Chapter III Use of Bank Settlement Accounts (来源：老牌的英语学习网站 http://www.EnglishCN.com)

　　Article 33 Basic deposit account is the principal account for a depositor. Funds receipt and payment in depositors' day-to-day operations， as well as withdrawal of salary， bonus or cash， shall all be conducted through this account.

　　Article 34 General deposit account is to be used for depositing borrowing proceeds， repaying debt and other settlements. Such an account may be used to surrender cash， but is prohibited from being used to withdraw cash.

　　Article 35 Special deposit account is to be used for receipt and payment of various earmarked funds.

　　Funds deposited in enterprise banking card accounts shall only be transferred from the basic deposit accounts and are not allowed to be used for cash receipt and payment.

　　Cash withdrawal is not allowed from special deposit accounts for extra budgetary funds， settlement funds of securities transactions， margin funds for futures trading and trust funds.

　　If depositors need to withdraw cash from accounts set for depositing funds of capital construction， technology upgrading， policy encouraged real estate development or interbank deposits of financial institutions， they shall apply for approval of the local branch office of the People's Bank of China when applying for opening such accounts. The local branch office of the People's Bank of China shall review and approve the applications according to rules on cash management.

　　Cash withdrawal from special deposit accounts for depositing social security funds， housing provident funds and funds for procurement of grain， cotton and edible oil shall be carried out in accordance with rules on cash management.

　　Accounts set for depositing proceeds surrender are not allowed to conduct payment transactions except for transferring funds to the basic deposit accounts or special deposit accounts for extra budgetary funds. No cash withdrawal is allowed. Accounts for effecting business spending are not allowed to receive funds except for funds transferred from the basic deposit accounts. Cash withdrawal from such accounts shall be conducted in line with rules on cash management.

　　Banks shall reinforce surveillance according to these rules and rules on management and use of funds for procurement of grain， cotton and edible oil. Banks shall not conduct funds receipt and payment and cash withdrawal that are in violation of relevant rules and regulations. However， banks are not responsible for supervising the use of other earmarked funds.

　　Article 36 Temporary deposit accounts are to be used for funds receipt and payment resulted from temporary operations by temporary institutions or depositors.

　　The validity period of temporary deposit accounts shall be determined according to the validity period defined in the relevant certificate for opening of such accounts， as well as the need of the depositors. If depositors need to extend the validity period while using such accounts， they shall apply to the bank that holds the account during the validity period. Then the bank shall submit such applications to the local branch office（s） of the People's Bank of China and make the extension upon approval. Validity period of temporary deposit accounts shall not be longer than two years.

　　Cash withdrawal from the temporary deposit accounts shall be conducted in accordance with relevant rules on cash management.

　　Article 37 Temporary deposit account opened for depositing funds for registration and examination of capital requirement compliance may only be used to receive funds （not to disburse funds） during the examination period. The name of the person who provides such funds shall be the same as that of the investor.

　　Article 38 In the case of depositors opening bank settlement accounts for institutions， such accounts may only be used to conduct payment transactions three working days after their opening. However， conversion of a temporary deposit account for registration and examination of capital requirement compliance into a basic deposit account， as well as a general deposit account opened to deposit borrowing proceeds， are exempted from this restriction.

　　Article 39 Bank settlement accounts for individuals are to be used to conduct individuals' receipt and disbursement of fund transfers， as well as cash deposit and withdrawal. Following funds are allowed to be transferred to bank settlement accounts for individuals：

　　（1） Income of salary and bonus.

　　（2） Writer apos；s remuneration and performance remuneration of actors.