The difference between personal business and corporate business

First, the account-opening subject is different from the required documents: the account-opening subject of personal business is an individual, and you only need a personal ID card to open an account; The account opening subject of corporate business is enterprise or government, and the account opening needs corresponding business license or organization code certificate, seal, etc.

second, the business scope and process are not exactly the same: for corporate business, it is necessary to apply for an account opening license, and there are often businesses such as reconciliation and checks, and the operation process is more complicated; Personal business is relatively simpler;

third, the responsibility is different: individuals are responsible for personal business, while enterprises or government departments are responsible for public business. A depositor shall open a bank settlement account with a real name, and shall be responsible for the authenticity of the substantial contents of the application materials for account opening (change or cancellation) issued by him, unless otherwise stipulated by laws and administrative regulations.

extended information

looking at the development of global banking, based on credit services, the company's business has roughly experienced three important stages: commodity flow-related services, capital flow-related services and capital flow-related services. Accordingly, the product portfolio has also experienced the continuous deepening development vertically and horizontally, and gradually formed a comprehensive, comprehensive and three-dimensional corporate financial service product system from the initial traditional businesses such as credit and settlement.

1. "Credit business" will, as always, be an important cornerstone for the development of corporate banking business.

second, "trade finance" is a typical representative of services related to commodity flow. It is from the commodity flow service-trade financing and settlement-that banks start their business.

third, "cash management" is a typical representative of services related to capital flow. It is a transitional link for banks to complete the transfer from credit service to non-credit service and from traditional business to capital market business. The main customers of this service are large and medium-sized enterprises.

Reference: Baidu Encyclopedia-Corporate Banking