（2） Funds for technology upgrading. (来源：专业英语学习网站 http://www.EnglishCN.com)

　　（3） Extra budgetary funds.

　　（4） Funds for procurement of grain， cotton and edible oil.

　　（5） Settlement funds for securities transactions.

　　（6） Margin funds for futures trading.

　　（7） Trust funds.

　　（8） Interbank deposits of financial institutions.

　　（9） Funds for policy encouraged real estate development.

　　（10） Deposit reserves for banking cards of enterprises.

　　（11） Housing provident funds.

　　（12） Social security funds.

　　（13） Surrendered proceeds and funds for business spending.

　　（14） Operational funds for offices of the Party， the Youth League and the Trade Union institutions.

　　（15） Other funds that need to be separately managed and used.

　　Surrendered proceeds and funds business spending refer to income and expenses of non-financially independent subsidiaries detachments affiliated with or of the depositors that own basic deposit accounts.

　　Special deposit accounts opened for surrendered proceeds and funds for business spending shall use the name of the parent institution.

　　Article 14 Temporary deposit accounts are bank settlement accounts opened by a depositor for temporary need and to be used in a limited period of time. Depositor may apply for opening of temporary deposit accounts on the following occasions：

　　（1） Establishment of temporary institutions.

　　（2） Temporary operations in different places.

　　（3） Examination of registered capital requirement compliance.

　　Article 15 Bank settlement accounts for individuals are deposit accounts opened by natural persons for investment， consumption and settlement purpose， which may be used to carry out payment and settlement businesses. A depositor may apply for opening of bank settlement accounts for individuals on the following occasions：

　　（1） Using credit payment instruments such as checks and credit cards.

　　（2） Conducting settlement business such as remittance， regular credit， regular debit and debit card business.

　　A natural person may either apply for opening of bank settlement accounts for individuals according to his or her own needs， or select an existing saving account as a bank settlement account for individuals after applying to the account-holding bank and get its permission.

　　Article 16 A depositor may open bank settlement accounts outside its place of residence on any of the following occasions：

　　（1） Places of business registration and operation are in different administrative areas （different provinces， cities， counties）， which entails the need of opening of basic deposit accounts.

　　（2） Borrowing from other places or conducting other settlement， which need to open general deposit accounts.

　　（3） A depositor needs to open special deposit accounts for surrendered proceeds or business spending of its non-financially independent subsidiaries or detachments.

　　（4） Conducting temporary business operation outside its place of residence that need to open temporary deposit accounts.

　　（5） A natural person that needs to open bank settlement accounts for individual used outside its place of residence.

　　Article 17 When applying for opening basic deposit accounts， a depositor shall produce documents according to the following rules：

　　（1） If the depositor is an enterprise that is a legal entity， it shall present the original copy of the business license for a legal entity.

　　（2） If the depositor is an enterprise that is not a legal entity， it shall present the original copy of the business license for an enterprise.

　　（3） Government agencies and public institutions that are included in the budget process shall produce approval letters or certificates of registration issued by the personnel department or staffing quota commission of the government， and permission issued by fiscal agencies. Public institutions that are not included in the budget process shall produce approval letters and certificates of registration issued by the personnel department or staffing quota commission of the government.

　　（4） Military units， armed police units at or above regimental level and detachments on separate missions shall present certificates of account holding by the treasury departments in units that are above army level or in headquarters of the armed police.

　　（5） Social organizations shall produce their registration certificates， while religious organizations shall produce approval letters or certificates issued by religious affairs administration authorities as an addition.

　　（6） Private non-enterprise organizations shall produce registration certificates for private non-enterprise organizations.

　　（7） Resident offices outside their places of residence shall produce approval letters issued by the government of where they are located.

　　（8） Resident offices in China of international organizations shall produce approval letters or certificates issued by relevant Chinese authorities； representative offices or operational branches of foreign companies shall produce registration certificates issued by the Chinese registration agencies.

　　（9） Self-employed entities shall produce original copies of their business licenses.

　　（10） Community agencies shall produce approval letters and certificates issued by relevant authorities.

　　（11） Financially independent subsidiaries shall produce registration certificates for opening of basic deposit accounts and approval letters issued to entities to which they are affiliated.

　　（12） Other organizations shall produce approval letters or certificates issued by relevant authorities.

　　Depositors in this Article that are taxpayers and engaged in productive and commercial activities shall， in addition， produce tax registration certificates issued by the taxation authority.

　　Article 18 When applying for opening general deposit accounts， a depositor shall produce relevant documents according to the following requirements， in addition to the documents required for opening basic deposit accounts and the registration certificate of opening basic deposit accounts：

　　（1） If in need of borrowing from banks， the depositor shall produce borrowing contracts.

　　（2） If for the purpose of conducting other settlement， the depositor shall produce relevant documents.

　　Article 19 When applying for opening special deposit accounts， a depositor shall produce relevant documents according to the following requirements， in addition to the documents required for opening basic deposit accounts and the registration certificate of opening basic deposit accounts：