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);
3 o, }% x* @" ]# d8 m　　-Money transfer from any other account under its own name (including its own current saving account and settlement account);
　　-Outward account transfer and remittance (money transfer to any other person or unit);
　　-Credit card consumption (consumption and online shopping through Peony Money Link Card or "Elite Club" account card);
  W9 u& w9 @  [$ b. I5 Z　　-Payment of charges (for telephone fee and mobile phone fee);
- Q  @0 B* i- [- k  t4 H2 X　　-Investment (T-bond, funds, insurance and securities purchase);
2 k. l& z+ @% L  m! y0 D- D+ L　　-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：
　　－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）
/ h5 |/ |9 D5 [3 t, ]- J* }0 v　　－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）
　　－对外转账/汇款（给他人或单位转账汇款）
　　－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）
: M  {9 w9 ?8 K/ g- S　　－缴费（缴纳电话费、手机费等）
. V- i' [' @" m, x: X　　－投资（购买国债、基金、保险，证券投资等）
　　－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）
8 |5 i. v0 P$ ~: y7 |0 n6 f　　－办理信用卡、个人支票