According to the unified regulation of PBC, the following businesses must be handled at banks through the personal settlement account:7 u7 ^% A9 m3 H
-Accepting inward fund transfer from any other person or unit (such as agency salary payment account, accepting remittance from any other person or unit);
5 [7 }/ Y1 G! D q0 }- h -Money transfer from any other account under its own name (including its own current saving account and settlement account);4 n$ S; L0 Q# ?1 x/ I5 e4 F
-Outward account transfer and remittance (money transfer to any other person or unit);
1 n( K* }% D$ Q2 U" {5 v# c -Credit card consumption (consumption and online shopping through Peony Money Link Card or "Elite Club" account card);
7 Y3 w8 ]% z5 ^; e -Payment of charges (for telephone fee and mobile phone fee); ? R2 D4 j: j4 G+ t# W& U
-Investment (T-bond, funds, insurance and securities purchase);
; t8 f6 Z1 S5 l) H -Loan (the granting and repayment of various loans including housing loan, auto loan and unsecured loan);
! ^" A& f- n& | -Handling credit card or personal check. 按人民银行统一规定,您在银行办理如下业务时须通过结算账户办理:0 E2 J2 J& n5 x1 `. U
-接受他人或单位的资金转入(如代发工资账户、接收他人或单位的汇款)
B6 o6 A2 I/ e- z$ H" w -给本人名下的其他账户转帐汇款(包括本人的活期储蓄账户和结算账户)
# o) C, E4 }' M( \ -对外转账/汇款(给他人或单位转账汇款)
* _- B& l$ c$ y K+ V; n$ y: |2 ?& T -刷卡/消费(通过牡丹灵通卡/理财金账户卡刷卡消费或网上购物)
8 I5 [1 I, E% ~% Q/ |) b H; X -缴费(缴纳电话费、手机费等)
* K5 U1 y* p5 d -投资(购买国债、基金、保险,证券投资等)# S( X5 d2 K& y) X4 O7 V
-贷款(住房贷款、汽车贷款、信用贷款等多种贷款的发放和偿还)
2 K/ b/ T o6 e" S -办理信用卡、个人支票 |