金融英语阅读:办理哪些业务须通过结算账户办理

作者:admin

来源:

2013-9-16 10:39

What can you do using the personal settlement account?

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