Big good news: the account opening license is officially cancelled!

I want to tell you a big piece of good news right away. The state has issued an emergency document: the account opening license will be cancelled. In the future, you no longer have to wait as long as half a year to open an account for a company. You can open an account directly. For accountants It will save a lot of working time and no need to run errands, which is another major benefit!

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Congratulations! The state announced that the account opening license has been cancelled! The State Council issued the "About Issuing the Nationwide Deepening of "Decentralization, Delegation, Delegation, Delegation, Regulation and Service" on August 14. "Notice on the Plan for the Division of Key Tasks in the Reform and Transformation of Government Functions via Video and Telephone Conference" (Guobanfa [2018] No. 79). The notice requires that the pilot program for canceling the administrative license for corporate bank account opening be completed before the end of 2018, and the "RMB Bank Settlement Account Management Measures" will be revised in 2019. and related supporting systems, to change bank account opening approval to filing as soon as possible nationwide.

Key points: 1. Release vitality and motivation by streamlining administration and delegating power. Existing approval and licensing matters must be thoroughly demonstrated one by one. Except for projects related to national security and major public interests, those that can be canceled will be resolutely cancelled, those that can be decentralized will be decentralized as soon as possible, and economic activities that can be effectively regulated by the market mechanism will no longer be available. Approvals and permissions retained. Some disguised approval and licensing matters in the name of filing, registration, administrative confirmation, soliciting opinions, etc. must be rectified as soon as possible. 2. Further shorten the business start-up time, reduce the industrial and commercial, taxation, seal engraving, social security and other processes, and change the bank account opening approval to record filing. In the first half of next year, the business start-up time will be reduced to less than 8.5 working days, and within five years it will be reduced to 5 working days. Within. 3. Optimize corporate bank account opening services, complete the pilot program to cancel the administrative license for corporate bank account opening by the end of 2018, and revise the "RMB Bank Settlement Account Management Measures" and related supporting systems in 2019. Change bank account opening approval to filing nationwide as soon as possible.

After banks in the pilot areas review the identity of the enterprise, the authenticity of the account opening intention, and the uniqueness of the basic deposit account in accordance with regulations, they can open basic deposit accounts for qualified enterprises and no longer need approval from the central bank. Simply put, for an enterprise, a basic deposit account (basic account) is necessary for business operations. It is the main account for transfer settlement and cash collection and payment. Enterprises can only open a basic account in a bank, which is the main account for opening other banks. Prerequisites for settlement accounts

Summary: This time the central bank issued a major policy to cancel the account opening license, so that companies no longer have to wait several months to open an account, and there is no need to run errands, which is a great benefit to corporate finance. It's a major benefit, great.

It is no longer difficult to open an account, and the workload of accountants has been greatly reduced. For old accountants and business leaders, what is an account opening license and how to apply for an account opening license is a big impression. This matter happens every year. It takes a lot of effort, but it takes a lot of effort. Let me show you the process of applying for a license and you will know.

About the account opening license, accountants must know: The account opening license is a certificate issued by the People’s Bank of China for opening a basic account. Units that have established basic deposit accounts can use this certificate to handle other financial transactions. To put it simply: if you want to open a company, you must first have a business license. After the company is allowed to open, your company will have financial transactions and accounts. At this time, it needs a wholesale bank account opening license. Without this license, it cannot operate normally.

2. How difficult is it to apply for an account opening license? You will know after reading the process. 1. Is it difficult to apply for the certificate? You will know by looking at the hot searches of netizens. People who have not opened an account transfer will definitely not know. What a pain!

2. After completing the process of applying for the certificate, it is estimated that it will take several months to run errands. The accountant fainted from crying: Flowchart:

According to fans of Accountant Talk, the process of opening an account is The entire process of obtaining a license and basic account, from making an appointment, queuing, and handling, can take as little as a month or as long as several months. The troublesome matter is finally settled.

The fees and materials for applying for a certificate and opening an account: No need to go there anymore

Let’s take a look at the materials first (subject to the basic account):

Three certificates in one Business license (original) Legal representative’s ID card Application form for opening a bank settlement account The company’s official seal, financial seal, and legal representative’s private seal Signing an account management agreement Others need to provide a power of attorney and a copy of the principal's ID card. After applying for the certificate, opening an account requires a fee: just applying for a license is not enough, you also need to have an account (optional). Bank requirements vary from place to place. Generally, customers The manager will let you choose which services you need. For example: The following is the charging standard for opening a basic account at China Construction Bank in Beijing in 2017

Account opening fee (one-time fee of about 100)

Account maintenance fee (about 400 per year)

Online banking (about 1,000 per year)

Electronic receipt counter (about 400 per year)

Settlement card (per year 500 or so)

SMS reminder (about 200 per year)

Password device (one-time charge of about 100, used for on-site counter payment and check)

U Shield (One-time fee is about 60)

... I feel heartbroken after reading this... But there is no need to run errands in the future, and it is easy to apply for a certificate and open an account, which is a great benefit for accountants. It’s better for businesses.

There is one less point in the exam, and the work is easier

As soon as they told each other, the account opening license was cancelled, and there was one less key point in the examination for the party certification!

Congratulations everyone, there is one less point in the accounting exam. Candidates who completed the exam some time ago will no longer take the account opening license knowledge point because it has been cancelled!

The Second State Administration for Industry and Commerce and the State Administration of Taxation have simplified the company cancellation process, making the work easier

The industrial and commercial departments and the taxation departments will further strengthen cooperation to facilitate the registration of enterprises. First, the industrial and commercial department will issue notices of tax-related matters to enterprises through various online and offline methods when registering, reminding enterprises to go to the tax department to handle tax-related matters in a timely manner. Second, the industrial and commercial department has set up a reminder service in the national enterprise credit information publicity system to remind enterprises to promptly go to the tax department to complete tax clearance procedures such as settling tax payable and paying off invoices before the company issues a simple cancellation announcement, so as to increase the simple cancellation approval rate. The third is to set up a simple cancellation commitment letter download module and detailed instructions on the enterprise information filling interface to facilitate enterprises to download and fill it out. At the same time, for companies that fill in the letter of commitment with irregular text and form (such as not uploading the letter of commitment in accordance with the format specified in the "Notice"), the industrial and commercial department can accept the simple cancellation application after the company makes corrections. Fourth, enterprises are allowed to apply to the industrial and commercial department to revoke the simple cancellation announcement within 30 days from the day after the announcement period expires. Enterprises that have revoked the simple cancellation announcement or have the enterprise registration authority make a decision not to grant simple cancellation in accordance with the law can handle industrial and commercial registration matters and related tax-related matters normally. When an enterprise applies for deregistration again, it can only exit the market through ordinary deregistration procedures.

Comprehensively reduce the workload of financial personnel: Like! As soon as the national policy came out, accountants all praised the policy. From the previous one to the accounting certificate settlement subsidy to today's, it has reduced the burden on enterprises and reduced the work of accountants. Quantity, we really pay attention to the accounting people, and the future of accounting will be clearer.