Article 11

Basic deposit account is a bank settlement account that depositors need to open for daily transfer settlement and cash receipt and payment. The following depositors may apply for opening a basic deposit account:

(1) Enterprise legal person.

(2) an unincorporated enterprise.

(3) institutions.

(4) Decentralizing units at or above the regimental level, armed police forces and arms (detachments) on duty.

(5) social organizations.

(6) Private non-enterprise organizations.

(7) permanent institutions in different places.

(8) Foreign institutions in China.

(9) Individual industrial and commercial households.

(10) Residents' committees, villagers' committees and community committees.

(eleven) the independent accounting subsidiary established by the unit.

(12) Other organizations.

Article 17

When applying for opening a basic deposit account, depositors shall present the following documents to the bank:

(1) An enterprise as a legal person shall issue the original business license of the enterprise as a legal person.

(2) For an unincorporated enterprise, the original business license of the enterprise shall be issued.

(three) the organs and institutions that implement budget management issue the approval or registration certificate of the government personnel department or the organization establishment Committee and the certificate that the financial department agrees to open an account; Non-budget management institutions shall issue the approval or registration certificate of the government personnel department or the establishment Committee.

(4) Units above the regimental level of the army and the armed police, as well as divisions (detachments) delegated to duty, shall be issued with account opening certificates by the financial departments of units above the regimental level of the army and the armed police corps.

(five) social organizations, social organizations should be issued by the registration certificate, religious organizations should also be issued by the administrative department of religious affairs approval or proof.

(6) Private non-enterprise organizations shall issue private non-enterprise registration certificates.

(seven) the permanent establishment in the field shall issue the approval of the local government department.

(eight) foreign institutions in China, should be issued by the relevant competent departments of the state approval or proof; The representative offices and offices of foreign-capital enterprises in China shall hold the registration certificates issued by the state registration authorities.

(nine) individual industrial and commercial households, should issue the original business license of individual industrial and commercial households.

(ten) the residents' committee, villagers' committee and community committee shall issue the approval or certificate of their competent departments.

(eleven) independent accounting subsidiary, should be issued by the competent department of basic deposit account account registration certificate and approval.

(twelve) other organizations shall issue the approval or certificate of the competent government department.

If the depositors in this article are taxpayers engaged in production and business activities, they shall also issue tax registration certificates issued by the tax authorities.

Extended data:

According to the Measures for the Administration of RMB Bank Settlement Accounts:

Article 25

Where a bank opens a general deposit account, a special deposit account or a temporary deposit account for depositors, it shall notify the basic deposit account bank in writing within 3 working days from the date of opening the account.

Article 26

When a depositor applies to open a unit bank settlement account, it can be handled directly by the legal representative or the person in charge of the unit, or it can be entrusted to others.

Directly handled by the legal representative or the person in charge of the unit, in addition to the corresponding supporting documents, the identity certificate of the legal representative or the person in charge of the unit shall also be issued; If it entrusts others to handle it, in addition to the corresponding supporting documents, it shall also issue the power of attorney of its legal representative or person in charge of the unit and its identity certificate, as well as the identity certificate of the authorized person.

Article 27

When a depositor applies for opening a bank settlement account, he shall fill in the application form for opening an account. The application for opening an account shall record relevant matters in accordance with the provisions of the People's Bank of China.

Article 28

Banks should carefully examine the authenticity, completeness and compliance of the items and supporting documents filled in the depositor's application for opening an account.

If the application for account opening is complete and meets the requirements for opening basic deposit account, temporary deposit accounts and special deposit accounts for budget units, the bank shall submit the depositor's application for account opening, relevant supporting documents and bank audit opinions and other account opening materials to the local branch of the People's Bank of China, and go through the account opening procedures after approval.

In line with the conditions for opening general deposit accounts, other special deposit accounts and personal bank settlement accounts, the bank shall handle the account opening procedures within 5 working days from the date of opening the account and file with the local branch of the People's Bank of China.

Article 29

The People's Bank of China shall, within 2 working days, review the compliance of the opening data of basic deposit account, temporary deposit account and special deposit account of budget unit submitted by the bank, and approve those that meet the opening conditions; If it does not meet the requirements for opening an account, it shall sign an opinion on the application for opening an account and return it to the bank together with relevant supporting documents.

Article 30

When a bank opens a bank settlement account for a depositor, it shall sign a bank settlement account management agreement with the depositor to clarify the rights and obligations of both parties. Unless otherwise stipulated by the People's Bank of China, a special seal card for depositors shall be set up, and the original or photocopy of the seal pattern and relevant supporting documents shall be kept for future reference.

Article 31

The account opening registration certificate is an effective proof to record the company's bank settlement account information. Depositors shall use them in accordance with the provisions of these Measures and keep them properly.

Article 32

When a bank opens a general deposit account, a special deposit account and a temporary deposit account for depositors, it shall register the account name, account number, account nature, opening bank and opening date, and sign its basic deposit account account opening registration certificate. Except for temporary institutions and temporary deposit accounts that need to be opened for capital verification of registered capital.

Baidu Encyclopedia-Measures for the Administration of RMB Bank Settlement Accounts