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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).
-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).
-Payment of charges (for telephone fee and mobile phone fee).
-Investment (T-bond, funds, insurance and securities purchase).
-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）
－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）
－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）
－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 |