Account Attributes[帐户属性]

一、我的人民币活期帐户分为储蓄帐户、我的结算帐户：
    Personal RMB demand deposit account includes: saving account and personal settlement account:
    人民币活期储蓄帐户(我的非结算帐户)是我的办理现金存取及在同户名帐户间进行转帐的我的帐户，开户时由储蓄机构发给存折，开户后凭存折随时存取。
    RMB demand term saving account (personal non-settlement account) is the personal account for cash deposit/withdrawal and funds transferring among the accounts under the same account owner. After the saving account is opened, the bank will offer a passbook to the customer, with the passbook, the customer would make deposit and withdrawal against this account at any time.
    人民币我的银行结算帐户是天然人因投资、消费、结算等开立的可办理支付结算业务的人民币我的活期存款帐户。
    Personal RMB settlement account is a kind of Personal demand deposit account in RMB that a nature person opened and applied for payment settlement against the investment, consumption and settlement.
    我的结算帐户有储蓄帐户的所有功能，另外还能使用其余结算，转账，消费业务。
    Personal settlement account is equipped with all of the capabilities of the saving account, with additional business capabilities, such as settlement, fund transfer and consumption businesses.
二、 存款人以单位名称开立的银行结算帐户为单位银行结算帐户。单位银行结算帐户按用途分为基本存款帐户、通常存款帐户、专用存款帐户、临时存款帐户。对不一样的属性的帐户有不一样的要求。
For the settlement accounts under a corporate name, we call it as corporate settlement account. Based on different account purpose, the corporate settlement account would be: basic deposit account, general deposit account, special deposit account, temporary deposit account. The account with different attributes may have different requirements.
（1）     基本存款帐户。基本存款帐户是存款人因办理平常转帐结算和现金收付须要开立的银行结算帐户。根据中国人民银行对基本账户的管理规定，一个存款单位只能在银行开立一个基本存款账户，存款人能够经过基本存款账户办理提取现金和转账结算等业务。
Basic deposit account. The basic deposit account is served as the settlement account for daily funds transfer, settlement and cash collection/payment. Based on PBOC’s management regulations on the basic account, one corporate could open only one basic deposit account, and could make cash deposit/withdrawal and transfer, settlement against this basic deposit account.
（2）     通常存款账户。通常存款帐户是企事业单位在基本存款账户之外开立的银行结算账户。通常存款账户不能取现，只能办理现金缴存和转账结算等业务。
General deposit account. The general deposit account is the settlement account that corporate opened at the bank besides the basic deposit account. The general deposit account could only be applied for cash deposit and transfer settlement, and the cash withdrawal is not permitted.
（3）     专用存款帐户。专用存款帐户是存款人按照法律、行政法规和规章，对其特定用途资金进行专项管理和使用而开立的银行结算帐户。专用存款帐户用于办理各项专用资金的收付。
Special deposit account. The special deposit account is the kind of settlement account opened based on the law, administrative regulation and rules requirements, to carry out the special management and utilization of the special purposed funds.
（4）     临时存款账户。临时存款帐户是存款人因临时须要并在规按期限内使用而开立的银行结算帐户。临时存款帐户的有效期最长为两年。临时存款帐户用于办理临时机构以及存款人临时经营活动发生的资金收付。
Temporary deposit account. In case of an interim needs and will use the account within certain period, the depositor will open an interim settlement account, i.e. the temporary deposit account. The maximum valid period for a temporary deposit account is 2 years. The temporary deposit account is used for establishing the interim institution and the funds collect/pay against the interim operating activities of the account owner.

•      临时存款帐户应根据有关开户证实文件肯定的期限或存款人的须要肯定其有效期限。存款人在帐户的使用中须要延长期限的，应在有效期限内向开户银行提出申请，并由开户银行报中国人民银行当地分支行核准后办理展期。临时存款帐户的有效期最长不得超过2年。

       The valid account term of the temporary deposit account is defined based on the relevant bank account opening certificates or based on the depositor's needs. If the depositor wants to extend the account term, he has to deliver the application to the ownership branch before the account term maturity day. The application would be turned-in to the local PBOC’s branch for approval of extension. The maximum period for the temporary deposit account is 2 year.

•     临时存款帐户支取现金，应按照国家现金管理的规定办理。

       Cash withdrawal from the temporary deposit account shall abide by the provisions of the state cash administrative rules.

            开户单位能够在下列范围内使用现金：The account owner corporate could utilize the cash within the following scopes:

            (一) 职工工资、津贴；Employee payroll and allowance;
            (二) 我的劳务报酬；Personal remuneration of labor;
            (三) 根据国家规定颁发给我的的科学技术、文化艺术、体育等各类奖金；The prizes awarded to a person regard the field of science and technology, culture and arts and sports, based on the state regulations.
            (四) 各类劳保、福利费用以及国家规定的对我的的其余支出；All sorts of labor insurances and welfare expenses as well as other expenses for individual that stipulated by the state;
            (五) 向我的收购农副产品和其余物资的价款；The payment to the individual for acquisition of agricultural products and other materials from him;
            (六) 出差人员必须随身携带的差旅费；Necessary travel expenses that shall be carried by the travelling staff;
            (七) 结算起点如下的零星支出；The sporadic expenses that under the starting point of settlement;
            (八) 中国人民银行肯定须要支付现金的其余支出。Other expenses that defined by the PBOC that shall be paid in cash.

•      注册验资的临时存款帐户在验资期间只收不付，注册验资资金的汇缴人应与出资人的名称一致。The temporary deposit account for a corporate registration capital verification is not allowed for money outwards, and only capital deposit-in is permitted during the capital verification period; The remitter of the funds for registration capital shall be the same with the investor.

三、     外汇局按帐户主体类别和交易性质对我的外汇帐户进行管理。银行为我的开立外汇帐户，应区分境内我的和境外我的。帐户按交易性质分为外汇结算帐户、外汇储蓄帐户、资本项目帐户。外币存款按帐户资金来源区分外汇帐户、外币现钞帐户。（居民和非居民，辖区内和辖区外）
SAFE will manage the personal foreign exchange account according to the account subject and transaction nature. When banks open the personal foreign exchange account, the account owner shall be recognized as domestic or foreign individual. Based on the nature of the transactions, the account would be divided into: foreign exchange settlement account, foreign exchange saving account, capital account. Due to the source of the funds, the foreign currency deposit account could be foreign exchange account or foreign currency cash account. (Residential or non-residential, within or out of the governance region)

四、     对公外汇帐户按帐户性质分为：常常项目帐户、资本项目帐户两类。
Due to its account nature, the corporate foreign exchange account would be: current account or capital account.
     常常项目帐户按产品种类分为活期、按期及通知存款。按照帐户拥有人区分，以上三类帐户可分为：境内机构常常项目外汇帐户（不含金融机构）、驻华机构外汇帐户（包括驻华外交机构、驻华商务机构）。
    The current account, based on the product types, would be classified as demand deposit, time deposit and notice deposit. If classified by the account owner, the account could be: domestic entities’ foreign exchange account under current account (financial institution excluded), foreign exchange account of the foreign establishments in China (include the diplomatic institutions and commercial establishments)
     资本项目帐户分为通常资本项目帐户、资本金、外国投资者专用帐户、自营外汇贷款、外债帐户五类。
    The capital account is divided to: general capital account, capital fund account, special account for foreign investors, self-operated foreign exchange loan account and external debt account.