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结算账户的作用
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.
按人民银行统一规定，您在银行办理如下业务时须通过结算账户办理：
·接受他人或单位的资金转入（如代发工资账户、接收他人或单位的汇款）
·给本人名下的其他账户转账汇款（包括本人的活期储蓄账户和结算账户）
·对外转账/汇款（给他人或单位转账汇款）
·刷卡/消费（通过牡丹灵通卡/理财金账户卡刷卡消费或网上购物）
·缴费（缴纳电话费、手机费等）
·投资（购买国债、基金、保险，证券投资等）
·贷款（住房贷款、汽车贷款、信用贷款等多种贷款的发放和偿还）
·办理信用卡、个人支票。
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