Operation process:
1. Account opening information: original business license of enterprise legal person (subject to annual inspection), organization code certificate (original and photocopy), tax registration certificate (original and photocopy), and identity certificate of legal representative or person in charge of the unit. The agency shall provide the power of attorney and the identity certificate of the authorized person. If the customer provides a copy by himself, the customer is required to affix the official seal on the copy.
2. Fill in the form by the customer: account opening application in triplicate, account management agreement in triplicate, payment password agreement in triplicate, payment password business application in triplicate and signature card in quadruplicate. To open basic deposit account again, you need to provide a list of the bank settlement accounts that have been opened in triplicate.
3. Due to special reasons, the customer can't provide relevant account opening information at the bank site, and the account manager needs to come to check the original.
4. The copy should be marked with the words "consistent with the original, only used to open an account with xx Bank" and stamped with the official seal of the unit. And signed by the door-to-door staff. Fill in the "account opening authenticity certificate" and sign it by the first person in charge of the branch. After completing the door-to-door verification procedure. The customer goes to the counter to handle the account opening formalities with the original ID card and a copy of the account opening information.
Restrictions: Corporate online banking has a time limit for corporate transfer, which is usually working days and weekends. There is no time limit for personal transfer.
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Classification of banking business:
According to the complexity of business and the dependence on outlets, banking business can be divided into two parts: one part is traditional business, including general loans, simple foreign exchange trading, trade financing and so on. , mainly supported by a large number of branch outlets and business volume. In addition, there are complex businesses, such as derivative products, structured financing, leasing, introducing strategic investors, mergers and acquisitions, etc. These are high-tech and high-profit business areas, which are not very dependent on the branch network. ?
According to the composition of its balance sheet, banking business is mainly divided into three categories: liability business, asset business and intermediary business.
Debt business is the business of commercial banks to form a source of funds, and it is an important basis for intermediary business and assets of commercial banks. The liability business of commercial banks is mainly composed of deposit business, loan business and interbank business. Liabilities are debts that can be measured in money and will be repaid with assets or capital. Deposits and derivative deposits are the main liabilities of banks, accounting for more than 80% of the sources of funds. In addition, interbank deposits, borrowing funds or issuing bonds also constitute bank liabilities.
Asset business is the business that commercial banks use funds, including loan business, securities investment business and cash asset business.
Intermediary business refers to the business that does not constitute on-balance-sheet assets and liabilities of commercial banks and generates non-interest income, including trading business, clearing business, payment and settlement business, bank card business, agency business, custody business, guarantee business, commitment business, wealth management business and electronic banking business.
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Baidu Encyclopedia-Bank's Corporate Business