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結算賬戶的作用
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.
按人民銀行統(tǒng)一規(guī)定，您在銀行辦理如下業(yè)務時須通過結算賬戶辦理：
·接受他人或單位的資金轉(zhuǎn)入（如代發(fā)工資賬戶、接收他人或單位的匯款）
·給本人名下的其他賬戶轉(zhuǎn)賬匯款（包括本人的活期儲蓄賬戶和結算賬戶）
·對外轉(zhuǎn)賬/匯款（給他人或單位轉(zhuǎn)賬匯款）
·刷卡/消費（通過牡丹靈通卡/理財金賬戶卡刷卡消費或網(wǎng)上購物）
·繳費（繳納電話費、手機費等）
·投資（購買國債、基金、保險，證券投資等）
·貸款（住房貸款、汽車貸款、信用貸款等多種貸款的發(fā)放和償還）
·辦理信用卡、個人支票。
責任編輯：vivien
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