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ID:14951067
大小:112.50 KB
页数:38页
时间:2018-07-31
《人民币银行结算账户管理办法 administrative rules for rmb bank settlement accounts》由会员上传分享,免费在线阅读,更多相关内容在教育资源-天天文库。
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
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