个人银行结算账户管理办法实施细则-法规政策咨询及电话投诉类法律援助-法律咨询免费平台-国际律师联盟

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问题	个人银行结算账户管理办法实施细则
释义	法律客观：个人储蓄账户与个人结算账户得异同如下：共同点：(1)都可以存取现金。(2)存款都可获得利息收入(结算账户存款利率同活期储蓄账户)。(3)本人名下的个人结算账户和活期储蓄账户之间可以相互转账。不同点：(1)《人民币银行结算账户管理办法》实施后，在办理对外的资金转出或接受外部的资金转入时(包括本人异地账户汇款)只能通过结算账户办理。(2)储蓄账户只能办理本人名下的存取款业务和转账，而不能对他人或单位转账，也不能接受他人或单位的资金转入。
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