公司银行开户经验

公司银行开户经验 公司银行开户业务经验 目 录 一、银行开户手续 .................................................................................................................... 1 (一)人民币帐户的开立 .................................................................................................. 1 (二)办理《外汇登记证》及外币资本金账户和外币结算账户开立 ................................... 2 二、外债的借入 ................................................................................................................ 3 三、人民币结算方式及付款时间明细表 .................................................................................... 4 四、外币结算方式 .................................................................................................................... 4 五、银行提供的负债业务及年利率表 ........................................................................................ 4 一、银行开户手续 (一)人民币帐户的开立 公司在领取营业执照并刻制公章之后，即可到银行办理开户手续，开立银行结算账户。根据人民银 行关于结算账户管理的有关规定，每个公司仅可开立一个基本帐户，用以提取现金及日常结算支付等， 并可根据经营业务的需要，再开立其他的一般帐户。 1、开立帐户需要准备的资料 1) 营业执照副本及其复印件; 2) 组织机构代码证的副本及其复印件; 3) 法定代表人身份证复印件; 4) 留存印鉴非法定代表人的，需要签署相应的授权; 5) 公章、财务专用章及预留人名章; 6) 经办人身份证复印件(通常工商银行需要); 7) 公司的税务登记证(含国税及地税)副本的复印件(通常招商银行需要); 8) 房屋#租赁#(一般基本户开户行需要); 9) 其他需要的证明文件。 2、办理支票领购手续 1) 经办人的照片; 2) 经办人的身份证复印件(通常工商银行需要); 3) 设置开立帐户的密码(通常工商银行需要)。 3、购领支票 1) 支票购领本(要经办人照片，身份证复印件) 2) 开户许可证(工商银行) 3) 预留银行印鉴，当时填写手续费和工本费的单子(先从银行取回，买时填好盖章后带道银行即 可，转账支票30元一本，现金支票20元一本，直接从银行划付) 4、支票的填写 1)年月日的写法，年必须用汉字的大写，月日是个位的，前边要加零，10月或10日，要写“壹拾”; ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain 2)数字的大写:壹、贰、叁、肆、伍、陆、柒、捌、玖、拾、佰、仟、万、亿; 3)收款人处一定填全称; 4)可以限定支票的最高金额。 5、办理电话查询 1) 签署电话查询协议; 2) 设置查询密码。 (二)办理《外汇登记证》及外币资本金账户和外币结算账户开立 1、办理外汇登记证需要资料: 1)书面申请(包括企业基本情况，拟开户银行名称等内容并加盖公章); 2)营业执照副本(境外非法人企业提供非法人营业执照); 3)外经贸部门批准企业成立的批复文件; 4)外经贸部门颁发的批准证书; 5)经批准生效的企业合资合作、章程(独资企业只须提供章程); 6)企业组织机构代码证; 7)企业公章; 8)除上述材料外，视情况要求补充的其他材料。 (以上材料除第1、7项外，需带原件及复印件，复印件应加盖企业公章，确认与原件内容一致，验后返还原件，同时留存复印件。) 2、办理资本金帐户需要的资料: 1)书面申请(包括企业基本情况、开户原因、拟开户银行等内容并加盖公章); 2)企业公章; 3)外汇登记证; 4)除上述材料外，视情况要求补充的其他材料。 (以上材料除第1、2项外，需带原件及复印件，复印件应加盖企业公章，确认与原件内容一致，管理部验后返还原件，同时留存复印件。) 办理完毕，发给《国家外汇管理局资本项目外汇业务核准件》一式三份，并于7日内办理银行开户事宜。 3、办理外币结算帐户需提供以下材料: 1)开户申请(包括企业基本情况、外汇收支范围、开户银行、帐户币种、帐户限额等并加盖公章); 2)企业公章; 3)外汇登记证; 4)经常项目外汇收入证明; 5)除上述材料外，视情况要求补充的其他材料。 (以上材料除第1、2项外，需带原件及复印件，复印件应加盖企业公章，确认与原件内容一致，管理部验后返还原件，同时留存复印件。)外币帐户 4、外币资本金帐户结汇需要准备的资料 1) 外汇登记证; 2) 营业执照; 3) 业务合同; ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain 4) 资本金结汇，外汇管理局已经授权银行直接办理，不再需要专门审批，通常两个工作日内即可 完成。 5、外债专用帐户的结汇 1) 外汇登记证; 2) 营业执照; 3) 业务合同; 4) 外汇管理局的结汇核准件; 5) 获取外汇管理局的结汇核准件需要审批，通常需要两个工作日的时间。 二、外债的借入流程 1(根据合同和章程缴足资本(对此要求不是特别严格，单方缴足，未缴方只要不超过缴付期，就可以申借外债) 2(签订外债借用合同，合同基本条款应包括 2.1 借贷双方名称，法定注册地址; 2.2 借款金额及期限(应有明确的截止日期);债务人借用一年期以上的中长期贷款，其中长期贷 款的累计签约金额不得高于国家有关部门批准的总投资与注册资本的差额; 2.3 利率(不得高于同期国际市场同类借款利率水平)费用; 2.4 贷款用途(如为循环贷款，须明确注明"循环"字样); 2.5 提款条款:需明确首次提款日; 2.6 还款条款:结息日;本金还款;其它条款(如:提前还款条款);最终还款日; 2.7 其他条款:贷款合同签订后15日内需到外汇局办理外债登记手续;还本付息时需经外汇局核 准; 2.8 陈述、保证及适用法律。 3(办理借入外债登记手续 3.1办理外债登记手续时，需提供如下材料: 3.1.1 外债登记申请(债务人自行撰写并加盖公章，内容应包括债务人投资总额、注册资本等基 本情况，以往外债借用及偿还情况，已借入中长期外债累计发生额，本次债务主要情况， 如金额、币种、期限、利率、用途等); 3.1.2 借款合同正本、副本(如合同语言为外文的，应提供主要条款的中文译本并加盖债务人单 位公章)， 3.1.3 投资合同及公司章程原件及复印件; 3.1.4 会计师事务所为公司出具的注册资本按投资合同或公司章程足额到位的验资报告正本、副 本; 3.1.5 外汇登记证; 3.1.6 已填写完毕的"资本项目外汇业务申请表"、"外债签约情况表"(需加盖公司印章); 3.1.7 除上述基本材料外视情况要求补充的其他材料。 3.2 以上材料除另有规定外，应提供原件及其复印件，复印件需加盖公章，确认与原件内容一致 4( 到银行开立外债专户 ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain 贷款资金必须直接汇入经外汇局批准开立的外债专户，不得汇入其它帐户; 5( 债务人应及时反馈开户及提款情况 5.1 债务人应于开户后5日内持开户行已注明帐户性质及账号并加盖业务公章的"资本项目外汇业务 核准件"(企业留存联)及外债签约表办理帐户到外汇管理部开立反馈手续。 5.2 债务人应于提款后5日内持加盖银行业务公章的提款入帐凭证到外汇管理部办理外债变动反馈 登记手续。 三、人民币结算方式及付款时间明细表 项目 适用范围 付款时间 需具备的条件 支票 同城 10天 银行汇票 异地 自出票日起一个月内 银行本票 同城 自出票日起最长不超过2个月 商业汇票 同城`异地 最长不超过6个月 必须有真实交易关系 商业承兑汇票 银行承兑汇票 信用卡 同城异地 汇兑 同城异地 两个月 信汇 电汇 委托收款 同城异地 3天 1(验单付款的承付期为3天; 托收承付 异地 2(验货付款的承付期为10天。 信用证 国际结算(主要) 实时付款 四、外币结算方式 方 式 到帐时间 结汇费率 备 注 SWIFT系统办理境外汇款 美元1日内到帐;其他币种3日内到帐 , 光票托收业务 30日内到帐 , 五、银行提供的负债业务及年利率表 RMB(年利率) HKD(年利率) 备注 活期存款 0.72% 0.125% 协定存款 1.44% 有资金余额要求 通知存款 提前1天通知 1.08% 提前7天通知 1.62% 0.3125% ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain RMB(年利率) HKD(年利率) 备注 定期存款 1个月 0.625% 3个月 1.71% 0.75% 6个月 1.89% 0.9375% 1年 1.98% 1.125% 说明: 1、 港币与人民币都有定期存款与通知存款，没有港币的协定存款; 2、 通知存款要求最低金额为人民币50万元，在存款期内可以提前支取一次，支取的部分按活期利率 计息，未支取的部分按该存款利率计息; 3、 协定存款要求最低金额:华夏银行、工商银行为人民币10万元，交通银行、招商银行要求是50万 元，只要保证帐户余额不少于该最低金额要求，在存款期内可以无限次支取。 4、 港币的定期存款利率，金额超过300万美元的，利率可以上浮10%。 本文涉及的办理手续、银行利率等详细条款仅供参考，实际执行情况以相关办理机构的规定为准。 ith. 3, fill embankment before base and completed the inspection and acceptance of works. 4, before the requirement level elevation sign layout according to the drawing, every nail on the level of a certain distance, elevation of forklift parts according to the design requirements set. 5, according to the site conditions determine the routes of earth-moving machinery, vehicles, and prior checks, reinforce and widen if necessary and other preparatory work. (B) construction processes and methods; 1, process: before filling, and statistics to the existing buildings and trees, the soil on the cave or on the surface of roots, trash and other debris to be cleared. 2, have the soil inspection work. Species of fill, size, check there is no debris, and soil moisture content control within the design range. Tier 3, fill casting: each layer thickness according to soil, density to determine requirements and equipment performance. 4, as needed when rolling, wheel (RAM) track lapping each other, prevent leaks RAM leakage. Aspect is high, filling segments. Each layer into slope-shaped seams, ground track about overlapping 0.5-1.0M, is less than the distance from the upper and lower joints 1M. 5, fill out the base surface, we will do the edge compaction quality assurance work. After the earth-moving, does not require trimming of the slope would be preferable to filling edge fill 0.5 m wide called slope rides on and shoot, wide filling 0.2m. 6, in machinery construction not rolling the filling position, manual blade filled with frog-type ramming machine or diesel hierarchical dynamic compaction-compacting. 9, rain during construction: (1) in the rain during embankment construction, we will be completed as soon as possible a continuous; face do not seek too large, hierarchical segment-by-film basis, important or special backfill, as completed by the rain. (2) in the rain at the time of construction, check all the rain