Question 2: What types of investors in securities accounts need to entrust securities companies to buy stocks in the securities circulation market and "open accounts" with each other, that is, investors sign "entrustment contracts" with securities companies.
Securities companies should conduct necessary investigations in advance for investors to open accounts. For example, Rule 405th of new york Stock Exchange stipulates that its member brokerage companies should try their best to know the basic information of each customer and master the contents of the trading instructions received. If it is difficult for a securities company to know the customer's situation, it may require the customer to pay a deposit or ask the other party to find a bank guarantee. Its purpose is to ensure the safety and reliability of customers' credit, so that securities transactions can be carried out smoothly.
Usually, when you open an account, you should fill in the "Securities Entrusted Trading Contract". The contents include the client's name, gender, age, native place, occupation, address, service organization, position, telephone number, ID number and signature and seal. At the same time, the securities company will check the customer's ID card, compile the account number, fill in the "account opening card" and give it to the customer. In addition, customers should make necessary explanations for stock trading.
When opening an account, the securities company also provides customers with the required account type.
1. Cash account: After buying securities, the customer who opens this account shall pay off all the stock purchase price before the liquidation date. Similarly, after the sale of shares, the shares should also be delivered to the judge on or before the liquidation date. The specific date of the liquidation day is usually stated in the "transaction notice" sent to customers. In the United States, the fifth business day after the trading day is the liquidation day.
2. Margin account: also known as general account. When customers buy securities, securities companies will provide some financing to investors in the form of prepaid capital, and charge interest on the prepaid capital. For example, it is stipulated that the margin ratio of an account is 65%, which means that merchants should pay 65% of the securities price immediately when purchasing securities. The remaining 35% of the price, and pay interest. Interest is converted according to the borrowing cost provided by the securities.
3. Joint account: two or more investors open an account in a securities company in partnership. This kind of hukou is suitable for both husband and wife or father-son relationship.
4. Anytime account: When opening this account, the customer gives the securities company priority in writing, and agrees that the securities company will not negotiate with investors to conduct transactions, and the trading object, stock price, quantity and trading time are all selected by the securities company. Of course, brokers should take the premise of not harming the interests of customers.
In many countries, investors can only open accounts in securities companies when they reach the legal age. In Europe and America, the contractual behavior of minors is not legally binding, so minors can hold shares in name, but only parents can trade in the name of guardians.
Question 3: What's the difference between Class I and Class II bank accounts?
Class I accounts are full-featured accounts, which are also known as debit cards. Can handle deposits, transfers, consumer payments, purchase investment and wealth management products, cash withdrawals, etc. And the use range and dosage are not limited. Personal wage income, large transfer, bank-securities transfer, and payment and payment of medical insurance, social insurance, pension, provident fund and other businesses must be handled through Class I households.
Type II households can make deposits, purchase financial products such as investment and wealth management products, restrict consumption and payment, and restrict transfer to unbound accounts. If the identity is confirmed by the bank staff in person through the bank counter and self-service equipment, Class II households can also handle cash deposit and withdrawal, fund transfer in unbound accounts, bank card issuance and other businesses. Among them, the daily cumulative limit of transferring cash to unbound accounts by Class II households is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan; The daily cumulative total limit of consumption payment, transfer to unbound account and cash withdrawal is 6,543,800 yuan, and the annual cumulative total limit is 200,000 yuan.
Class III households can handle limited consumption and payment, and limit the transfer to unbound accounts. If the identity is confirmed by the bank staff in person through the bank counter and self-service equipment, Class III households can also handle the transfer of unbound account funds into the business. Among them, the balance of Class III account does not exceed 65,438+0,000 yuan; The daily cumulative limit of funds transferred to unbound accounts is 5,000 yuan, and the annual cumulative limit is 65,438+10,000 yuan; The daily cumulative limit of consumption, payment and transfer to unbound accounts totals 5,000 yuan, and the annual cumulative limit totals 654.38+10,000 yuan.
Question 4: How many types of bank accounts are there? What's the difference between them ~ 1 Personal account (standard account)
The application, deposit and transaction are all completed by one person. I applied for withdrawal. The account holder may entrust a trading agent to trade the account, and may apply for multiple sub-accounts.
2. Joint account
By two people * * * trading account and account, suitable for friends and relatives. You can deposit money from your respective bank accounts or joint bank accounts, and you need to sign the withdrawal slip for approval. A joint account may designate a trading agent to trade on its behalf.
3. Institutional accounts
Institutional accounts are divided into partner accounts and company accounts, which are designed for partner institutions or registered companies respectively. Such accounts need to specify a trading agent. The trading agent only has the right to trade the account, and can't touch the funds in the account, including deposits and withdrawals. The account application form cannot be submitted online. Need to print, fill in and submit by fax or scan.
4. Fund Manager -MOA (multi-option account)
Fund managers can choose MOA account to manage two or more independent accounts. These independent accounts have their own independent orders and profits and losses. Fund managers can manage different accounts on the same platform at the same time by logging in once. The applicant must indicate the trading agent in the application form. Trading agent submits MOA
Question 5: What kind of account should the company open? The company can open four kinds of accounts: basic deposit account, general deposit account, special deposit account and temporary deposit account. The latter three are also called auxiliary accounts.
Basic deposit account can only open one account. The account name must be the company name, which can be used for cash withdrawal and transfer of general business settlement.
Mentors are not allowed to withdraw cash directly, but they can handle the transfer business.
Generally speaking, a company can only set up one basic account, and if necessary, it can open several other accounts according to the actual situation.
Question 6: What types of bank accounts do companies have? There are generally four kinds.
1, basic deposit account, used for enterprise cash deposit and withdrawal and bank payment. A company can only have one basic deposit account.
2. Ordinary accounts can only be used for receipt and payment of bank deposits, and cash cannot be withdrawn. A company can have many ordinary families.
3. Open temporary accounts, mainly capital verification accounts, for capital verification. After the capital verification is completed, the funds will be transferred to basic deposit account, and then the account will be cancelled.
4. Specialized users, such as accounts opened by enterprises to buy and sell stocks in the stock market, such as provident fund accounts.
Question 7: What are the account types of French banks? Generally, there are two accounts, and each account has different interest rates and requirements.
The most commonly used one is livre courant, which is basically a current account. You can withdraw money, deposit money and write checks at any time. There is no interest and no minimum deposit requirement.
The second most common one is LIVRE A, which is usually a savings account. There is interest on saving money, and there is generally a minimum deposit requirement, ranging from 100 to 1000 euros. This account cannot be used for direct consumption or deposit.
Courant account is an account that can receive and pay directly. Account A can only be transferred into and out of the account through courant account, online banking or going to the bank counter. In other words, even if the card is lost and the password is lost, the other party can only take the money in courant account at most, but the money in A account cannot be taken away.
There are three points to note:
1, there are basically two types of accounts, and each bank has a different name, but in the final analysis, this is the case. Everyone usually opens these two accounts directly when opening an account. Some banks have other accounts, such as livre jeaune, which is an upgraded version of Livre A. Generally, this kind of account is only for specific people and has the highest deposit limit, but the interest rate is higher than that of ordinary accounts. For example, the interest rate of livre jeaune of LCL is twice that of livre A, but the online deposit is 1000 Euro.
There is no domestic credit card in France, and a credit card is a savings card. Credit cards in France are paid in francs. Generally speaking, according to the basic situation of cardholders, the French have restrictions on consumption and overdraft limit, which is 200 euros for students and 0/000 euros for adults. If you have money in LIVRE A, but no money in LIVRE COURANT, the bank will not use the money in LIVRE A, but your overdraft limit. However, once the overdraft limit is used, even if it is 1 euro, the handling fee will be charged on a daily basis. For example, LCL will deduct 1% of the overdraft amount every day, with a minimum of 2 euros and a maximum of 20 euros, while HSBC will charge 5 euros for each overdraft. Therefore, you should handle the relationship between the two accounts of your bank card, and the message should not be charged a handling fee.
In France, bank card number and bank card account are two different things. Many cards can be hung under one account. For example, one of the husband and wife has an account and the other has no independent card. Please refer to the domestic supplementary card for details.
Question 8: What are the different types of foreign exchange accounts? Dear, there are four kinds of foreign exchange accounts, standard accounts, platinum accounts, protected accounts, interest-free accounts and so on. Among them, the minimum deposit of standard account type is 100 USD, the minimum transaction volume is 2,500 USD, and the leverage is as high as 1 to 400 USD. It is the most convenient trading account for beginners. Platinum account has a minimum deposit of $2,000, a minimum transaction volume of 10000 and a leverage of 1 to 400. It is the most convenient trading account for people with foreign exchange trading experience. The minimum deposit of the guaranteed account type is 100 USD, the minimum transaction volume is 2 USD, and the leverage is as high as 1 to 100. No loss, unlimited profit. Interest-free account type has a minimum deposit of 100 USD, a minimum transaction volume of 2.5k USD, and a leverage of 1 to 400 USD. Zero loss, unlimited profit.
I hope I can help you, and I hope to adopt it!
Question: How many account types are there in Windows7? Before setting up a user account, you need to know how many account types there are in Windows 7. Generally speaking, there are three types of Windows 7 user accounts.
1. Administrator account: The administrator account of the computer has control over the whole system, can change system settings, can install and delete programs, and can access all files on the computer. In addition, it has the right to control other users. There must be at least one computer administrator account in Windows 7. When there is only one computer administrator account, the account cannot change itself into a restricted account.
2. Standard user account: A standard user account is an account subject to certain restrictions. You can create multiple such accounts in the system or change their account types. This account can access the programs already installed on the computer, and can set the picture and password of its own account, but it has no right to change the settings of most computers.
Guest account: Guest account is for those who don't have a user account on board. Fox is just a temporary account. It is mainly used for remote login of online users accessing computer systems. Guest account only has the lowest authority, and there is no password, so no changes can be made to the system. Silk alcohol? Information input.
Question 10: What does the account type mean? 20 points are divided into basic account, temporary account, special account and general account.
Generally, cash can be withdrawn from basic account or temporary accounts (temporary institutions only have temporary accounts, such as XXX project department of construction company). Withdrawals from special accounts are relatively small and must be approved by the People's Bank of China. Ordinary account cannot be withdrawn.