人民币银行结算账户管理办法 administrative rules for rmb bank settlement accounts

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1、人民币银行结算账户管理办法AdministrativeRulesforRMBBankSettlementAccountsArticle1Theserulesareformulatedaccordingtothe“LawofthePeople’sRepublicofChinaonthePeople’sBankofChina”andthe“CommercialBankingLawofthePeople’sRepublicofChina”soastoregulatetheopeninganduseandstrengthenmanagementofRMBbanksettlementaccounts

2、（hereinafterreferredtoas“banksettlementaccounts”）andsafeguardeconomicandfinancialstability.Article2TheserulesareapplicabletobanksettlementaccountsopenedbydepositorswithbanksdomiciledinChina.“Depositors”hereinafterrefertogovernmentagencies，socialorganizations，militaryunits，enterprises，publicinstitu

3、tionsandotherorganizations（referredasInstitutionshereinafter），self-employedentitiesandnaturalpersonsthatmaintainsettlementaccountswithbanksinChina.Banksintheserulesrefertopolicybanks，commercialbanks（includingwhollyforeign-fundedbanks，Sino-foreignjoint-equitybanksandbranchesofforeignbanks），urbanand

4、ruralcreditcooperativesthatareapprovedbythePeople’sBankofChinatoengageinpaymentandsettlementbusinessinChina.BanksettlementaccountsintheserulesrefertoRMBdemanddepositaccountsopenedbybanksfordepositorstoeffectpaymentandsettlementoffunds.Article3Banksettlementaccountsmaybeclassifiedonthebasisofthenat

5、ureofdepositorsintobanksettlementaccountsforinstitutionsandbanksettlementaccountsforindividuals.（1）Abanksettlementaccountopenedbyadepositorinthenameofaninstitutionisabanksettlementaccountforinstitution.Basedontheiruses，banksettlementaccountsforinstitutionsmaybedividedintobasicdepositaccounts，gener

6、aldepositaccounts，specialdepositaccountsandtemporarydepositaccounts.Banksettlementaccountsopenedbyself-employedentitieswiththebrandoftheirproductsorthenameoftheownerappearedinthebusinesslicenseshallbemanagedasbanksettlementaccountsforinstitutions.（2）Abanksettlementaccountopenedbyanaturalpersondepo

7、sitorwithhisorherIDisabanksettlementaccountforindividual.Bankingaccountsopenedbypostalsavingsinstitutionstoconductbankingcardbusinessshallbemanagedasbanksettlementaccountsforindividuals.Article4Adepositoropeningb