After registering the company, opening a corporate account is an essential step. Usually,Enterprises need to open two accounts: basic account and general account. However, many entrepreneurs are not clear about the specific functions and functions of these two accounts. This article will explain in detail the differences between basic and general households, their respective functions and roles.
First of all, basic accounts and general accounts are two different types of bank accounts, and their functions and roles are also different.
The basic account refers to the main account opened by the enterprise in the bank for transfer settlement and cash receipt and payment. It is one of the main bank accounts of a business and is usually used to handle the daily capital receipts and expenditures of the business. The basic account has the following functions and functions:
1.Receipts and paymentsThe basic account is the main channel for the daily capital income and expenditure of the enterprise. Enterprises can receive payments from customers or partners through a basic account, and can also pay payments to merchants or employees.
2.Payroll:Businesses can pay wages and other benefits to employees through basic accounts.
3.Tax filingsEnterprises can handle tax declaration and tax payment through the basic account.
4.Financial Management:The basic account is an important part of the financial management of the enterprise. Through the basic account, enterprises can easily manage their own funds and accounts, and grasp the operating status of the enterprise.
The general account refers to the auxiliary account opened by the enterprise in the bank in addition to the basic account, which is used for transfer and settlement, cash receipt and payment, etc. The functions of the average household are relatively limited, and they are usually used for the following purposes:
1.Special fund management: Enterprises can open general accounts as needed to manage the income and expenditure of a special fund, such as project funds, security deposits, etc.
2.Fund allocation: When enterprises need to transfer funds between different accounts, they can operate through general accounts to facilitate the management and use of funds.
3.Other special purposes: According to the actual needs of the enterprise, general households can also be used for other special purposes, such as paying social security, provident fund, etc.
So, is it possible to open only a basic account instead of a general account?Normally, enterprises need to open both basic and general accounts. The basic account is the main channel for the daily capital income and expenditure of the enterprise, while the general account is used for special fund management and special purposes. Opening only a basic account instead of a general account may cause inconvenience to the management and use of funds by the enterprise. Therefore, according to the actual needs, enterprises should open both basic and general accounts in order to better manage and use their own funds.
In addition, enterprises should consider many factors when choosing a bank to open an account, such as the bank's service quality, credibility, fees, etc. Enterprises can choose the bank that suits them according to their actual situation, and make reasonable use of the functions of basic account and general account to improve the efficiency of fund management and use.
In short,Basic accounts and regular accounts are two different types of bank accounts with different functions and functions. When opening a corporate account, an enterprise should open both a basic account and a general account according to its actual needs, so as to better manage and use its own funds. At the same time, enterprises should also choose a suitable bank to improve the efficiency of fund management and use.