Whatcanyoudousingthepersonalsettlementaccount?您用结算账户能做什么？

会计考友

　　According to the unified regulation of PBC, the following businesses must be handled at banks through the personal settlement account:
　　-Accepting inward fund transfer from any other person or unit (such as agency salary payment account, accepting remittance from any other person or unit);
　　-Money transfer from any other account under its own name (including its own current saving account and settlement account);
8 }( `' z2 D3 {: S　　-Outward account transfer and remittance (money transfer to any other person or unit);
* Y0 V' u- W$ T$ o　　-Credit card consumption (consumption and online shopping through Peony Money Link Card or "Elite Club" account card);
　　-Payment of charges (for telephone fee and mobile phone fee);
　　-Investment (T-bond, funds, insurance and securities purchase);
9 a" a( J' [) ^, D　　-Loan (the granting and repayment of various loans including housing loan, auto loan and unsecured loan);
　　-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：
7 s6 J/ N# m7 N3 \6 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）
! M" _7 p2 U$ o7 B& Q) h& E　　－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）
0 I' F' h0 Z4 [8 s% v( A. y3 g　　－对外转账/汇款（给他人或单位转账汇款）
& g2 `. i! m4 x+ {: E$ |, F　　－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）
　　－缴费（缴纳电话费、手机费等）
　　－投资（购买国债、基金、保险，证券投资等）
1 ^% j( |& F+ j( H' ]8 j　　－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）
　　－办理信用卡、个人支票