1, different service scope
Basic households mainly handle deposit and withdrawal, payroll, payment and settlement, while general households mainly provide financial management services such as settlement and sale of foreign exchange, foreign exchange loans, overseas account agency, and also operate professional services such as risk aversion of group customers.
2. Different deposit and withdrawal amounts
The deposit and withdrawal amount of basic households is relatively low and cannot exceed the prescribed monthly limit. The average family's deposit and withdrawal funds are relatively high, which can exceed the prescribed monthly limit, which is more conducive to the capital investment and liquidity management of corporate customers.
3. Wealth management business is different.
Basic households do not provide wealth management services, but only provide general deposit and withdrawal services. Ordinary households can provide wealth management products, such as time deposits, structured deposits, priority deposits, national debt, and bank wealth management products.
Advantages of ordinary families:
1. Requires classified management of funds within the company. For slightly larger companies, there are many types and uses of incoming and outgoing funds, and different funds are included in special management to facilitate supervision and accounting.
2. It is applicable to the fund settlement of the company's branches. Because of the scattered branches, group companies and chain companies can choose to open a master account in the bank where the branches are located for the needs of fund settlement and management.
3. There is no restriction on the general account, which is convenient for the supervision and management of the central bank and tax authorities.
4. It has a certain protective effect on account funds.
5, enhance the overall image of enterprises, the state supports enterprises to bid for general taxpayers, which is also the future development trend of enterprises. Only with foresight can we lead the team first and let our enterprise develop to a higher level.