【正文】 thority.　?。?） 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.　?。?） 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.　?。?0） 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：　?。?） As for temporary institutions， they shall produce approval for their establishments issued by relevant authorities in residence place.　?。?） As for construction or equipment installation enterprises operating outside their original registration location， they shall produce original copies of their or their parent institutions39。 bank settlement accounts. Banks shall have the right to decline any inquires by institutions or individuals on deposits and other relevant information on bank settlement accounts for institutions， unless stipulated otherwise by the laws and administrative regulations. Banks shall also have the right to decline any inquiries by institutions or individuals on deposits and other relevant information on bank settlement accounts for individuals， unless stipulated otherwise by the laws and administrative regulations.　　Article 10 The People39?！　rticle 6 Opening of basic deposit accounts， temporary deposit accounts， or opening of special deposit accounts by budget units shall be subject to review and approval of the People39。s Republic of China” so as to regulate the opening and use and strengthen management of RMB bank settlement accounts （hereinafter referred to as “bank settlement accounts”） and safeguard economic and financial stability.　　Article 2 These rules are applicable to bank settlement accounts opened by depositors with banks domiciled in China.　　“Depositors” hereinafter refer to government agencies， social organizations， military units， enterprises， public institutions and other organizations （referred as Institutions hereinafter）， selfemployed entities and natural persons that maintain settlement accounts with banks in China.　　Banks in these rules refer to policy banks， mercial banks （including wholly foreignfunded banks， Sinoforeign jointequity banks and branches of foreign banks）， urban and rural credit cooperatives that are approved by the People39。s Republic of China on the People39。人民幣銀行結(jié)算賬戶管理辦法 Administrative Rules for RMB Bank Settlement Accounts中國人民銀行令[2003]第5號頒布日期：20030410 　實(shí)施日期：20030901 　頒布單位：中國人民銀行　　Decree [2003] of the People39。s Bank of China　　April 10， 2003　　Chapter I General Provisions　　Article 1 These rules are formulated according to the “Law of the People39。s Bank of China” and the “Commercial Banking Law of 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.　　（1） 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.　　（2） 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 they are registered or located， except for those allowed by these rules to open bank settlement accounts outside their places of residence （in different provinces， cities or counties）。s Bank of China. With the approval， the bank that is to hold the account shall issue a registration certificate of opening of such an account. However， temporary deposit accounts opened by depositors for the purpose of examination of registered capital requirement pliance are exempted from such a stipulation.　　Article 7 Depositors may make their own choices of banks to open bank settlement accounts. No institutions or individuals are allowed to mand depositors to open bank settlement accounts with designated banks， unless stipulated otherwise by laws， administrative regulations or rules of the State Council.　　Article 8 The opening and use of bank settlement