Foreign exchange deposits and digital currency of banks

From the perspective of deposit banks, the foreign exchange deposits they absorb can be classified from different perspectives. The common ones are as follows: from the division of account opening objects, they can be divided into unit foreign exchange deposits and indivial foreign exchange deposits
1. Unit foreign exchange deposits refer to all kinds of foreign exchange deposits deposited in designated foreign exchange banks by organs, organizations, enterprises (including foreign institutions in China and foreign-invested enterprises) in China and foreign and Chinese enterprises, organizations and other units abroad
2. Personal foreign exchange deposits refer to the residents in China (including Chinese residents and foreigners in China, overseas Chinese, compatriots in Hong Kong, Macao and Taiwan, etc.) and the personnel dispatched by China to study, work, further study, scientific research, lecture and other indivials (such as foreigners living abroad or in Hong Kong, Macao and Taiwan, etc.) Overseas Chinese and compatriots from Hong Kong, Macao and Taiwan) in convertible currency (foreign exchange and foreign currency) deposited in all kinds of foreign exchange deposits in the designated foreign exchange banks of our country< At present, according to different requirements for deposit management, the Bank of China divides the above-mentioned foreign exchange deposits of units and indivials into type a foreign currency deposits, type B foreign currency deposits, type C foreign currency deposits and foreign debt special account deposits. Type a foreign currency deposits and foreign debt special account deposits are mainly unit foreign currency deposits, type B foreign currency deposits and type C foreign currency deposits are mainly indivial foreign currency deposits. Except the Bank of China, other designated foreign exchange banks do not carry out foreign exchange deposit business according to the classification standard of the Bank of China, that is, they are generally divided into unit foreign exchange deposits and indivial foreign exchange deposits (savings deposits) according to the objects of account opening. For interbank foreign exchange deposits, they can be divided into domestic interbank foreign exchange deposits and foreign interbank foreign exchange deposits according to the location of deposit objects
1. Domestic interbank foreign exchange deposits refer to various foreign exchange deposits of domestic financial institutions in the same instry. For example, the foreign exchange deposits in the foreign exchange deposit accounts opened by non bank financial institutions in the Bank of China
2. Foreign interbank foreign exchange deposits refer to foreign exchange RMB or other convertible currency deposits deposited by foreign banks (including Chinese banks in foreign countries, Hong Kong and Macao) in designated foreign exchange banks in China< At present, in addition to foreign exchange and RMB deposits, such deposits mainly include US dollar deposits and pound sterling deposits. U.S. dollar deposit except bank of the United States, interest shall be calculated on the U.S. dollar deposits and overdrafts of banks of other countries in designated foreign exchange banks of China; Foreign exchange RMB account deposit does not carry interest, overdraft carries interest; Pound deposits and overdrafts carry interest. The opening of such deposit accounts is generally controlled by the head office and accepted by the head office. According to the term of deposit, it can be divided into fixed foreign exchange deposit and current foreign exchange deposit
1. Term foreign exchange deposit refers to the foreign exchange deposit that the deposit bank and the customer agree to withdraw at a fixed time. At present, fixed foreign exchange deposits mainly adopt the method of lump sum deposit and lump sum withdrawal. When foreign exchange is deposited in the bank, the bank develops a registered certificate of deposit according to the amount of the deposit and gives it to the unit or indivial. The unit or indivial must pay attention to the different grades of deposit period (currently, there are four grades: three months, half a year, one year or two years), and the deposit can be renewed when it matures; The fixed deposits of the Bank of China to foreign-invested enterprises and domestic financial institutions are divided into six grades: seven days' notice, one month, three months, six months, one year and two years, and they can be withdrawn with certificates of deposit when e
2. According to the different ways of deposit and withdrawal, the current foreign exchange deposit can be divided into checking account deposit and passbook account deposit. The checking account deposits with the money delivery note or other collection voucher, and withdraws with the check or other payment voucher, such as the import margin account opened by foreign trade enterprises in the bank e to the need of import agency, and the special account for foreign debt opened by enterprises in the bank e to borrowing foreign debt, It belongs to this kind of checking account deposit; Passbook account deposits are deposited and withdrawn by passbook and deposit and withdrawal slip. For example, an indivial's current foreign exchange deposit belongs to this kind of passbook account deposit. According to the different forms of deposited funds, it can be divided into foreign currency account deposit and foreign exchange account deposit
foreign currency deposit refers to the deposit of foreign currency notes. Generally, customers can withdraw foreign currency notes at any time for this kind of deposit, but they can entrust the deposit bank to remit them according to the needs and through the examination and approval and the proceres of buying and selling foreign currency notes after three months of deposit. Foreign exchange account deposits can be directly remitted by the deposit bank at any time in accordance with the relevant provisions. Unit foreign exchange deposits are generally foreign exchange account deposits, while indivial foreign exchange deposits are different from foreign exchange account deposits