The company card is a debit card opened by the bank for the company, which is different from the general personal debit card and is 1. It cannot be withdrawn. 2. The funds must be transferred from the company's basic deposit account. Generally, the company card is used by the company's senior managers to go out for consumption;
Pay attention to the difference between business card and corporate card. The enterprise card, also known as the official seal card, refers to the only IC card representing the enterprise identity in China electronic port. The card is held by the legal representative of the enterprise or its designated personnel. Enterprises can apply for operator cards for employees, manage the deactivation and cancellation of enterprise operator cards, and digitally sign electronic documents of enterprises in the name of legal persons.
What's the difference between a corporate bank and a general bank?
Compared with natural persons, a legal person refers to a social organization that owns independent property, can independently participate in civil activities in its own name, acquire civil rights and assume obligations for itself.
Then, if you know something about company law, you should know that a branch company has legal personality, but a subsidiary company does not.
All bank head offices must be corporate banks and independent enterprises. As for the subordinate bank, if they can bear the debt alone without the joint liability of the superior company, then this subordinate bank is a corporate bank as a branch of the head office.
For example, HSBC, whose head office in Britain is a corporate bank, has set up branches in the United States, Canada and other countries, so in fact, HSBC in the United States, HSBC in Ghana and HSBC in Britain are three independent banks, but they are all funded by the head office in Britain. Now these foreign banks have also set up corporate banks in China.
The biggest difference is that corporate bank debt is borne by itself. For example, Citibank in the United States went bankrupt, and Citibank in China did not have to bear the debt. Because the two companies are different, the law cannot require Citibank in China to compensate depositors of Citibank in the United States. This is actually a risk prevention measure.
If you are interested, you can learn about the company law and choose some for you.
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According to the provisions of Article 37 of the General Principles of Civil Law, the conditions for the establishment of a legal person mainly include the following four aspects:
1. A legal person must be established in accordance with the law, that is, it must comply with the provisions of the law, get the permission of the law and get the approval of the state. It includes two meanings: first, a legal person must be established outside the civil law and in accordance with the prescribed legal procedures.
2. A legal person must have its own independently operated property. A legal person must have a certain material basis to ensure all kinds of economic activities and social exchanges. This material basis is the property independently controlled by the legal person.
3. A legal person must have a clear organization, name and place. Legal person is a strict organization, not a loose trade union or alliance, so there must be a clear organized organization, not a loose joint trade union, so there must be a clear organized organization to exercise the functions and powers of legal person and engage in daily work; The name of a legal person is used to distinguish it from other legal persons, and some can indicate the working object and subordinate relationship of the organization or unit. A legal person enjoys the exclusive right to use its registered name, and the product appraisal contracts and patents manufactured under this name shall not be used by other organizations, and shall be protected by state laws. A legal person must also have a relatively fixed place, that is, a domicile, where the legal person organization is located. It indicates the main location of legal person's economic activities, and accordingly sets up bank accounts, performs creditor's rights and debts, and arranges litigation jurisdiction.
Legal person must be able to bear civil liability independently. In economic and social activities, legal persons shall bear civil liability independently because they violate contracts, fail to perform debts and infringe on the property and interests of society or others. Among the above four conditions, a legal person must have the necessary property or funds and be able to bear civil liability independently, which is the most obvious and prominent feature of a non-legal person. Moreover, the above four conditions are indispensable, only at the same time.
How to handle 5 points for corporate bank cards?
You can consult your account manager. Generally, account opening license, copy of business license, copy of tax registration, financial seal, enterprise seal and power of attorney are required. Does your company open a basic account account or an ordinary account?
What does a credit card legal person mean?
Credit Card (English: credit card) is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards, with a length of 85.60 mm, a width of 53.98 mm and a thickness of 1mm (dimensions are defined by ISO 78 10 and 78 16 series documents), which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the settlement date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
Credit card definition
Credit card is a special carrier card issued by commercial banks to individuals and units, which is used to buy goods from special units and deposit and withdraw cash from banks. It is in the form of a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. The credit card we are talking about now generally only refers to the debit card. Generally speaking, credit card is a kind of micro-credit payment tool provided by banks to users. That is, when your shopping demand exceeds your ability to pay or you don't want to use cash, you can borrow money from the bank, and the bank doesn't need to pay any interest and handling fees. A credit card is a certificate that the bank promises to lend you money. A credit card will tell you how much money you can borrow from the bank and when you need to pay it back. In addition, when the credit card has no money, you can withdraw cash directly from the ATM.
Credit card characteristics
Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, as long as the consumption amount is returned on time, you can 1, there is no deposit overdraft, and you can enjoy an interest-free period of 20-50 days. 2. swiping a card while shopping is not only safe, hygienic and convenient, but also a bonus gift. 3. Special merchants who hold cards in banks can enjoy preferential treatment. 4. Accumulate personal credit, add a credit record to your credit file, and benefit for life. 5. National access is barrier-free, and you can withdraw money or spend money on ATM and POS machines with UnionPay logo. 6. All kinds of discounts and lottery activities throughout the year, as long as you use the card, you will always be surprised. 7. Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently. 8. Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses. 9. The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB. 10, 24-hour free 800 telephone service, loss reporting takes effect immediately, and there is no risk of losing the card.
What do you mean by public bank account?
"Company account" is the account of a company (unit), and "private account" is the account of an individual. When the employee pays his salary in the bank, he transfers the money from the "company account" to the "private account".
What is a local corporate bank? Is it the national corporate bank?
Local corporate banks refer to profit-making joint-stock commercial banks, regional local banks and local commercial banks established by local * * * or commercial institutions according to law. For example, the number of local banks in China such as Shanghai Pudong Development Bank, Chengdu Bank and Chengdu Bank is 143.
Corresponding to the four major state-owned banks, there is no national corporate bank.
What is the role of enterprise basic account? What's the difference between a bank card and a bank card held by a legal person? Does the company account have to be credited every day?
Enterprise basic deposit account is opened in the name of the company, and personal bank cards are opened in the name of individuals.
Enterprise accounts don't need to be credited every day. If they do, they won't be credited. However, some banks will charge a certain amount of account management fees, small account fees and other fees, and each bank is different.
In basic account, there are usually checks, drafts and other corporate bills written to you by others. If you deposit them, you can remit the money to the other company in the name of the company, or write a check directly to the supplier, or withdraw some cash from the enterprise account. Generally speaking, enterprise basic households are used to deal with companies.
PS: The bank account number has nothing to do with what kind of business you are. The nature of your business is related to the legal responsibilities you need to bear.
What does a company do with a credit card as a legal person?
I don't know what kind of enterprise your company is and how much registered capital it has.
Enterprise legal persons are generally considered as high-risk groups, and there is no credit card specifically for legal persons.
But I can recommend some banks that are more suitable for you.
Bank: You can try CITIC, China Merchants, Transportation, China Everbright and Shenzhen Development. These are easier to handle in the name of your legal person, especially China Merchants, which should be the first choice.
As for Bank of China, Minsheng, Guangfa, Huaxia and CCB, you'd better not waste your time. . The legal representative is very exclusive, and Minsheng can also apply for a registered capital of more than 6.5438+0.5 million, but the amount is extremely low.
When applying for a credit card, it is best not to use the user's identity and business license, which is difficult to approve! The amount approved is also extremely low. Many bosses reported that their cards were not approved, but employees approved them. Their credit cards are not as high as employees, that's why! A better way is:
You can use the position of deputy general manager to issue a certificate of higher income with the official seal of the company, which is easier to examine and approve and the amount can meet the needs.
What is a bank seal card?
The bank seal card is a card with the seal of the account opening company, that is, the official seal and the private seal of the legal representative, which is kept by the bank to verify the authenticity of the seal in future business processing. A signature card and a signature piece are the same thing.
What are five cards and one card for bank financing?
One card: credit card
Five certificates: business license, local tax certificate, national tax certificate, organization code certificate and basic account opening permit.