2, whose money into whose account, who dominated the principle. When handling the settlement, the bank must pay the money to the designated payee according to the entrustment of the depositor; Unless otherwise stipulated by national laws, depositors' funds must be freely controlled by them.

3. The principle that banks do not make advances. That is, in the process of settlement, the bank is only responsible for the transfer of funds between the two parties to the settlement, and does not assume the responsibility of paying any money in advance.

Extended data:

According to the provisions of the Measures for Payment and Settlement, the basic requirements for units, individuals and banks to handle payment and settlement include:

1. Units, individuals and banks must use bills and settlement vouchers printed in accordance with the unified regulations of the People's Bank of China. Banks do not accept settlement vouchers that do not use the uniform format stipulated by the People's Bank of China.

2. Units, individuals and banks shall open and use accounts in accordance with the Measures for the Administration of RMB Bank Settlement Accounts.

3. The signatures and other recorded items on bills and settlement vouchers shall be true and shall not be forged or altered.

The signatures on bills and settlement vouchers are signature, seal or signature and seal; The signature of the unit or bank on the bill and the signature of the unit on the settlement voucher shall be the official seal of the unit or bank plus the signature or seal of its legal representative or its authorized agent.

4, fill in bills and settlement vouchers should be standardized, so that the elements are complete, the figures are correct, the handwriting is clear, not rotten, not scribbled, to prevent alteration.

The amount, issue date or payee name of bills and settlement vouchers shall not be changed, and the changed bills are invalid; The bank will not accept the changed settlement voucher. The original recorder may make changes to other items recorded in the bills and settlement vouchers, and the changes shall be confirmed by the original recorder's signature at the change place.

The amount of bills and settlement vouchers should be recorded in Chinese capital and Arabic numerals at the same time, and they must be consistent, otherwise the bank will not accept them.

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