2 金融法律制度(2 financial legal system)Finance: the issuanee and withdrawal of currency, absorption and deposit interest, payment and recovery of loans, cash f 1 ow and transfer settlement, silver and gold, foreign exchange and securities trading, domestic and international payment and settlement, bill discounting, interbank lending, trustinvestment, property and life insurance, financing lease the financial legal system refers to the development of state power and administrative organs of the various financial regulatory documents in general (including: 1 financial organization legal system of banking legal system of 2 legal systems of the 4 tube 3 foreign exchange negotiable instrument law of 5 legal system of the securities trust legal system 6 7 Insurance Legal System) is a bank or other financial and financial relations the economic relationship between institutions engaged in financial management and financial activities with other government agencies, market players and social individual (divided into financial management and financial management of the relationship between China，s financial system: 3) commercial bank 1 central bank 2 policy banks and 4 non bank financial institutions 5 cash management funds abroad financial institutions: in September 8, 1998 the State Council issued the z，Provisional Regulations on cash management, the same year into effect on October 1st, September 23, 1988, the people，s Bank of Chinese released the implementation of the Interim Regulations on cash management rules, in October 1st the same year the implementation of. The basic principle of cash management: 1 in banks and other financial institutions to open an account, and shall be in accordance with the provisions of the use of cash payments, accept the supervision of bank 2 the State encourages units and individuals to take account settlement transfer in economic activities, economic exchanges between 3 units to reduce the use of cash account, in addition to the provisions of the scope of the use of cash, should be through the bank transfer settlement of 4 people，s Bank of Chinese its branches to strictly perform their duties compete nt authorities responsible for the implementation of financial institutions, the bank for the implementation of cash management supervision and audit 5 bank for cash management, cash payments, UI accounts for the supervision and management of cash management basic requirements: 1 account units in the procurement activities shall not offer cash settlement pen transfer settlement preferential treatment 2 The account unit must strictly abide by the bank approved the cash account 3 units shall establish and perfect the cash account transaction records, a cash payment of 4 units can only open a basic deposit account in a financial institution, the general deposit account shall not be paid in cash for 5 large cash payment registration system to comply with the 6 Provisions: cash receipts and payments (1) and revenues shall be the date of delivery of deposit bank, the difficulty by the bank to determine (2) unit (3) shall not zuozhi cash from bank cash withdrawal unit shall explain the purposes, and the accounting department is responsible for signature (4) purchase location, trafficinconvenienee, production or market need emergency rescue and disaster relief, and other units should apply to the bank, the unit accounting department responsible person signature settlement refers to the units and individuals in the social economic activity In the use of bills, bank card and exchange, with a collection of honour, clearing the way for payment of money and capital settlement behavior for the basic requirements of payment: 1 units, individuals and banks for payment and settlement, must use the unity of the people，s Bank China regulations printed notes and vouchers of clearing 2 units and individual banks according to the RMB bank settlement account management measures provisions of the opening and use account 3 notes and vouchers of clearing the endorsement or other items should be true, shall not be forged or altered 4 fill in all the bills and vouchers shall be settled according to the payment and settlement writing standard of bank settlement accounts refers to the bank to deposit a handle receipt and payment of funds of RMB deposit account with living conditions of the account, bank account opening formalities and, to open an account within 5 days after the people，s Bank of China local branch of the people* s Bank of Chinese record, should be within 2 working days, the approval of the bank to submit data 3 working days after the opening of the deposit bank account unit since the date of the official opening, can be used for payment,However, the temporary deposit account of the registered capital verification shall be converted into the basic deposit account and the bank deposit, except for the general deposit account opened by the bank. The provisions of the measures the m