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.

The bank accounts are divided into basic deposit account, general deposit account, temporary deposit account and special deposit account. The above accounts have different settings and account opening conditions.

According to the regulations on bank account management, the management of bank accounts is governed by the following basic principles: (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) the principle of voluntary choice.

That is to say, depositors can eat their own money, and they will be able to kill their friends. H Wei Yu can't help them. They are afraid to hire a little more. They will tear away the riddle of the zigzara, br> (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.