Science: what is a Bank of India corporate account?www.deekpay.com

什么是印度银行公司账户？

印度公司账户是指以公司名义开设的银行账户。该账户可以接收业务收入并促进各种业务交易。公司账户为企业提供了包括纳税申报、信贷和贷款、自动付款等功能。

印度公司银行账户与商业银行账户的区别

通常，人们认为公司账户与商业银行账户相同。公司账户和商业账户本质上是用于处理业务收入和支出的银行账户。但是，它们在服务的业务规模上略有不同。

虽然“商业账户”是指商业实体（包括独资企业、合伙企业和有限责任公司）的银行账户的广义术语，但“公司账户”通常是指中大型公司的商业账户。

此外，公司账户的开户成本可能更高，最低余额要求也更高。另一方面，商业账户对于初创企业和中小企业来说更实惠，并且有各种商业银行替代方案，例如新银行。

目录公司账户商业账户公司规模适合中型和大型公司适合小型企业公司结构必须有董事会个人企业可以申请福利与服务交易费用更低，利润利率更高各银行有所不同

Recommended Reading:What is Bank of India Current Account?

印度公司银行账户的好处

拥有公司账户的好处包括如下：

1. Enhancing credibility

Having separate bank accounts for personal and business purposes is very helpful because it makes a business look more professional. When customers see that a business has a corporate account, they are reassured of its legitimacy. Additionally, having this account helps business owners get better deals from suppliers and vendors.

2. Higher investment opportunities

A company account enables a business to deposit and increase excess funds by reinvesting them. Companies can also use this bank account to manage portfolios and sell and buy bonds, shares, new companies and other assets.

3. Providing liability protection

There are a variety of ways to store your business's money. However, while users may get more or less the same features, they will not get the liability protection that a corporate account provides. Another important benefit of a company account is that it separates the company's assets and funds from the business owner. As a result, the funds are the responsibility of the entire company rather than a single individual.

4. Achieving better financial management

Other important advantages of a company account include budget and expense management. In addition, it gives businesses a clearer picture of their financial situation as owners can view detailed reports and bank statements about their company.

5. Easier financial transactions

Thanks to company accounts equipped with Internet and mobile banking services, business owners can carry out basic business transactions smoothly and efficiently from anywhere. Multi-location fund transfers as well as deposits and withdrawals from any location are additional advantages of the corporate account.

在印度谁可以开设公司银行账户？

在印度国内的任何商业实体都可以开设商业账户，包括公司、合伙企业、独资企业和有限责任公司。而开设公司银行账户所需的标准和文件因业务结构类型而异。

但是，只有依法成立的公司才能开设公司账户。开户应由公司董事会通过的公司决议支持。因此，开设商业银行账户要容易一些。

运营独立性

由于公司银行账户更为正式，因此只能由一组授权签字人操作。持有账户的公司可以通过通过相关董事会决议来任命签字人。

另一方面，商业账户通常作为企业主的个人银行账户运作，尽管该账户可以以企业的名义开设。企业主可以直接访问该账户，而无需任命其他授权签字人。

对债权人的责任

由于公司被视为法人，因此公司银行账户不被视为股东的个人资产。因此，只有公司债权人才能扣押这些账户。这些账户不能用于偿还任何个人股东未偿还的个人债务。

相比之下，普通商业账户被视为企业主的个人资产，企业主的个人债权人可以自由扣押这些账户。

开设公司账户需要哪些文件？

作为公司开户手续的一部分，企业须提交几份文件才能完成 KYC 检查。开设公司账户时企业一般需要准备以下文件：

公司成立文件，例如公司注册证书、商业登记证和公司章程。 业务证明，例如财务报表或业务计划。 公司地址证明。 公司董事会批准开设银行账户的决议副本。 身份证明文件，例如公司主要股东或受益所有人的护照或由相关政府颁发的任何身份证。 主要股东或受益所有人的居住证明。 获准操作公司银行账户的签字人名单。

请务必与银行讨论开设新公司账户所需的文件。未提交相关文件可能会导致银行拒绝企业的开户申请。

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