Sometimes when an enterprise applies for a bank loan, the funds generally go directly into the corporate account of the enterprise.

The only way to withdraw money from the company account is through basic deposit account. General accounts belong to deposit accounts, which can only deposit money, but can't withdraw money.

1. You can open a legal person account and transfer funds from the legal person account to the legal person personal account in the name of petty cash and labor dispatch;

2. Withdraw funds in the form of reimbursement, and purchase cash checks from corporate accounts, which are mainly used for reimbursement of corporate activities and employees' official expenses. After you fill in the check and affix the official seal and financial seal, you can withdraw money from the bank with the check.

1. Company accounts are divided into four categories: basic deposit account, general accounts, temporary accounts and special accounts. Among them, one unit in basic account can only open one. For example, a company can open multiple ordinary accounts according to business needs, and the number is unlimited.

2. China People's Bank Account Management Regulations: An enterprise can only open one basic account, but it can open multiple general accounts. If another account can be withdrawn, and the investor has certain special purposes, then you can apply for a special account in the bank.

3. basic deposit account is the main account for transfer settlement and cash receipt and payment, and the fund receipt and payment of daily business activities and the withdrawal of wages, bonuses and cash can be handled through this account. A depositor can only open a basic deposit account in a bank. Opening a basic deposit account is a prerequisite for opening other bank settlement accounts. According to the Regulations on the Administration of RMB Bank Settlement Accounts, an organization can only choose one bank to apply for opening a basic deposit account.

4. From the perspective of account organization system, on the one hand, banks should collect their assets and liabilities under personal basic account for unified management according to customer requirements. With personal basic account and payment code, customers can handle all kinds of personal deposit and withdrawal business, personal loan business, personal investment and wealth management business, etc. At the same time, banks should also provide customers with information, statistical reports and preferential services according to their needs.

What is a corporate loan?

Corporate loans are also called corporate banking.

The corporate business of the bank includes enterprise electronic banking, unit deposit business, credit business, institutional business, international business, entrusted housing finance, fund settlement, intermediary business, asset recommendation, fund custody and so on. , also known as "corporate business".

The most basic departments of banks are savings, accounting and credit. Accounting can be said to be the backstage and service department of credit, and it is the deposit and loan business of units, which is a bit like the sales department of general companies. All business dealings between these units and banks are realized through the accounting department. Specifically, the company's business focuses on customers such as corporate legal persons and units, and conducts various businesses such as checks, remittances and loans around corporate deposit accounts.

Extended data:

The risks of the Bank's corporate business are as follows:

1. The commercial banks in China are not fully aware of the risks of bank loans. They pay too much attention to scale, but they don't fully understand the quality of assets.

2. The loan ratio is too high. Loans account for about 75% of bank assets, and generally do not exceed 50% abroad.

3. The loan concentration is too high. At present, the loans of China's commercial banks are mainly concentrated in big cities, large projects, large enterprises, or listed companies and monopoly enterprises. About 80% of the loans of the four state-owned commercial banks are concentrated in state-owned enterprises, but their output value only accounts for 30% of the total industrial added value. In the process of enterprise transformation and formation, "matrix fission", "golden cicada shelling" and bankruptcy have increased the credit risk of banks.

4. Non-performing loans remain high. A large number of non-performing loans of commercial banks in China have seriously affected their normal operation and development. Although the state has given a series of policies such as write-off, divestiture and debt-to-equity swap in recent years, some positive changes have taken place in non-performing loans, but the phenomenon of non-performing loans being cleared first and then increased is still relatively common.

5. The loan "three checks" system can not be strictly implemented, the risk responsibility mechanism is not perfect, the responsibility and rights are asymmetric, the loan indicators are blindly issued, and the mortgage loan is not standardized, so it is difficult for banks to enforce the mortgage right.