1 thought on “Implementation rules for the implementation rules for the implementation rules for the implementation of the RMB bank settlement account”
Ruth
Article 1 In order to strengthen the management of RMB banking accounts (hereinafter referred to as "bank settlement accounts"), and maintain the stable economic and financial order, the implementation rules for this implementation are formulated in accordance with the "Administrative Measures for Renminbi Bank Settlement Accounts" (hereinafter referred to as the "Measures"). The banks referred to in the "Measures" and the implementation rules of these implementation refers to banking financial institutions that can operate RMB payment and settlement business in accordance with the law within the territory of the People's Republic of China. 3 The People's Bank of China is the supervision and management department of bank settlement accounts. It is responsible for inspection and supervision of the opening, use, change and revocation of bank settlement accounts. It 4 and the People's Bank of China through the RMB bank settlement account management system (hereinafter referred to as the "account management system") and other legitimate means, the opening, use, change, and revocation of bank settlement accounts shall be monitored and managed. 1 5 of the People's Bank of China implemented the approval system for the following units's bank settlement accounts: (1) Basic deposit account; (2) Temporary deposit accounts (for registered capital verification and capital increase and capital verification Except); (3) Special deposit account for budget units; (4) Qualified foreign institutional investors engaged in the special account of RMB and RMB settlement funds opened by securities investment in the country (hereinafter referred to as "QFII Special deposit account "). The above -mentioned bank settlement accounts collectively refer to the approval bank settlement account. This 6 of the "Measures" in the "Measures" all changed to the account opening permit. The account opening permit is the administrative license of the People's Bank of China to the applicant's approved bank settlement account in accordance with the law. The people's Bank of China will issue the basic deposit account account opening license to open basic deposit accounts, temporary deposit accounts (except for registered capital verification and capital increase and capital inspection), budget unit special deposit accounts and QFII special deposit accounts, respectively. , Temporary deposit account account opening permit and special deposit account account opening permit (attached 1). It when the People's Bank of China shall be issued an account opening permit, the following items shall be stated in the account opening permit: (1) the word "account opening permit"; (2) Account license permit Certificate number; (3) Account approval number; (4) Special seal of the account management of local branches of the People's Bank of China; (5) approval date; (6) deposit deposit People name; (7) The name of the legal representative or unit of the depositor; (8) the name of the account opening bank; (9) account nature; (10) account. If the temporary deposit account account opening permit, in addition to the above matters, the validity period of the temporary deposit account should also be recorded. The "Measures" and the "Registration Place" referred to in the implementation rules refer to the place of residence recorded on the account opening certificate document such as the depositor's business license. Article 9 The depositor shall open a bank settlement account with a real name, and is responsible for the authenticity of the substantial content of the application information issued by it, except for laws and administrative regulations. The bank should be responsible for reviewing the authenticity, integrity and compliance of the depositors' account opening application information. The People's Bank of China should be responsible for reviewing the account opening information of the bank settlement account reported by the bank and the uniqueness of the depositor to open the basic deposit account. The foreign (including Hong Kong, Macao and Taiwan regions) institutions who are engaged in operating activities in the country, or temporary activities in different places in different places, shall be approved by the relevant government departments to approve the certification documents of the activity. After approval, the local branch can open a temporary deposit account. Is that if the depositor of the unit needs to open a bank settlement account due to capital increase and capital verification, it shall hold a certification document such as the basic deposit account account opening permit, the shareholders' meeting or the board of directors, and open a temporary deposit account in the bank. The use and withdrawal of the account comparison comparison of temporary deposit account management due to registered capital inspection. Them depositors as temporary institutions can only open a temporary deposit account in its resident, and shall not open other bank settlement accounts. Those depositors are engaged in temporary activities in different places, and they can only open a temporary deposit account in their temporary activities. If construction and installation unit enterprises to build multiple projects at the same time in different places, they can open a temporary deposit account that does not exceed the number of project contracts in accordance with the construction and installation contracts. The "Tax Registration Certificate" referred to in Article 17 The "Measures" refers to the national tax registration certificate or a local tax registration certificate. The taxpayers who are engaged in production and business activities shall not obtain tax registration certificates in accordance with relevant state regulations, and no tax registration certificate may be issued when applying for a basic deposit account. It the same certification documents stipulated by the "Measures" with the same certification documents stipulated in the "Measures" may open a special deposit account. The qualified foreign institutional investors apply for opening QFII special deposit account shall issue certification documents in accordance with Article 20 of the Measures, and no basic deposit account account opening permit is required. rn第十五条自然人除可凭《办法》第二十二条规定的证明文件申请开立个人银行结算账户外，还可凭下列证明文件申请开立个人银行结算账户：r n (1) Chinese citizens living in the country can issue household registration books or passports. (2) The military (armed police) retired cadres and active soldiers studying in military colleges of the PLA may issue a retired cadre honor permit, military officer retirement permit, cultural vocational cadre retirement permit, or military college student certificate. (3) Overseas Chinese who live in or abroad can issue Chinese passports. (4) Foreign border people open a personal bank account in the banks of my country's border areas, which can issue the "Border Mental Entry Permit" issued by the state -owned state. (5) Foreigners who have obtained permanent residence qualifications in China can issue foreigners permanent residence permits. The Article 16 "Measures" Article 23 (1) referred to the "Certificate of Unthined Basic Deposit Accounts" (Affiliated 2) Applicable The following three situations: (((( 1) The registered account management system has been operated, but the operating location has not run the account management system; (2) The account management system has been operated by the operating location, but the account management system has not yet run the account; (((((((( 3) The registered place and the operating place have not run the account management system. . If the seventeenth depositor is the unit, the reserved seal is the signature or seal of the unit's official seal or a financial seal of the financial dedicated to its legal representative (person in charge of the unit) or the agent authorized by it. The depositor is an individual, and its reserved signature seal is the signature or seal of the person. E 18 When the depositor applies for the bank settlement account of the unit, the account name of the bank settlement account, the name of the depositor recorded on the account opening certificate document, and the reserved bank signing seal The name of the official seal or financial seal should be consistent, except for the following situations: (1) Temporary deposit accounts opened by registered capital inspection, and its account name is the "pre -approval notice of corporate name approval by the industrial and commercial administrative department Or the name indicated by the relevant government department's approval, the name of the official seal or financial special seal in the bank signed seal should be the name of the investor and the bank in the bank settlement account management agreement; ( 2) Reserved the name of the official seal or financial seal in the bank's signature can be used for abbreviations according to law, and the account name should be consistent with it; (3) bank settlement accounts opened by individual industrial and commercial households without fonts shall The official seal or financial seal in the signing seal should be the signature or seal of the operator that the business license and the business license. 1 Nineteenth depositors After a depositor to open a temporary deposit account due to registered capital inspection or capital increase, if the funds who need to refund the funds before the expiration of the temporary deposit account will issue a certificate of the industrial and commercial administrative department; After the expiration of the account validity period, the refund procedures. The "Measures" referred to the "filling application form" in Article 27 refers to when the depositor applies for the opening of the unit's bank settlement account, it shall fill in the "Application of the Unit's Bank Settlement Account Account Application Form "(Affiliated 3), and stamped the official seal of the unit. If the depositor has an organizational code or a superior legal person or a competent unit, it shall fill in the relevant information on the "Application of the Unit's Bank Clearing Account". If a depositor has a related company, it shall fill in the "related enterprise registration form" (attached 4). When the depositor applies to open a personal bank settlement account, it shall fill in the "Application of the Personal Bank Settlement Account" (Affiliated 5) and add its personal signing. It after the local branch of the People's Bank of China, the local branch of the People's Bank of China shall print the initial password for the depositor after the depositor opens the basic deposit account and transfer it to the depositor by the account opening bank. The depositors can open accounts for the local branch of the People's Bank of China or the basic deposit account to submit the basic deposit account account opening permit, and use the password to query the relevant information of all bank settlement accounts that have been opened. It 22 The contents of the bank settlement account management agreement signed by the bank and the depositor may be listed in the application form, or the account opening bank and the depositor will agree. It 33 The depositors meet the account opening conditions stipulated in the "Measures" and the rules of the implementation rules, and the bank shall open a bank settlement account for it. Article 24 The specific processing procedure of the "Measures" in Article 36 The "Temporary Deposit Account Exhibition Period" is that when applying for the exhibition period before the expiration of the temporary deposit account, the depositor shall be filled in "(Affiliated 6), stamped with the official seal of the unit, and the relevant certification documents that need to be issued together with the temporary deposit account account opening permit and open the temporary deposit account. The meetings of the exhibition period, the local branch of the People's Bank of China should approve its exhibition period, recover the original temporary deposit account account opening permit, and issue a new temporary deposit account account opening permit. If the exhibition period does not meet the exhibition conditions, the local branch of the People's Bank of China does not approve its application for the exhibition period, and the depositor shall go through the withdrawal procedures for the temporary deposit account in time. The "Measures" "Measures" referred to the "formal opening" specifically refers to: for the approval of the settlement account of the bank, the "official opening date" is the local branch of the People's Bank of China The approved date of the branch; for the bank settlement account of non -nuclear standard units, the date of "official opening" is the date for banks to apply for account opening for banks. It 26 When the depositor re -open the bank settlement account after the bank's business institution withdraws the bank settlement account, the re -opened bank settlement account can handle the payment business from the date of opening. The "Measures" Measures "referred to" one of the following circumstances "referred to" one of the following situations "and in line with" the unit paid by the unit from its bank settlement account to an individual The amount of bank settlement accounts exceeds 50,000 yuan. " The "Measures" Measures "in Article 42" Bank shall carefully review the original basis or receipt of the payment basis in accordance with Article 40 and 41 of Article 41, and retain a copy " It refers to: For the situation stipulated in Article 40 of the Measures, the account opening bank of the unit bank settlement account shall conscientiously review the original basis and retain a copy of the payment; The account opening bank of the settlement account shall carefully review the original basis for receiving the payment and retain a copy. The depositors shall be responsible for the authenticity and legality of the receipt or payment basis they provide. 29. Individuals who hold the ticket (or applicant) are units and one -hand or multi -hander -to -end check -in. If a personal bank's settlement account shall, in accordance with Article 41 of the Measures and Article 28 of the Implementation Rules, the account opening bank will issue the last backhand person as a unit and the recipient of the end. The "prescribed period" referred to Article 44 of the "Measures" refers to the deadline agreed by the bank and the depositor. Article 31 The Measures "Measures" referred to the "Application for the Change of Bank Settlement Accounts" referred to. When the depositor applies for changes in the information change of bank settlement accounts Formula 7). Those who belong to the bank settlement account of the application unit shall be stamped with the official seal of the unit; if it is a personal bank settlement account, it shall add its personal seal. 32 The depositor of the depositor to change the depositor name of the bank settlement account, the legal representative or unit leader, the bank shall be within 2 working days after receiving the application "Application for changing bank settlement accounts", account opening permit, and relevant certification documents are submitted to the local branch of the People's Bank of China. The cases of changing conditions, the local branch of the People's Bank of China approved its application for changing, withdrawn the original account opening permit, and issued a new account opening permit. Those who do not meet the changes, the local branch of the People's Bank of China does not approve its application for changes. It 33 The depositors who revoke the bank settlement account for the reasons of Article 49 (1) and (2) of the Measures, shall be revoked first After transferring the account funds to the basic deposit account, it can only be canceled the basic deposit account. It 34 The depositors who need to re -open the basic deposit account after the basic deposit account is rejected due to the revocation of the basic deposit account due to Article 49 (3) and (4) of the Measures. The basic deposit account applies for re -issuing the basic deposit account within 10 days. When the depositor applies for re -opening the basic deposit account, in addition to issuing relevant certification documents in accordance with Article 17 of the Measures, the "List of Bank Settlement Accounts" (Affiliated 8 "(Affiliated 8" (Affiliated 8 "shall be issued (Affiliated 8" (Affiliated 8 "(Affiliated 8" To. It 35 When the depositor applies to cancel the bank settlement account, the "Cancellation of the Bank's Settlement Account" (Affiliated 9) shall be filled in. Those who belong to the bank settlement account of the application for the cancellation unit shall be stamped with the official seal of the unit; if it belongs to the application for the cancellation of the personal bank's settlement account, it shall add its personal seal. 36 After receiving the application for the depositor to revoke the bank settlement account, a bank shall go through the withdrawal formalities within two working days for those who meet the account sales conditions. The "Measures" Measures "Article 54 referred to the" account opening registration certificate "refers to the depositor shall be returned to the account opening permit when the depositor's withdrawal of the approved bank settlement account. 38 The depositor applies for the exhibition period of the temporary deposit account, changes, revokes the unit's bank settlement account, and the supplementary (replacement) shall be issued permit. Apply. I was directly handled by the legal representative or the person in charge of the unit. In addition to issuing the corresponding certification documents, the identity documents of the legal representative or unit of the unit shall also be issued; , Also issued the identity documents of the legal representative or person in charge of the unit, the author issued by it, and the identity document of the authorized person. It 39. For the bank settlement account that shall be revoked in accordance with the Measures and the Details of the Implementation Rules, the bank shall notify the bank's bank's settlement account to settle the depositor of the bank from the date of the notice of the self -issuance notice of the self -issuance Within 30 days, the account sales procedures are deemed to be voluntarily sold. Article 40 The Local Branch of the People's Bank of China through the connection of the local branch of the account management system with the payment system, the same city bill exchange system and other systems to achieve the comparison of the relevant bank's settlement account information, monitor and investigate and deal with the approval of the People's Bank of China in accordance with the law or not to be directed by the People's Bank of China or not. Bank settlement account filed by the People's Bank of China. The bank institution code in Article 41 The account management system is prepared in accordance with the coding rules prescribed by the People's Bank of China and used to identify the identity of the bank's identity. It is the basic data of the account management system. The people's Bank of China is responsible for the unified management and maintenance of bank institution code information. Banks shall apply for code information to the local branch of the People's Bank of China accurately, complete, and timelyly to the local branch of the People's Bank of China. It 42 The People's Bank of China shall manage the account opening license as an important blank certificate, and establish a sound system for printing, custody, use, issuing, collection and destruction of the account opening license. It 43 When the account opening permit is lost or damaged, the depositor shall fill in the "Application of the Pick (Express) Pay Account License" (Affiliated 10), and stamped with the official seal of the unit, compared with the "Measures" and the "Measures" and the "Measures" and Regulations on the implementation rules of this implementation of the bank settlement account, and apply to the local branch of the People's Bank of China to the local branch of the People's Bank of China through the account of the bank. If you apply for an account opening permit, the depositor shall be returned to the original account opening license. The 44 -unit depositors apply for replacement of reserved seal or special financial seal, and shall issue a written application, the original reserved seal or financial special seal of the account of the account opening bank. Those who apply for a reserved seal or a special chapter of financial seal or financial special seal for replacement or financial seal of the financial seal shall be issued to the account opening bank Proof and other related certification documents. The unit depositors to apply for changes to reserved official seal or special financial seal can be handled directly by the legal representative or person in charge of the unit, or they can also authorize others to handle it. Directly shall be handled by the legal representative or the person in charge of the unit, in addition to issuing the corresponding certification documents, the identity documents of the legal representative or the person in charge of the unit shall be issued; The identity documents of the legal representative or the person in charge of the unit, the author issued by it, and the identity document of the authorized person. The 45 -unit depositors to apply for replacement and reserved personal signs can be handled directly by the legal representative or unit leader, or they may authorize others to handle it. , if the legal representative or the person in charge of the unit is directly handled, the written application stamped with the official seal of the unit and the identity document of the legal representative or the person in charge of the unit shall be issued. I authorized others to handle it, shall issue a written application for the official seal of the unit, the identity document of the legal representative or the person in charge of the unit, and the authorized document of the authorized person. If the identity document of the legal representative or person in charge cannot be issued, a written application stamped with the official seal of the unit, the authorized letter issued by the unit, and the identity document of the authorized person. The 46 depositors should properly keep their passwords. After receiving the initial password for the transferred bank, the depositor should go to the local branch of the People's Bank of China or the opening bank of the local branch of the People's Bank of China or the basic deposit account account for the password change procedures. If the depositor is lost, it shall hold the certification documents and basic deposit account opening permits to be issued when opening an account. Article 47 The various applications referred to in the implementation rules of these implementation may be printed by the bank's application book samples with reference to the implementation of the implementation rules of these implementation. Records. The identity documents referred to in the "Measures" and the implementation rules of these implementation refers to the identity documents stipulated in Article 22 of the Measures and Article 15 of the Implementation Rules. It 49 The implementation rules of these implementation shall be interpreted and modified by the People's Bank of China. The implementation rules of Article 50 shall be implemented from January 31, 2005.
Article 1 In order to strengthen the management of RMB banking accounts (hereinafter referred to as "bank settlement accounts"), and maintain the stable economic and financial order, the implementation rules for this implementation are formulated in accordance with the "Administrative Measures for Renminbi Bank Settlement Accounts" (hereinafter referred to as the "Measures").
The banks referred to in the "Measures" and the implementation rules of these implementation refers to banking financial institutions that can operate RMB payment and settlement business in accordance with the law within the territory of the People's Republic of China.
3 The People's Bank of China is the supervision and management department of bank settlement accounts. It is responsible for inspection and supervision of the opening, use, change and revocation of bank settlement accounts.
It 4 and the People's Bank of China through the RMB bank settlement account management system (hereinafter referred to as the "account management system") and other legitimate means, the opening, use, change, and revocation of bank settlement accounts shall be monitored and managed.
1 5 of the People's Bank of China implemented the approval system for the following units's bank settlement accounts:
(1) Basic deposit account;
(2) Temporary deposit accounts (for registered capital verification and capital increase and capital verification Except);
(3) Special deposit account for budget units;
(4) Qualified foreign institutional investors engaged in the special account of RMB and RMB settlement funds opened by securities investment in the country (hereinafter referred to as "QFII Special deposit account ").
The above -mentioned bank settlement accounts collectively refer to the approval bank settlement account.
This 6 of the "Measures" in the "Measures" all changed to the account opening permit. The account opening permit is the administrative license of the People's Bank of China to the applicant's approved bank settlement account in accordance with the law.
The people's Bank of China will issue the basic deposit account account opening license to open basic deposit accounts, temporary deposit accounts (except for registered capital verification and capital increase and capital inspection), budget unit special deposit accounts and QFII special deposit accounts, respectively. , Temporary deposit account account opening permit and special deposit account account opening permit (attached 1).
It when the People's Bank of China shall be issued an account opening permit, the following items shall be stated in the account opening permit:
(1) the word "account opening permit";
(2) Account license permit Certificate number;
(3) Account approval number;
(4) Special seal of the account management of local branches of the People's Bank of China;
(5) approval date;
(6) deposit deposit People name;
(7) The name of the legal representative or unit of the depositor;
(8) the name of the account opening bank;
(9) account nature;
(10) account.
If the temporary deposit account account opening permit, in addition to the above matters, the validity period of the temporary deposit account should also be recorded.
The "Measures" and the "Registration Place" referred to in the implementation rules refer to the place of residence recorded on the account opening certificate document such as the depositor's business license. Article 9 The depositor shall open a bank settlement account with a real name, and is responsible for the authenticity of the substantial content of the application information issued by it, except for laws and administrative regulations. The bank should be responsible for reviewing the authenticity, integrity and compliance of the depositors' account opening application information. The People's Bank of China should be responsible for reviewing the account opening information of the bank settlement account reported by the bank and the uniqueness of the depositor to open the basic deposit account.
The foreign (including Hong Kong, Macao and Taiwan regions) institutions who are engaged in operating activities in the country, or temporary activities in different places in different places, shall be approved by the relevant government departments to approve the certification documents of the activity. After approval, the local branch can open a temporary deposit account.
Is that if the depositor of the unit needs to open a bank settlement account due to capital increase and capital verification, it shall hold a certification document such as the basic deposit account account opening permit, the shareholders' meeting or the board of directors, and open a temporary deposit account in the bank. The use and withdrawal of the account comparison comparison of temporary deposit account management due to registered capital inspection.
Them depositors as temporary institutions can only open a temporary deposit account in its resident, and shall not open other bank settlement accounts.
Those depositors are engaged in temporary activities in different places, and they can only open a temporary deposit account in their temporary activities.
If construction and installation unit enterprises to build multiple projects at the same time in different places, they can open a temporary deposit account that does not exceed the number of project contracts in accordance with the construction and installation contracts.
The "Tax Registration Certificate" referred to in Article 17 The "Measures" refers to the national tax registration certificate or a local tax registration certificate.
The taxpayers who are engaged in production and business activities shall not obtain tax registration certificates in accordance with relevant state regulations, and no tax registration certificate may be issued when applying for a basic deposit account.
It the same certification documents stipulated by the "Measures" with the same certification documents stipulated in the "Measures" may open a special deposit account.
The qualified foreign institutional investors apply for opening QFII special deposit account shall issue certification documents in accordance with Article 20 of the Measures, and no basic deposit account account opening permit is required. rn第十五条自然人除可凭《办法》第二十二条规定的证明文件申请开立个人银行结算账户外，还可凭下列证明文件申请开立个人银行结算账户：r n (1) Chinese citizens living in the country can issue household registration books or passports.
(2) The military (armed police) retired cadres and active soldiers studying in military colleges of the PLA may issue a retired cadre honor permit, military officer retirement permit, cultural vocational cadre retirement permit, or military college student certificate.
(3) Overseas Chinese who live in or abroad can issue Chinese passports.
(4) Foreign border people open a personal bank account in the banks of my country's border areas, which can issue the "Border Mental Entry Permit" issued by the state -owned state.
(5) Foreigners who have obtained permanent residence qualifications in China can issue foreigners permanent residence permits.
The Article 16 "Measures" Article 23 (1) referred to the "Certificate of Unthined Basic Deposit Accounts" (Affiliated 2) Applicable The following three situations:
(((( 1) The registered account management system has been operated, but the operating location has not run the account management system;
(2) The account management system has been operated by the operating location, but the account management system has not yet run the account;
((((((((
3) The registered place and the operating place have not run the account management system.
. If the seventeenth depositor is the unit, the reserved seal is the signature or seal of the unit's official seal or a financial seal of the financial dedicated to its legal representative (person in charge of the unit) or the agent authorized by it. The depositor is an individual, and its reserved signature seal is the signature or seal of the person.
E 18 When the depositor applies for the bank settlement account of the unit, the account name of the bank settlement account, the name of the depositor recorded on the account opening certificate document, and the reserved bank signing seal The name of the official seal or financial seal should be consistent, except for the following situations:
(1) Temporary deposit accounts opened by registered capital inspection, and its account name is the "pre -approval notice of corporate name approval by the industrial and commercial administrative department Or the name indicated by the relevant government department's approval, the name of the official seal or financial special seal in the bank signed seal should be the name of the investor and the bank in the bank settlement account management agreement;
( 2) Reserved the name of the official seal or financial seal in the bank's signature can be used for abbreviations according to law, and the account name should be consistent with it;
(3) bank settlement accounts opened by individual industrial and commercial households without fonts shall The official seal or financial seal in the signing seal should be the signature or seal of the operator that the business license and the business license.
1 Nineteenth depositors After a depositor to open a temporary deposit account due to registered capital inspection or capital increase, if the funds who need to refund the funds before the expiration of the temporary deposit account will issue a certificate of the industrial and commercial administrative department; After the expiration of the account validity period, the refund procedures.
The "Measures" referred to the "filling application form" in Article 27 refers to when the depositor applies for the opening of the unit's bank settlement account, it shall fill in the "Application of the Unit's Bank Settlement Account Account Application Form "(Affiliated 3), and stamped the official seal of the unit. If the depositor has an organizational code or a superior legal person or a competent unit, it shall fill in the relevant information on the "Application of the Unit's Bank Clearing Account". If a depositor has a related company, it shall fill in the "related enterprise registration form" (attached 4). When the depositor applies to open a personal bank settlement account, it shall fill in the "Application of the Personal Bank Settlement Account" (Affiliated 5) and add its personal signing.
It after the local branch of the People's Bank of China, the local branch of the People's Bank of China shall print the initial password for the depositor after the depositor opens the basic deposit account and transfer it to the depositor by the account opening bank.
The depositors can open accounts for the local branch of the People's Bank of China or the basic deposit account to submit the basic deposit account account opening permit, and use the password to query the relevant information of all bank settlement accounts that have been opened.
It 22 The contents of the bank settlement account management agreement signed by the bank and the depositor may be listed in the application form, or the account opening bank and the depositor will agree.
It 33 The depositors meet the account opening conditions stipulated in the "Measures" and the rules of the implementation rules, and the bank shall open a bank settlement account for it. Article 24 The specific processing procedure of the "Measures" in Article 36 The "Temporary Deposit Account Exhibition Period" is that when applying for the exhibition period before the expiration of the temporary deposit account, the depositor shall be filled in "(Affiliated 6), stamped with the official seal of the unit, and the relevant certification documents that need to be issued together with the temporary deposit account account opening permit and open the temporary deposit account.
The meetings of the exhibition period, the local branch of the People's Bank of China should approve its exhibition period, recover the original temporary deposit account account opening permit, and issue a new temporary deposit account account opening permit. If the exhibition period does not meet the exhibition conditions, the local branch of the People's Bank of China does not approve its application for the exhibition period, and the depositor shall go through the withdrawal procedures for the temporary deposit account in time.
The "Measures" "Measures" referred to the "formal opening" specifically refers to: for the approval of the settlement account of the bank, the "official opening date" is the local branch of the People's Bank of China The approved date of the branch; for the bank settlement account of non -nuclear standard units, the date of "official opening" is the date for banks to apply for account opening for banks.
It 26 When the depositor re -open the bank settlement account after the bank's business institution withdraws the bank settlement account, the re -opened bank settlement account can handle the payment business from the date of opening.
The "Measures" Measures "referred to" one of the following circumstances "referred to" one of the following situations "and in line with" the unit paid by the unit from its bank settlement account to an individual The amount of bank settlement accounts exceeds 50,000 yuan. "
The "Measures" Measures "in Article 42" Bank shall carefully review the original basis or receipt of the payment basis in accordance with Article 40 and 41 of Article 41, and retain a copy " It refers to: For the situation stipulated in Article 40 of the Measures, the account opening bank of the unit bank settlement account shall conscientiously review the original basis and retain a copy of the payment; The account opening bank of the settlement account shall carefully review the original basis for receiving the payment and retain a copy.
The depositors shall be responsible for the authenticity and legality of the receipt or payment basis they provide.
29. Individuals who hold the ticket (or applicant) are units and one -hand or multi -hander -to -end check -in. If a personal bank's settlement account shall, in accordance with Article 41 of the Measures and Article 28 of the Implementation Rules, the account opening bank will issue the last backhand person as a unit and the recipient of the end.
The "prescribed period" referred to Article 44 of the "Measures" refers to the deadline agreed by the bank and the depositor. Article 31 The Measures "Measures" referred to the "Application for the Change of Bank Settlement Accounts" referred to. When the depositor applies for changes in the information change of bank settlement accounts Formula 7). Those who belong to the bank settlement account of the application unit shall be stamped with the official seal of the unit; if it is a personal bank settlement account, it shall add its personal seal.
32 The depositor of the depositor to change the depositor name of the bank settlement account, the legal representative or unit leader, the bank shall be within 2 working days after receiving the application "Application for changing bank settlement accounts", account opening permit, and relevant certification documents are submitted to the local branch of the People's Bank of China.
The cases of changing conditions, the local branch of the People's Bank of China approved its application for changing, withdrawn the original account opening permit, and issued a new account opening permit. Those who do not meet the changes, the local branch of the People's Bank of China does not approve its application for changes.
It 33 The depositors who revoke the bank settlement account for the reasons of Article 49 (1) and (2) of the Measures, shall be revoked first After transferring the account funds to the basic deposit account, it can only be canceled the basic deposit account.
It 34 The depositors who need to re -open the basic deposit account after the basic deposit account is rejected due to the revocation of the basic deposit account due to Article 49 (3) and (4) of the Measures. The basic deposit account applies for re -issuing the basic deposit account within 10 days.
When the depositor applies for re -opening the basic deposit account, in addition to issuing relevant certification documents in accordance with Article 17 of the Measures, the "List of Bank Settlement Accounts" (Affiliated 8 "(Affiliated 8" (Affiliated 8 "shall be issued (Affiliated 8" (Affiliated 8 "(Affiliated 8" To.
It 35 When the depositor applies to cancel the bank settlement account, the "Cancellation of the Bank's Settlement Account" (Affiliated 9) shall be filled in. Those who belong to the bank settlement account of the application for the cancellation unit shall be stamped with the official seal of the unit; if it belongs to the application for the cancellation of the personal bank's settlement account, it shall add its personal seal.
36 After receiving the application for the depositor to revoke the bank settlement account, a bank shall go through the withdrawal formalities within two working days for those who meet the account sales conditions.
The "Measures" Measures "Article 54 referred to the" account opening registration certificate "refers to the depositor shall be returned to the account opening permit when the depositor's withdrawal of the approved bank settlement account.
38 The depositor applies for the exhibition period of the temporary deposit account, changes, revokes the unit's bank settlement account, and the supplementary (replacement) shall be issued permit. Apply.
I was directly handled by the legal representative or the person in charge of the unit. In addition to issuing the corresponding certification documents, the identity documents of the legal representative or unit of the unit shall also be issued; , Also issued the identity documents of the legal representative or person in charge of the unit, the author issued by it, and the identity document of the authorized person.
It 39. For the bank settlement account that shall be revoked in accordance with the Measures and the Details of the Implementation Rules, the bank shall notify the bank's bank's settlement account to settle the depositor of the bank from the date of the notice of the self -issuance notice of the self -issuance Within 30 days, the account sales procedures are deemed to be voluntarily sold. Article 40 The Local Branch of the People's Bank of China through the connection of the local branch of the account management system with the payment system, the same city bill exchange system and other systems to achieve the comparison of the relevant bank's settlement account information, monitor and investigate and deal with the approval of the People's Bank of China in accordance with the law or not to be directed by the People's Bank of China or not. Bank settlement account filed by the People's Bank of China.
The bank institution code in Article 41 The account management system is prepared in accordance with the coding rules prescribed by the People's Bank of China and used to identify the identity of the bank's identity. It is the basic data of the account management system.
The people's Bank of China is responsible for the unified management and maintenance of bank institution code information. Banks shall apply for code information to the local branch of the People's Bank of China accurately, complete, and timelyly to the local branch of the People's Bank of China.
It 42 The People's Bank of China shall manage the account opening license as an important blank certificate, and establish a sound system for printing, custody, use, issuing, collection and destruction of the account opening license.
It 43 When the account opening permit is lost or damaged, the depositor shall fill in the "Application of the Pick (Express) Pay Account License" (Affiliated 10), and stamped with the official seal of the unit, compared with the "Measures" and the "Measures" and the "Measures" and Regulations on the implementation rules of this implementation of the bank settlement account, and apply to the local branch of the People's Bank of China to the local branch of the People's Bank of China through the account of the bank. If you apply for an account opening permit, the depositor shall be returned to the original account opening license.
The 44 -unit depositors apply for replacement of reserved seal or special financial seal, and shall issue a written application, the original reserved seal or financial special seal of the account of the account opening bank.
Those who apply for a reserved seal or a special chapter of financial seal or financial special seal for replacement or financial seal of the financial seal shall be issued to the account opening bank Proof and other related certification documents.
The unit depositors to apply for changes to reserved official seal or special financial seal can be handled directly by the legal representative or person in charge of the unit, or they can also authorize others to handle it. Directly shall be handled by the legal representative or the person in charge of the unit, in addition to issuing the corresponding certification documents, the identity documents of the legal representative or the person in charge of the unit shall be issued; The identity documents of the legal representative or the person in charge of the unit, the author issued by it, and the identity document of the authorized person.
The 45 -unit depositors to apply for replacement and reserved personal signs can be handled directly by the legal representative or unit leader, or they may authorize others to handle it.
, if the legal representative or the person in charge of the unit is directly handled, the written application stamped with the official seal of the unit and the identity document of the legal representative or the person in charge of the unit shall be issued.
I authorized others to handle it, shall issue a written application for the official seal of the unit, the identity document of the legal representative or the person in charge of the unit, and the authorized document of the authorized person. If the identity document of the legal representative or person in charge cannot be issued, a written application stamped with the official seal of the unit, the authorized letter issued by the unit, and the identity document of the authorized person.
The 46 depositors should properly keep their passwords. After receiving the initial password for the transferred bank, the depositor should go to the local branch of the People's Bank of China or the opening bank of the local branch of the People's Bank of China or the basic deposit account account for the password change procedures.
If the depositor is lost, it shall hold the certification documents and basic deposit account opening permits to be issued when opening an account. Article 47 The various applications referred to in the implementation rules of these implementation may be printed by the bank's application book samples with reference to the implementation of the implementation rules of these implementation. Records.
The identity documents referred to in the "Measures" and the implementation rules of these implementation refers to the identity documents stipulated in Article 22 of the Measures and Article 15 of the Implementation Rules.
It 49 The implementation rules of these implementation shall be interpreted and modified by the People's Bank of China.
The implementation rules of Article 50 shall be implemented from January 31, 2005.