【正文】 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 People39。s Bank of China in where they are registered， which prove that they have not opened basic deposit accounts.　?。?） 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.　?。?） 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 selfemployed 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 selfemployed entities that have no brand name shall prise characters of “Selfemployed 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 People39。s Bank of China to engage in payment and settlement business in China.　　Bank settlement accounts in these rules refer to RMB demand deposit accounts opened by banks for depositors to effect payment and settlement of funds.　　Article 3 Bank settlement accounts may be classified on the basis of the nature of depositors into bank settlement accounts for institutions and bank settlement accounts for individuals.　?。?） A bank settlement account opened by a depositor in the name of an institution is a bank settlement account for institution. Based on their uses， bank settlement accounts for institutions may be divided into basic deposit accounts， general deposit accounts， special deposit accounts and temporary deposit accounts.　　Bank settlement accounts opened by selfemployed entities with the brand of their products or the name of the owner appeared in the business license shall be managed as bank settlement accounts for institutions.　?。?） A bank settlement account opened by a natural person depositor with his or her ID is a bank settlement account for individual.　　Banking accounts opened by postal savings institutions to conduct banking card business shall be managed as bank settlement accounts for individuals.　　Article 4 A depositor opening bank settlement accounts for institutions may only keep one basic deposit account in banks.　　Article 5 Depositors shall open bank settlement accounts in the place where th