The company account can effectively improve the efficiency of the company's capital operation and is conducive to the settlement of funds. When collecting sales money, it can be directly credited to the enterprise account, which is conducive to applying for loans. If the company needs a loan, the bank will ask for the company's settlement amount. If it is cash, it is not allowed. All you need is a record. The disadvantage is that users will be more troublesome to deposit and withdraw money. Fill in a cash payment form for deposits, and write a check and stamp for withdrawals.
It is very necessary for a company to handle its accounts. Whether it is handling transfer settlement or financial activities such as cash receipt and payment, it is necessary to handle such a company account, which is one of the conditions to ensure the company's development. If there is no company account, all the funds will be credited to shareholders' personal accounts, so it is convenient for some people to do something from it.
have both pros and cons
However, this kind of operation is very risky, and if there is no enterprise account, the tax cannot be deducted, and it is easy for the tax bureau to suspect tax evasion. And now many customers' fund transactions are generally operated through company accounts. After all, the details of funds are clearer, and if there is a corporate account, corporate loans will be more convenient.
If there is no enterprise account, banks are not allowed to exchange funds only in cash when lending. If there is a running record, there will be a higher possibility of lending. Therefore, if a company or enterprise doesn't even have a corporate account, it's hard to convince people. Whether banks or customers want long-term cooperation, they must weigh the pros and cons. However, there are also some drawbacks to public accounts, such as high account opening cost and troublesome deposit and withdrawal.