Account Attributes[帳戶屬性]

一、我的人民幣活期帳戶分爲儲蓄帳戶、我的結算帳戶：
    Personal RMB demand deposit account includes: saving account and personal settlement account:
    人民幣活期儲蓄帳戶(我的非結算帳戶)是我的辦理現金存取及在同戶名帳戶間進行轉帳的我的帳戶，開戶時由儲蓄機構發給存摺，開戶後憑存摺隨時存取。
    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.
    人民幣我的銀行結算帳戶是天然人因投資、消費、結算等開立的可辦理支付結算業務的人民幣我的活期存款帳戶。
    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.
    我的結算帳戶有儲蓄帳戶的所有功能，另外還能使用其餘結算，轉賬，消費業務。
    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、 存款人以單位名稱開立的銀行結算帳戶爲單位銀行結算帳戶。單位銀行結算帳戶按用途分爲基本存款帳戶、通常存款帳戶、專用存款帳戶、臨時存款帳戶。對不一樣的屬性的帳戶有不一樣的要求。
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）     基本存款帳戶。基本存款帳戶是存款人因辦理平常轉帳結算和現金收付須要開立的銀行結算帳戶。根據中國人民銀行對基本賬戶的管理規定，一個存款單位只能在銀行開立一個基本存款賬戶，存款人能夠經過基本存款賬戶辦理提取現金和轉賬結算等業務。
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）     通常存款賬戶。通常存款帳戶是企事業單位在基本存款賬戶之外開立的銀行結算賬戶。通常存款賬戶不能取現，只能辦理現金繳存和轉賬結算等業務。
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）     專用存款帳戶。專用存款帳戶是存款人按照法律、行政法規和規章，對其特定用途資金進行專項管理和使用而開立的銀行結算帳戶。專用存款帳戶用於辦理各項專用資金的收付。
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）     臨時存款賬戶。臨時存款帳戶是存款人因臨時須要並在規按期限內使用而開立的銀行結算帳戶。臨時存款帳戶的有效期最長爲兩年。臨時存款帳戶用於辦理臨時機構以及存款人臨時經營活動發生的資金收付。
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.

•      臨時存款帳戶應根據有關開戶證實文件肯定的期限或存款人的須要肯定其有效期限。存款人在帳戶的使用中須要延長期限的，應在有效期限內向開戶銀行提出申請，並由開戶銀行報中國人民銀行當地分支行覈准後辦理展期。臨時存款帳戶的有效期最長不得超過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.

•     臨時存款帳戶支取現金，應按照國家現金管理的規定辦理。

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

            開戶單位能夠在下列範圍內使用現金：The account owner corporate could utilize the cash within the following scopes:

            (一) 職工工資、津貼；Employee payroll and allowance;
            (二) 我的勞務報酬；Personal remuneration of labor;
            (三) 根據國家規定頒發給我的的科學技術、文化藝術、體育等各類獎金；The prizes awarded to a person regard the field of science and technology, culture and arts and sports, based on the state regulations.
            (四) 各類勞保、福利費用以及國家規定的對我的的其餘支出；All sorts of labor insurances and welfare expenses as well as other expenses for individual that stipulated by the state;
            (五) 向我的收購農副產品和其餘物資的價款；The payment to the individual for acquisition of agricultural products and other materials from him;
            (六) 出差人員必須隨身攜帶的差旅費；Necessary travel expenses that shall be carried by the travelling staff;
            (七) 結算起點如下的零星支出；The sporadic expenses that under the starting point of settlement;
            (八) 中國人民銀行肯定須要支付現金的其餘支出。Other expenses that defined by the PBOC that shall be paid in cash.

•      註冊驗資的臨時存款帳戶在驗資期間只收不付，註冊驗資資金的匯繳人應與出資人的名稱一致。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、     外匯局按帳戶主體類別和交易性質對我的外匯帳戶進行管理。銀行爲我的開立外匯帳戶，應區分境內我的和境外我的。帳戶按交易性質分爲外匯結算帳戶、外匯儲蓄帳戶、資本項目帳戶。外幣存款按帳戶資金來源區分外匯帳戶、外幣現鈔帳戶。（居民和非居民，轄區內和轄區外）
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、     對公外匯帳戶按帳戶性質分爲：常常項目帳戶、資本項目帳戶兩類。
Due to its account nature, the corporate foreign exchange account would be: current account or capital account.
     常常項目帳戶按產品種類分爲活期、按期及通知存款。按照帳戶擁有人區分，以上三類帳戶可分爲：境內機構常常項目外匯帳戶（不含金融機構）、駐華機構外匯帳戶（包括駐華外交機構、駐華商務機構）。
    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)
     資本項目帳戶分爲通常資本項目帳戶、資本金、外國投資者專用帳戶、自營外匯貸款、外債帳戶五類。
    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.