第1页共33页编号:时间:2021年x月x日书山有路勤为径,学海无涯苦作舟页码:第1页共33页人民币银行结算账户管理办法AdministrativeRulesforRMBBankSettlementAccounts中国人民银行令[2003]第5号颁布日期:20030410实施日期:20030901颁布单位:中国人民银行Decree[2003]No.5ofthePeople'sBankofChinaApril10,2003ChapterIGeneralProvisionsArticle1Theserulesareformulatedaccordingtothe“LawofthePeople'sRepublicofChinaonthePeople'sBankofChina”andthe“CommercialBankingLawofthePeople'sRepublicofChina”soastoregulatetheopeninganduseandstrengthenmanagementofRMBbanksettlementaccounts(hereinafterreferredtoas“banksettlementaccounts”)andsafeguardeconomicandfinancialstability.Article2TheserulesareapplicabletobanksettlementaccountsopenedbydepositorswithbanksdomiciledinChina.“Depositors”hereinafterrefertogovernmentagencies,socialorganizations,militaryunits,enterprises,publicinstitutionsandotherorganizations(referredasInstitutionshereinafter),self-employedentitiesandnaturalpersonsthatmaintainsettlementaccountswithbanksinChina.Banksintheserulesrefertopolicybanks,commercialbanks(includingwhollyforeign-fundedbanks,Sino-foreignjoint-equitybanksandbranchesofforeignbanks),urbanandruralcreditcooperativesthatareapprovedbythePeople'sBankofChinatoengageinpaymentandsettlementbusinessinChina.BanksettlementaccountsintheserulesrefertoRMBdemanddepositaccountsopenedbybanksfordepositorstoeffectpaymentandsettlementoffunds.Article3Banksettlementaccountsmaybeclassifiedonthebasisofthenatureofdepositorsintobanksettlementaccountsforinstitutionsandbanksettlementaccountsforindividuals.(1)Abanksettlementaccountopenedbyadepositorinthenameofaninstitutionisabanksettlementaccountforinstitution.Basedontheiruses,banksettlementaccountsforinstitutionsmaybedividedintobasicdepositaccounts,generaldepositaccounts,specialdepositaccountsandtemporarydepositaccounts.第2页共33页第1页共33页编号:时间:2021年x月x日书山有路勤为径,学海无涯苦作舟页码:第2页共33页Banksettlementaccountsopenedbyself-employedentitieswiththebrandoftheirproductsorthenameoftheownerappearedinthebusinesslicenseshallbemanagedasbanksettlementaccountsforinstitutions.(2)AbanksettlementaccountopenedbyanaturalpersondepositorwithhisorherIDisabanksettlementaccountforindividual.Bankingaccountsopenedbypostalsavingsinstitutionstoconductbankingcardbusinessshallbemanagedasbanksettlementaccountsforindividuals.Article4Adepositoropeningbanksettlementaccountsforinstitutionsmayonlykeeponebasicdepositaccountinbanks.Article5Depositorsshallopenbanksettlementaccountsintheplacewheretheyareregisteredorlocated,exceptforthoseallowedbytheserulestoopenbanksettlementaccountsoutsidetheirplacesofresidence(indifferentprovinces,citiesorcounties)。Article6Openingofbasicdepositaccounts,temporarydepositaccounts,oropeningofspecialdepositaccountsbybudgetunitsshallbesubjecttoreviewandapprovalofthePeople'sBankofChina.Withtheapproval,thebankthatistoholdtheaccountshallissuearegistrationcertificateofopeningofsuchanaccount.However,temporarydepositaccountsopenedbydepositorsforthepurposeofexaminationofregisteredcapitalrequirementcomplianceareexemptedfromsuchastipulation.Article7Depositorsmaymaketheirownchoicesofbankstoopenbanksettlementaccounts.Noinstitutionsorindividualsareallowedtocommanddepositorstoopenbanksettlementaccountswithdesignatedbanks,unlessstipulatedotherwisebylaws,administrati...