People who just start to set up a new company,might still be confused with the significance of having a company banking account.
刚开始成立新公司的时候，很多创业者可能会对公司银行账户的重要性感到疑惑。
Today HONEST would like to tell you with the difference between a company account and a personal one,more over,its significance!
今天一哥宝袋就告诉你公司银行账户和个人银行账户的不同之处。
Significance
The essence between company accounts and personal accounts is that the company account is used to operate the entire company's economic activities, and the personal account is the account that we usually have access to.
公司账户和个人账户之间的区别在于公司账户是用来操作整个公司的经济活动，而个人账户是我们日常生活中使用的账户。
If a company has business revenue, then it must open a bank account.Because when the tax bureau is deducting taxes, the tax amount should be deducted from basic account of the company.
如果公司有了营业收入，就必须要开设公司银行账户。因为税务局扣缴的税款是从公司基本账户里扣除的。
Crucial Difference:
Bank Vouchers Kept For Accounting
o use the company account, you just need to put all your usual sales revenues or expenses through its basic account. Expenses include employee salaries, your petty cash, travel expenses, purchase orders for goods, and so on.
公司运营的款项来自与公司账户的业务收款。这些款项包含了小额现金，差旅费，货物采购订单等。
These expenses you could draw by checks, which are classified into cash checks and transferred checks. The wages, petty cash, travel expenses are drawn by cash checks while the payment of goods would be drawn by transferred checks.
这些款项可以通过支票抽取，分为现金支票和转账支票。工资，小额现金，差旅费用现金支票支付，而支付货款则由转账支票提取。
It means that once your company has an economic activity, your money will be done through the company's basic bank account.Unless you have reasonable causes or company proof, money deposited in the company account could not be withdrawn or transferred to personal accounts freely.
这意味着一旦你的公司有一个经济事项，你的钱将会通过公司银行账户完成。除非你有合理的理由或公司证明，否则存入公司账户的资金不能自由提取或转入个人账户。
Other Difference
Besides from the essential differences mentioned above, the company account still have a variety of differences from the personal account in the following ways:
除了上面提到的本质区别，公司账户和个人账户还有各种各样的差异之处：
❶The main body of the company account is the company, while the one of personal account isnatural person.
公司账户的主体是公司，个人账户是自然人。
❷The approval authority for the company account is the People's Bank of China (the supervision unit for all commercial banks), while the one for personal account is delegated to the commercial banks.
公司账户的审批权限为中国人民银行（所有商业银行的监督单位），个人账户的授权权限授予商业银行。
❸The certificate carrier for the company account is "Bank Account Opening License", which provides information such as company's name, company account number, company director, and account-opening bank; while the one for personal account is usually a bank card or bankbook.
公司账户的证书承运人是“银行账户开户许可证”，提供公司名称，公司账号，公司董事，开户银行等信息; 而个人帐户通常是银行卡或银行存折。
❹When withdrawing money from the company account, you would need to present the company's financial seal and personal seal; while personal account is debited with a password.
从公司账户提款时，需要出示公司的财务印章和个人印章 ; 而个人帐户是通过密码进行扣款的。
The importance of bank account
1.To deal with social security and provident fund, a company account is also needed.
办理社保、住房公积金都需要对公账户。
2.To issue an invoice, a company account is needed, while taxes are also deducted from company account.Therefore, after opening a company account, a tax deduction agreement with the account opening bank should be signed.
开发票需要对公账户，扣税也是在对公账户扣，所以开完对公账户，还需要到银行签扣税协议。
3.Many customers will require a company account for payment receiving and paying.
很多客户会要求用公司账户进账、出账。
4.For import and export business, first of all,a company account is needed to handle import and export operation right.
After getting import and export Right and certificate, it can open usd company account in bank.
进出口贸易，首先要办理对公账户才能办理进出口经营权。拥有进出口经营权后，则可申请办理美金账户。
How to handle company account
To open a company account, legal representative of the company shall go to the bank in person. Besides, the legal representative should not have credit stains.
开设公司账户需法定代表人亲自前往，且要求法定代表人没有征信污点。
Generally, after opening a company account in a bank, the newly established company should enter the record of the account at Tax Bureau.Both basic account and general account should be recorded.
一般新设公司在银行办完公司账户之后需要到税局对基本户和一般户进行备案。
HONEST has a experienced special team,help many foreigner friends in the business on the road before the worry!
一哥宝袋拥有一支经验丰富的专家团队，可以在最快的时间帮助外商朋友解决公司账户问题，让你在创业路上无忧前行！