Bank Account And Its Management Principles

There is a prerequisite for the pfer of accounts through banks, that is, an account must be opened to the bank.

Bank accounts are the accounts opened by banks for settling accounts and applying for loans. They are also tools for entrusting banks to handle credit and pfer accounts and cash receipts and payments. They have the function of monitoring and reflecting the activities of departments and units of the national economy.

Bank accounts are divided into basic deposit accounts, general deposit accounts, temporary deposit accounts and special deposit accounts. All these accounts have different settings and conditions for opening accounts.

In accordance with the provisions on the management of bank accounts, the following principles shall be observed in the management of bank accounts:

(1) a basic account principle.

That is to say, depositors can only open a basic deposit account in a bank, and can not open a basic deposit account.

A depositor opens a basic deposit account in a bank and implements a permit system for issuing an account by a local branch of the people's Bank of China.

(2) voluntary selection principle.

That is to say, depositors can enjoy the right food, and they will be able to sell their seeds. "H Wei Yu is slow," he said. "Do you want to hire someone?"

(3) the principle of deposit secrecy.

That is, banks must protect the depositors' rights in accordance with the law and safeguard the depositors' right of autonomy.

Except for the state laws and the supervision items of the people's Bank of China General Office authorized by the State Council, banks do not inquire, freeze or deduct deposits from depositors' accounts on behalf of any unit or individual.