Why is it so difficult for a new company to open a bank account?

Recently, Shanghai Yushanggang Xintong - met a customer，He said it was so difficult to open a bank account.，He has gone to several banks，Or the daily balance must reach 10,000，Or the annual fee is several thousand，Either that or the appointment queue has already reached July or August next year.…In short, there are various restrictions and

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。You must know that the government encourages everyone to start a business，Many preferential tax policies have been introduced to support entrepreneurs to start their own businesses.。

And now the threshold for company registration is getting lower and lower.，The process of company registration is getting simpler and simpler，More and more people are registering companies，But opening a bank account is getting more and more difficult.，So why is it so difficult to open a bank account?

one、Why is it so difficult to open a bank account?：

1. When opening a company bank account, a red copy of the lease certificate is required. The office address is a required option for company registration.，It will even be printed on the business license.，This shows the importance of office address，This red book rental voucher can be used to prove，Can this company have a real office space?；
2. The bank will personally send staff to check the site to prove whether the company's office is real.，In addition to the rental certificate with a red copy，The bank will also send staff to personally check whether the company's office address is real.；
3. To open a bank account, you must make an appointment with Hong Kong Information Technology in advance - a heartfelt reminder to all entrepreneurs，To open a bank account, you must make an appointment two months in advance.，After the company completes registration,，The queue for opening a bank account is almost here.。

If your company has already been registered, you will have to wait several months to open a bank account.，What a delay!。After all, in today's rapidly developing era，Time is opportunity for entrepreneurs、Money and future；4.bank

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Although deposits can now be subscribed for registered capital,，Greatly reduces the burden on start-up entrepreneurs，But the bank still requires everyone to deposit money.，Usually tens of thousands of dollars。

see this，Some people would say that since there are so many things to do when opening a bank account,，Then simply don’t open a basic bank account.，Wouldn't that save trouble?。Is it okay not to open an account? no，Of course not。The basic account is the account where depositors handle daily transfer settlement and cash receipts and payments.。Enterprises must pay wages to employees and handle daily transfer settlement and cash payments through the basic account.。

two、Reasons why you must open a basic bank account：1.After the company starts operating，There will be business dealings，Many customers are

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Incoming and outgoing accounts to public accounts；

1. Do not open a basic account，It is impossible to achieve sufficient capital，If capital is not available for a long time，It is equivalent to the company not being registered yet.；
2. When paying taxes, the tax bureau needs to connect to the basic account.，It is also necessary to open a third-party collection agreement，You can declare taxes and deductions in the tax declaration system；
3. Involving import and export trade，First, you need to open a public account，Only in order to apply for import and export business rights；
4. Bank accounts are related to industrial and commercial annual inspections，General industrial and commercial bureau meeting

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Provide bank statements。

no bank account，There is no bank statement；Stamp duty also needs to be paid when the registered capital is in place.，Otherwise, it will be very troublesome if the payment is late.。If you really don’t want to open a basic account for a newly registered company，You can open a temporary account first，It should be noted that the temporary account is only valid for a maximum of 2 years.。If the company wants to apply for a loan、You need to use a basic account for invoicing, etc.。So it’s better to open a basic account。

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