What Is The Basic Principle Of Bank Account Management?
In accordance with the provisions on the management of bank accounts, the following principles shall be observed in the management of bank accounts.
:
(1) a basic account principle.
That is to say, depositors can only open a basic deposit account in a bank, and can not open a basic deposit account.
A depositor opens a basic deposit account in a bank and implements a permit system for issuing an account by a local branch of the people's Bank of China.
(2) voluntary selection principle.
That is, depositors can choose their own banks to open accounts, and banks can also choose depositors to open their accounts voluntarily.
No unit or individual may interfere in the opening or use of accounts by depositors and banks.
(3) the principle of deposit secrecy.
That is, banks must protect the depositors' rights in accordance with the law and safeguard the depositors' right of autonomy.
Except for the state laws and the supervision items of the people's Bank of China General Office authorized by the State Council, banks do not inquire, freeze or deduct deposits from depositors' accounts on behalf of any unit or individual.
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