According to the unified regulation of PBC, the following businesses must be handled at banks through the personal settlement account:
-Accepting inward fund transfer from any other person or unit （such as agency salary payment account, accepting remittance from any other person or unit）;
-Money transfer from any other account under its own name （including its own current saving account and settlement account）;
-Outward account transfer and remittance （money transfer to any other person or unit）;
-Credit card consumption （consumption and online shopping through Peony Money Link Card or "Elite Club" account card）;
-Payment of charges （for telephone fee and mobile phone fee）;
-Investment （T-bond, funds, insurance and securities purchase）;
-Loan （the granting and repayment of various loans including housing loan, auto loan and unsecured loan）;
-Handling credit card or personal check.
按人民銀行統(tǒng)一規(guī)定，您在銀行辦理如下業(yè)務時須通過結(jié)算賬戶辦理：
－接受他人或單位的資金轉(zhuǎn)入（如代發(fā)工資賬戶、接收他人或單位的匯款）
－給本人名下的其他賬戶轉(zhuǎn)帳匯款（包括本人的活期儲蓄賬戶和結(jié)算賬戶）
－對外轉(zhuǎn)賬/匯款（給他人或單位轉(zhuǎn)賬匯款）
－刷卡/消費（通過牡丹靈通卡/理財金賬戶卡刷卡消費或網(wǎng)上購物）
－繳費（繳納電話費、手機費等）
－投資（購買國債、基金、保險，證券投資等）
－貸款（住房貸款、汽車貸款、信用貸款等多種貸款的發(fā)放和償還）
－辦理信用卡、個人支票
-Accepting inward fund transfer from any other person or unit （such as agency salary payment account, accepting remittance from any other person or unit）;
-Money transfer from any other account under its own name （including its own current saving account and settlement account）;
-Outward account transfer and remittance （money transfer to any other person or unit）;
-Credit card consumption （consumption and online shopping through Peony Money Link Card or "Elite Club" account card）;
-Payment of charges （for telephone fee and mobile phone fee）;
-Investment （T-bond, funds, insurance and securities purchase）;
-Loan （the granting and repayment of various loans including housing loan, auto loan and unsecured loan）;
-Handling credit card or personal check.
按人民銀行統(tǒng)一規(guī)定，您在銀行辦理如下業(yè)務時須通過結(jié)算賬戶辦理：
－接受他人或單位的資金轉(zhuǎn)入（如代發(fā)工資賬戶、接收他人或單位的匯款）
－給本人名下的其他賬戶轉(zhuǎn)帳匯款（包括本人的活期儲蓄賬戶和結(jié)算賬戶）
－對外轉(zhuǎn)賬/匯款（給他人或單位轉(zhuǎn)賬匯款）
－刷卡/消費（通過牡丹靈通卡/理財金賬戶卡刷卡消費或網(wǎng)上購物）
－繳費（繳納電話費、手機費等）
－投資（購買國債、基金、保險，證券投資等）
－貸款（住房貸款、汽車貸款、信用貸款等多種貸款的發(fā)放和償還）
－辦理信用卡、個人支票