What are the requirements for opening a bank account?

In order to effectively solve the problem of opening accounts for small and micro enterprises, the People's Bank of China recently issued relevant guidance to guide banking financial institutions to optimize and reshape the bank account management mechanism and process under the premise of controllable risks, effectively guarantee the normal and reasonable account service needs of small and micro enterprises, and help the development of small and micro enterprises.

1. Recently, the bank issued the Guiding Opinions on Doing a Good Job in Bank Account Optimization Service and Risk Prevention and Control for Small and Micro Enterprises, focusing on four aspects: account opening process optimization, account opening service disclosure, account risk prevention and control, and long-term mechanism construction of account opening service, and put forward more than ten opinions.

The second is to encourage banks to implement simple account opening services, electronic license applications, and joint efforts of government and banks to further enhance the convenience of account opening services; Guide banks to improve the transparency of account opening services by publicizing account opening standards, establishing negative lists and unblocking complaint channels; Guide banks to effectively prevent and control account risks through measures such as account classification and grading, accurate identification of suspicious accounts, and investigation of accounts involved; Guide banks to realize the organic unity of service optimization and risk prevention and control by improving quality and efficiency assessment, clarifying the responsibility chain of accounts involved, and carrying out normalized supervision and inspection.

3. In the service window of Baoshan Branch of Guizhou Bank, the person in charge of a company in Guizhou is handling the account opening business. Xinhua News Agency reporter Li Yushe, a person from the People's Bank of China, said that banks should strictly implement various work measures, effectively solve the problem of opening accounts for small and micro enterprises, and reduce the adverse impact of risk prevention and control on normal bank account services. In the next step, the People's Bank of China will guide banks to conscientiously implement the work arrangements proposed in the Opinions, continue to increase assistance to small and micro enterprises, and further optimize the business environment.

4. The People's Bank of China also issued the Guidelines for Simple Account Opening Services for Small and Micro Enterprises and the Guidelines for Negative List of Bank Account Opening Services for Small and Micro Enterprises.

Fourth, in order to further optimize the business environment, promote the reform of "simplifying administration and decentralization, strengthening supervision and improving services", help the development of the real economy, firmly establish the service concept of "paying for the people", actively take effective measures, and further reduce the account opening time and cost of enterprises by publicizing the account opening process, time, expenses and materials, opening telephone reservation channels, supporting simple account opening needs, setting up green channels for small and micro enterprises, and reducing payment and settlement fees. Provide convenient account opening services for enterprises. While improving the service of enterprise account opening, we should carefully verify the rationality of enterprise account opening and the authenticity of account opening intention, constantly strengthen monitoring, strictly control the risk of account opening, and truly achieve "paying for the people and opening an account is not difficult".