According to purpose, unit bank settlement accounts are divided into basic deposit accounts, general deposit accounts, special deposit accounts and temporary deposit accounts. The basic deposit account is the main account of the unit. Depositors can only open one basic deposit account in the bank. The opening of other bank settlement accounts must be based on the opening of the basic deposit account. An enterprise's application for opening a bank settlement account can be handled by the legal representative or the person in charge of the unit, or it can be authorized by others. When an enterprise applies to open a basic deposit account, it should provide the bank with the original business license, tax registration certificate, and identity document of the legal representative (if it authorizes another person to handle the process, a letter of authorization and the identity document of the authorizer should also be issued), and fill out an account opening application. Book. The bank shall review the authenticity, completeness and compliance of the items filled in the enterprise's account opening application form and supporting documents in accordance with the requirements of the account management system. After passing the review, the bank will submit the account opening information to the local branch of the People's Bank of China, which will review the compliance of the account opening information and the uniqueness of the company's basic deposit account. For enterprises that meet the conditions for opening an account, the People's Bank of China will issue a basic deposit account opening license, and the bank will then handle the account opening procedures for them. At the same time, the bank should sign a bank settlement account management agreement with the enterprise to clarify the rights and obligations of both parties. After an enterprise opens a basic deposit account, it can apply to open other non-basic deposit accounts. The RMB bank settlement account management system has specific regulations on the account opening conditions and account opening procedures for enterprises to open non-basic deposit accounts.