each company can only open one basic deposit account for withdrawing cash and daily settlement funds, and other general accounts can be opened according to business needs.
1. Information to be prepared for opening an account
1) copy of business license and its copy;
2) Organization code certificate and its copy;
3) A copy of the legal representative's ID card;
4) The non-legal representative who keeps the seal shall sign the corresponding power of attorney;
5) Official seal, special financial seal and reserved seal;
6) Copy of the ID card of the agent (generally required by ICBC);
7) Copy of company tax registration certificate (including national tax and local tax) (generally required by China Merchants Bank);
8) House lease agreement (generally required by basic bank);
9) Other required supporting documents.
2. Check the purchase procedures.
1) manager photo;
2) Copy of the ID card of the agent (generally required by ICBC);
3) Set the account opening password (usually required by ICBC).
Step 3 Buy and receive checks
1) cheque book (photo of the manager and copy of ID card)
2) Account Opening Permit (ICBC)
3) Reserve the bank seal, and fill in the list of the handling fee and production fee at that time (first get it back from the bank, fill it out and stamp it when purchasing, then take it to the bank, transfer the cheque to 30 yuan, and cash the cheque to 20 yuan, and pay it directly from the bank).
Step 4 fill in a check
1) Year, month and day must be capitalized in Chinese, and the month and day are single digits, with zeros in front. Write "10" on 10 or10;
2) Number case: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 100, 100,/billion;
3) The payee must fill in the full name;
4) You can limit the maximum amount of a check.
Step 5 handle telephone inquiries
1) sign a telephone inquiry agreement;
2) Set the query password.
(2) Handling foreign exchange registration certificates and opening foreign currency capital accounts with currency settlement accounts.
1. Information required for handling foreign exchange registration certificate:
1) written application (including basic information of the enterprise, name of the bank to be opened, etc. And stamped with the official seal);
2) Copy of business license (unincorporated business license provided by overseas unincorporated enterprises);
(3) the documents approved by the foreign trade department for the establishment of the enterprise;
4) the approval certificate issued by the foreign trade department;
5) Approved joint venture contract and articles of association (articles of association are only required for wholly-owned enterprises);
6) enterprise organization code certificate;
7) Official seal of the enterprise;
8) In addition to the above materials, other materials that need to be supplemented as appropriate.
(Except for items 1 and 7, the above materials shall be accompanied by originals and photocopies, and the photocopies shall be stamped with the official seal of the enterprise to confirm that they are consistent with the original contents. After inspection, the original should be returned and the copy should be kept. )
2. Information required for handling capital accounts:
1) written application (including basic information of the enterprise, reasons for opening an account, bank to be opened, etc.). And stamped with the official seal);
2) Official seal of the enterprise;
3) foreign exchange registration certificate;
4) In addition to the above materials, other materials that need to be supplemented as appropriate.
(Except for items 1 and 2, the above materials shall be accompanied by originals and photocopies, and the photocopies shall be stamped with the official seal of the enterprise to confirm that they are consistent with the original contents. After inspection, the management department shall return the original and keep a copy. )
Upon completion, the approval document of the State Administration of Foreign Exchange for capital account foreign exchange business shall be issued in triplicate, and a bank account shall be opened within 7 days.
3. The following materials shall be provided for handling currency settlement account:
1) application for opening an account (including basic information of the enterprise, scope of foreign exchange receipts and payments, opening bank, account currency, account limit, etc.). And stamped with the official seal);
2) Official seal of the enterprise;
3) foreign exchange registration certificate;
4) proof of current account foreign exchange income;
5) In addition to the above materials, other materials that need to be supplemented as appropriate.
(Except for items 1 and 2, the above materials shall be accompanied by originals and photocopies, and the photocopies shall be stamped with the official seal of the enterprise to confirm that they are consistent with the original contents. After inspection, the management department shall return the original and keep a copy. )
4. Materials to be prepared for foreign currency capital account settlement.
1) foreign exchange registration certificate;
2) Business license;
3) Business contract;
4) The settlement of capital has been directly handled by the bank authorized by SAFE, and no special approval is needed, which can be completed in two working days.
5, foreign debt special account settlement
1) foreign exchange registration certificate;
2) Business license;
3) Business contract;
(four) the approval documents of the foreign exchange bureau;
Obtain foreign exchange settlement from the State Administration of Foreign Exchange ..... >>
Question 2: What information do I need to open a company account? Corporate identity card, business license, organization code certificate and tax registration certificate. If you want to open an ordinary account, you need an account opening permit. Most importantly, don't forget to bring the official seal, financial seal and legal person seal.
Question 3: What information do I need to bring to the bank to handle the enterprise account? Business license, tax registration certificate and organization code certificate are limited to the originals. It would be nice if the three-in-one enterprise only got the business license.
Legal person ID card.
Official seal of the company, with bank seal reserved (financial seal, legal person seal or financial person in charge seal).
Official letter of the unit.
If the illegal personnel handle it in person, they need the ID card of the agent and the power of attorney of the legal person.
Banks need to keep copies of the above information, and general banks will provide copies.
Question 4: What materials do enterprises need to prepare to open enterprise accounts? It is understood that when an enterprise opens an enterprise account, it needs to prepare the following basic materials:
1, copy of business license and its copy;
2. Organization code certificate and its copy;
3. A copy of the ID card of the legal representative;
4. The non-legal representative who keeps the seal shall sign the corresponding power of attorney;
5. Official seal, special financial seal and reserved seal;
6. Copy of the agent's ID card (generally required by ICBC);
7. Copy of company tax registration certificate (including national tax and local tax) (generally required by China Merchants Bank);
8. Documents required by the bank.
Question 5: What are the requirements for opening a company account? According to the Measures for the Administration of Bank Accounts, bank accounts are divided into basic account, general deposit accounts, temporary deposit accounts and special deposit accounts, with different settings and account opening conditions.
What are the basic principles of bank account management?
According to the Measures for the Administration of Bank Accounts, the management of bank accounts follows the following basic principles:
(1) A basic accounting principle. That is, depositors can only open one basic account in a bank, and cannot open multiple basic account. When depositors open basic account in banks, the system of issuing account opening licenses by local branches of the People's Bank of China shall be implemented.
(2) The principle of voluntary choice. That is, depositors can choose their own bank accounts, and banks can also choose depositors to open accounts voluntarily. No unit or individual may forcibly interfere with depositors and banks in opening or using accounts.
(3) The principle of deposit confidentiality. In other words, banks must keep depositors confidential according to law and maintain the independent control of depositors' funds. The Bank does not inquire, freeze or deduct the deposits in depositors' accounts on behalf of any unit or individual, except for the projects supervised by the Head Office of the People's Bank of China authorized by national laws and the State Council.
How to open a basic account?
Basic account refers to the account where depositors handle daily transfer settlement and cash receipt and payment. Cash withdrawal of depositors' wages, bonuses and other cash can only be handled through this account.
(1) basic account party qualification
According to the provisions of the Measures for the Administration of Bank Accounts, the following depositors can apply to open a basic account: ① an enterprise legal person; (2) Units that are accounted for separately within an enterprise as a legal person; (3) The financial department in charge of budgetary funds and extra-budgetary funds; (four) the administrative organs and institutions that implement financial management; ⑤ Army and Armed Police Force at or above the county level; ⑥ Foreign institutions in China; ⑦ Social groups; 8. Canteen, guest house and kindergarten attached to the unit; Pet-name ruby field permanent institutions; Attending private enterprises, individual economic households, contractors and individuals.
(2) Certification documents required for opening a basic account.
When a depositor applies to open a basic account, he shall submit one of the following documents to the bank where the account is opened: ① Business License for Enterprise as a Legal Person or Business License issued by the local administrative department for industry and commerce; (2) the approval of the central or local organization establishment committee, personnel and civil affairs departments; (3) the account opening certificate of the financial department of the unit above the Armed Police Corps; (4) proof that the unit agrees to open an account in a subsidiary; (five) the competent department of the permanent office approved the establishment of a permanent office in the field; 6. The contract agreement signed by both parties; ⑦ Personal ID card and household register.
(3) Procedures for opening a basic account.
When a depositor applies to open a basic account, he/she shall fill in the application form for opening an account (see Table 2- 1) and provide the required documents (Table 2-2). Send the seal card with the depositor's seal (Table 2-3), and you can open an account with the approval of the bank and the account opening permit issued by the local branch of the People's Bank of China.
What needs special explanation is that the account name filled in the seal card must be consistent with the name of the unit, and at the same time, the official seal of the account opening unit, the person in charge of the unit or the person in charge of the financial institution and the cashier should be stamped. It is a legally binding payment basis agreed by the unit and the bank in advance. When the bank handles the settlement business for the company, it will check the authenticity of the payment voucher with the seal reserved by the account opening unit on the seal card. If the seal stamped on the payment voucher is inconsistent with the reserved seal, the bank may refuse to handle the payment business to ensure the safety of the account opening unit's funds.
Question 6: What about WeChat official account? What documents do you need? 1. Enterprises or merchants need to go to neighboring commercial banks with their business licenses, tax registration certificates and original corporate identity cards;
2. If the merchant is a company legal person, another organization code certificate is required;
3, the above documents in duplicate, A4 paper, clear handwriting;
4. Hold the official seal, special financial seal and company seal.
Question 7: What materials do you need to apply for an enterprise account? How long does it take to open a company account? Generally speaking, it is the company basic deposit account, which was opened when the company was registered. A company can only open one basic deposit account, and basic deposit account is the only depositor with access to cash. Besides cash, you can also handle business such as transfer and remittance. It can be said that this account is the universal depositor of the company.
How to open a company account (basic deposit account)?
1, Shenzhen Company needs a legal person to open a basic deposit account in person.
2. All information to be carried:
(1) Original and photocopy of new business license
(2) Official seal, financial seal and legal person seal;
(3) Legal person ID card (original);
(4) If you need to apply for online banking and want to open more online banking, you can bring the original ID card of another colleague of the company. The information required by each bank may be different. Please consult the bank staff for details. What is the annual fee of the bank? The annual fee of each bank and each district is different. ?
3. Because the materials have to be submitted to the People's Bank for review, it will take about 15-20 working days to open an account.
Question 8: What information does an enterprise account need for online banking? What information do you need for online banking?
(1) Valid identity documents of agents and legal persons;
(2) The original and photocopy of the business license or relevant approval documents of the unit;
(3) Organization code certificate of the enterprise;
(4) basic or general account opening license;
(5) the power of attorney of the legal person, that is, the written entrustment handled by the authorized agent of the legal person;
(6) The valid identity certificate of the online banking operator; Bring the official seal of the unit.
The company account refers to:
(1) Company accounts are divided into basic deposit account, general accounts, temporary accounts and special accounts. Among them, a company can only open one basic deposit account. (2) Others, such as ordinary accounts, a company can open multiple accounts according to business needs, and the number is not limited.
(3) Regulations of China People's Bank on Account Management: An enterprise can only open one basic deposit account, but it can open multiple general accounts. If another account can be withdrawn, and the investor has a certain special purpose, then you can apply for a special account in the bank or withdraw money.
Question 9: How to handle an enterprise account? Hello, if you have a business license for individual industrial and commercial households, you need to open a company in basic deposit account: business license, tax registration certificate, organization code certificate and legal person ID card. You can open an account only after you fill out the application form for opening an account in the bank and report it to PBOC for approval.
Question 10: What documents do I need to provide to open a general company account in a bank? Business license and its photocopy, organization code certificate and its photocopy, account opening permit and its photocopy, tax registration certificate and its photocopy (national tax and local tax), legal person ID card and its photocopy, and the handling personnel shall carry the power of attorney issued by the company (if it proves that the company is authorized, the name of the handling personnel shall be indicated), the authorized person ID card and its photocopy, and the application for opening an account. Are stamped with official seals