（1） As for depositing funds of capital construction， technology upgrading， policy encouraged real estate development， housing provident funds and social security funds， the depositor shall produce approval documents of relevant authorities. (来源：英语杂志 http://www.EnglishCN.com)

　　（2） As for depositing extra budgetary funds， the depositor shall produce approval of fiscal agencies.

　　（3） As for depositing funds for procurement of grain， cotton and edible oil， the depositor shall produce approval of relevant authorities.

　　（4） As for depositing reserve funds of institutions for banking card transactions， the depositor shall produce relevant documents according to the rules on banking card transactions approved by the People's Bank of China.

　　（5） As for depositing settlement funds for securities transactions， the depositor shall produce certificates issued by securities firms or the securities supervisory authority.

　　（6） As for depositing margin funds for futures trading， the depositor shall produce certificates issued by futures firms or the futures supervisory authority.

　　（7） As for interbank deposits of financial institutions， the depositor shall produce relevant certificates.

　　（8） As for depositing surrendered proceeds and funds for business spending， the depositor shall produce relevant certificates of the depositors holding basic deposit accounts.

　　（9） As for depositing operational funds for offices of the Party， the Youth League and the Trade Union in institutions， the depositor shall produce approval documents or certificates issued by these institutions or relevant authorities.

　　（10） As for depositing other funds required to be managed or used separately， relevant copies of laws and regulations or relevant documents of government shall be produced.

　　Article 20 Special RMB account and RMB fund settlement accounts opened by qualified foreign institutional investors （QFII） for the convenience of domestic securities investment shall be managed as special deposit accounts. A QFII shall produce approval issued by the State Administration of Foreign Exchange for opening special RMB account， and in the case of opening RMB fund settlement account， the business license for securities investment issued by the securities authority is required.

　　Article 21 When applying for opening temporary deposit accounts， a depositor shall produce relevant documents to banks according to the following rules：

　　（1） As for temporary institutions， they shall produce approval for their establishments issued by relevant authorities in residence place.

　　（2） As for construction or equipment installation enterprises operating outside their original registration location， they shall produce original copies of their or their parent institutions' business licenses， and permission issued by local construction/equipment installation authorities or contracts of construction/equipment installation.

　　（3） As for institutions engaged in temporary operations outside their original registration location， they shall produce original copies of their business licenses and approval issued by local administration bureaus of industry commerce.

　　（4） As for funds deposited for registration and examination of capital requirement compliance， the depositor shall produce Notice of Advance Approval of Enterprises' Names issued by the administrative authorities of industry commerce or approval of other relevant authorities.

　　Depositors that fall into section （2） and （3） shall， in addition， produce their registration certificates for opening of basic deposit accounts.

　　Article 22 When applying for opening of bank settlement accounts for individuals， depositors shall produce ID cards to banks according to the following rules：

　　（1） Residents of China shall produce ID cards or temporary ID cards.

　　（2） Military units servicemen shall produce their army ID cards.

　　（3） Armed Police shall produce their armed police ID cards.

　　（4） Residents of Hong Kong， Macau and Taiwan shall produce valid ID cards issued by the state immigration/emigration authorities.

　　（5） Foreign citizens shall produce passports.

　　（6） Other valid certificates stipulated by laws， regulations and relevant state documents.

　　When opening bank settlement accounts for individuals， banks may also require applicants to produce other valid certificates accordingly， including certification of permanent residence registration （Hukou）， driving licenses or passports.

　　Article 23 When a depositor needs to open bank settlement accounts for institutions outside their original registration location， relevant certificates shall be provided according to the following rules in addition to the relevant documents required to be submitted in Article 17， 18， 19， 20 of these rules：

　　（1） Depositors that are registered and operating outside their administrative places， when opening basic deposit accounts outside their original registration location， shall produce certificates issued by branch office（s） of the People's Bank of China in where they are registered， which prove that they have not opened basic deposit accounts.

　　（2） Depositors that borrow from outside their original registration location， when opening general deposit accounts outside their places of residence， shall produce borrowing contracts proving they have got loans from that location.

　　（3） Depositors to effect proceeds surrender and business spending outside their original registration location due to operational needs， when opening special deposit accounts in that location， shall produce relevant certificates of their parent institutions.

　　Depositors that fall into Section （2）， （3） of this Article shall， in addition， produce their registration certificates of opening of basic deposit accounts.

　　Depositors that need to open bank settlement accounts for individuals outside their original registration location shall produce certificates required by Article 21 of these rules.

　　Article 24 Titles that institutions use to open bank settlement accounts shall be consistent with those they provide in their certificate documents for application for opening of accounts. A self-employed entity with a brand name shall ensure consistence of the title of its bank settlement account and the brand name recorded in its business license. Titles of bank settlement accounts opened by self-employed entities that have no brand name shall comprise characters of “Self-employed Entities” and “names” of the owners recorded in their business licenses. Titles of bank settlement accounts opened by natural persons shall be consistent with names in the valid ID certificates provided.

　　Article 25 When a bank opens a general deposit account， an special deposit account or a temporary deposit account for a depositor， it shall inform the bank that holds the basic deposit account for that depositor within 3 working days after the opening of such accounts.

　　Article 26 Applications for the opening of bank settlement accounts for institutions may be filed by the legal person or head of the applying institution， or other people authorized by that institution.

　　If it is the legal entity or head of the institution that files the application， in addition to required certificates， he or she still needs to produce his or her ID card. In the case of other people authorized by the institution， in addition to the required certificates， he or she still needs to produce authorization issued by and the ID card of the legal entity or head of that institution， as well as his or her own ID card.

　　Article 27 When applying for opening of bank settlement account， a depositor shall fill the application form for opening of such account. The application form is to record relevant information required by the People's Bank of China.

　　Article 28 Banks shall carefully verify the authenticity， integrity and regulatory compliance of certificate and filled-in information in the application form.

　　When the application form is filled completely and meets the requirements for opening a basic deposit account， a temporary deposit account or an special deposit account of a budget unit， the bank shall send to the local branch office of the People's bank of China the filled application form， the required certificates and review conclusion of the bank and go on with the opening account process after being approved by the local branch office of the People's Bank of China. As to applications that meet the requirements for opening general deposit accounts， other special deposit accounts or bank settlement accounts for individuals， banks shall carry out the opening account process right away and file the case with the local branch office of the People's Bank of China within five working days after the opening of such accounts.

　　Article 29 The People's Bank of China shall review the regulatory compliance of the documents submitted for opening basic deposit accounts， temporary deposit accounts and special deposit accounts of budget units within two working days. It shall approve those eligible applications， while sign and return those ineligible application forms along with the submitted certificates back to the bank.

　　Article 30 When opening a bank settlement account for a depositor， the bank shall sign an agreement with the depositor on the management of that bank settlement account， defining rights and obligations of either party. It shall also keep cards that contain the stamp or signature of the depositor and keep files of the original copies or duplicates of the stamp or signature and required certificates.

　　Article 31 Registration certificates of opening accounts are the valid proof containing information on bank settlement accounts for institutions. Depositors shall use these certificates in accordance with these rules and keep them in safe place.

　　Article 32 When opening general deposit accounts， special deposit accounts or temporary deposit accounts for depositors， banks shall record on the registration certificates of basic deposit accounts names of the accounts， numbers of the accounts， nature of the accounts， banks to hold the accounts and the opening date of the accounts and stamp on it. Temporary deposit accounts that are opened by temporary institutions or in need of registration and examination of capital requirement compliance are exempted from this requirement.