Novice FAQ account opening

Tips for opening an account (1)-those things about opening an account

Question: Why do you want to open a securities account?

Most people think that opening an account is stock trading. In fact, the role of stock accounts goes far beyond this. Next, it will be explained in detail:

1. A stock account is similar to a treasure chest. There are various investment methods, such as buying and selling stocks (commonly known as stock trading), making new investments (new shares need the market value of Shanghai and Shenzhen stocks, and new bonds do not need to be purchased), national debt, reverse repurchase of national debt, trading bonds, trading funds (on-exchange funds (such as ETF), off-exchange funds (LOF funds are open-end funds), brokerage wealth management products and so on.

Question 2: How to find a reliable broker?

1. The results of classified evaluation of securities firms published once a year can be found in "China Securities Association", and now it is adjusted to "one-on-one" notice to 10 securities firms by local securities commissions.

You can choose large brokers with large scale, strong strength, guaranteed funds, convenient trading channels, and stronger service level and compliance risk control level.

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2. Understand the commission and service. Many people open high commission accounts because of poor information. They may open an account directly on the brokerage app, and the commission is 12.5 by default.

Secondly, with the development of the brokerage industry, the commission has been adjusted from 1000 to 1000, but some old investors don't know that they are still trading with high commission.

I used to know a client who was an old stockholder. He said that every transaction cost (buying and selling) will be deducted by more than 300 yuan, and the market value of his stock is1.9000 yuan, which means that his commission has always been one thousandth (1.9000 x 0. 1% x2=380).

Imagine if Man Cang trades five times a month (one month 10), what is the difference in commission? These statistics are because many people don't see the cost comparison brought by the commission difference.

If you want to invest in the future, you must find a financial consultant (account manager) who can help you reduce the handling fee (commission);

Secondly, be sure to ask the financial adviser (account manager) for the work code and make sure that you are affiliated with her name. You can contact her if you have any related needs or questions in the future.

In fact, for retail investors with low trading frequency and less trading funds, the difference brought by handling fees (commissions) is relatively small.

3. Software problems. In fact, the software of major brokers can be improved, but many people are unwilling to change it, mainly because they are used to it and are too lazy to change it again.

When you choose a brokerage app, you must consider whether its transaction supports the platform you are used to (straight flush, Tongxin Da, etc.). ).) and support methods (mobile phone, PC, etc. ).).

4. Financial consultant (account manager). Some account managers just open accounts for customers and adjust commissions. But in fact, many people want not only these hard services, but also some investment suggestions and opinions when opening an account.

A good account manager will carefully understand the customer's needs and understand the customer's situation (economic situation, risk preference, investment experience, disposable assets, work, etc. ).), and guide customers according to these conditions to help customers establish a correct investment concept.

Finding low commission trading channels is not only the process of opening an account, but also the process of choosing an investment consultant (account manager) who can help you.

Question 3: How to check your commission?

Self-examination:

Log in to your own stock trading software, find the transaction, query your own historical transaction details, compare the "transaction amount" and "commission" (handling fee), and calculate your own commission.

Ask the broker account manager:

Situation 1:

Online self-service account opening, the default maximum commission is 2.5 million, without the guidance of the account manager.

Situation 2:

Open an account online, regardless of commission, with a default maximum of 2.5 million.

Situation 3:

No matter which brokerage company you open an account with, you must find a good channel, otherwise you won't get a low commission.

Tips for opening an account for Xiaobai (2)-Those things about opening an account

Question 1: How many accounts can a person open?

Securities accounts are divided into shareholder accounts and capital accounts. One person can open three Shanghai shareholder accounts and multiple Shenzhen shareholder accounts. These two shareholder accounts are used to buy Shang's shares.

Opening an account costs nothing! No annual fee! As long as there is no transaction, there is no cost. There is no limit to how much money you need to deposit after opening an account. If you need to trade, you can deposit the funds into the securities account through the bound bank card. If you don't do trading or other financial investment for the time being, you don't need to deposit. However, if it is the first time to open a stock account, you can transfer money on the day when the account is opened successfully, and you can start trading stocks the next day. If you have a stock account before, you can buy Shenzhen Stock Exchange shares on the opening day and trade Shanghai Stock Exchange shares the next day.

Question 3: What are the requirements for opening an account?

To open an account, you need to be over 18 years old, and you need to prepare an ID card and a bank card (not a credit card) within the validity period.

Question 4: What are the channels for opening an account?

Open an account offline:

You need to bring your ID card and bank card to the counter of the securities business department.

Open an account online:

Now most customers choose to open an account online, which is convenient and safe. They need to download the official App of the brokerage company, and the software will have its own account opening service. Generally as follows:

(1) Contact the account manager of the brokerage firm and ask for the exclusive account opening link; (2) Enter the account opening interface to register the account.

(3) Upload the photo of ID card and improve the information.

(4) Upload the bank card password to set up accounts and transactions.

(5) Complete the double authentication of video and voice.

(6) Conduct risk assessment.

(7) Submit account opening information.

Just follow the steps on the software!

First of all, it is important to contact the securities account manager. I believe many customers have searched online. It is suggested to contact the account manager first, so as not only to get lower commission and reduce transaction costs, but also to provide VIP access, which can shorten the account opening time and provide account opening services.

Tips for opening an account for Xiaobai (2)-Those things about opening an account

At present, almost all sections can be opened online. The specific conditions for opening road sections are as follows:

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Trade Committee:

1, and the average daily assets in the past 20 trading days are more than 654.38+10,000 yuan; In the past two trading days, the average daily assets were above 6,543,800 yuan (excluding margin financing and securities lending);

2. Have 24 months of experience in securities investment;

3. The risk assessment level is C4/C5.

Committee on Science and Technology Innovation:

1, and the average daily assets in the past 20 trading days are more than 500,000 yuan; In the past 1 trading day, the average daily assets were above100000 yuan (excluding margin financing and securities lending);

2. Have 24 months of experience in securities investment;

3. The risk assessment level is C4/C5;

4. Through the knowledge assessment of the Science and Technology Innovation Committee;

5. The account is in a normal state and there is no special protection.

Convertible bonds:

1, the average daily assets in the last 20 trading days exceeded 1 00000 yuan or the average daily assets in the last1trading days exceeded1000000 yuan (excluding margin financing and securities lending);

2. Have 24 months of experience in securities investment;

3. The risk assessment level is stable and above, namely C3 and above;

4. Pass the knowledge evaluation of convertible bonds.

Margin trading:

1, and the average daily assets in the past 20 trading days are more than 500,000 yuan; In the past 1 trading day, the average daily assets were above100000 yuan (excluding margin financing and securities lending);

2. Have 6 months of experience in securities investment;

3. The risk assessment level is C4/C5;

4. There is no credit account in other brokers or it has been cancelled.

Hong Kong Stock Connect:

1, the average daily assets in the last 20 trading days are more than 500,000 yuan or the average daily assets in the last 1 trading day are more than100,000 yuan (excluding margin financing and securities lending);

2. The risk assessment level is C4/C5;

3. Evaluate options through the knowledge of Hong Kong Stock Connect.

North Exchange:

1. The average daily financial assets in the 20 trading days before the opening of the application authority shall not be less than RMB 500,000, excluding the funds and securities that investors integrate through margin financing and securities lending. Assets that can be included in the assets of individual investors include securities assets opened in China, assets opened by members, funds in investors' capital accounts and other assets recognized by the North Exchange. 2. Securities trading for more than 24 months. Individual investors who participate in the trading of listed stocks, A shares, B shares and depositary receipts in the national share transfer system for small and medium-sized enterprises can be included in the time they participate in securities trading.

3. There is a deep A account with a risk level of C4 or C5.

I am your investment and financial advisor, focusing on customer asset allocation for many years.

Need professional guidance and VIP commission.

Related questions and answers: Can I open an account online with a bank card? First of all, I can open an account with a bank card online. At this stage, all banks can basically apply for credit cards online (open accounts). Let me briefly introduce the basic process of applying for a credit card account online. 1. After entering the application page, select the application area, and the system will list the credit card types that can be applied for in this area. Click Apply Now to enter the information filling page. 2. Be sure to fill in the true and valid application materials when applying, and the bank will make a distinction. 3. After filling in the form and submitting it, the system will automatically conduct a preliminary review and then submit it to the local branch for further review. 4. The online application and the actual written application are basically the same. Must be 18 years old or above, with stable work and repayment ability. Of course, some banks can also handle debit cards online. For example, ICBC applies for a debit card online: 1. Log in to ICBC official website and select "Debit Card Online" in the upper right corner. 2. Select the card market and card type in turn, and click "Apply Online" below it after determining which debit card to choose. 3. After that, just fill in the application materials until the operation steps are completed. I completed the online application for debit card. 4. Note: When operating on a personal computer, make sure that mainstream antivirus software is installed on the computer. 1. Opening an account refers to the abbreviation for opening an account with a bank by a customer. Enterprises, institutions and institutions in China must meet one of the following two conditions when opening relevant accounts in banks: an enterprise unit that implements independent economic accounting or an independent budget accounting unit that prepares financial budgets and final accounts. Approved by the superior competent authority or issued by the administrative department for industry and commerce business license. When a unit applies for opening an account, it must submit an application for opening an account, a certificate approved by the relevant department (collectively owned enterprises must also submit a license or certificate issued by the administrative department for industry and commerce), and a seal card stamped with the official seal of the unit or the official seal of the accounting department and the name of the person in charge. After the bank has passed the examination and approval, it will open relevant accounts, register the account opening and closing register, prepare account numbers, sell various settlement vouchers and handle deposit and withdrawal. When an individual opens a savings account in a bank, it shall be handled in accordance with the Regulations on Savings Deposits. 2. Warm reminder 1. After the card is completed, it will be sent to the outlet you reserved, and you need to pick it up at the outlet. The specific card picking time is subject to SMS. 2./kloc-Minors under the age of 0/6 need a guardian to get the card on their behalf. The guardian should carry his/her ID card, the minor account opening certificate (ID card or household registration book) and the relationship certificate (such as household registration book). (If the registered permanent residence owner is not a parent and cannot prove their relationship, you need to bring a guardianship certificate, such as a birth certificate. )