Along with the development of Chinese national economy, the improvement of people's living standard and the diversification¹ of consumption styles, personal banking² service develops quickly, the demands for personal account transfer keeps continuously increasing, more and more people need to handle settlement business through banks, such as the basic daily payment of charges for water, electricity, phone, gas etc., loan repayment³, securities investment, shopping & consumption etc., which has already been unable to be satisfied by a simply personal saving account. The setup of a separate personal bank settlement account facilitates individuals to handle such account transfer business as money transfer, payment, credit card consumption, investment, etc. Any Individual can also apply for credit card, check and other payment instruments through the personal bank settlement account in order to meet the various demands of payment and settlement.

　　随着我国经济的发展、人民生活水平的提高和消费方式的多样，个人金融业务迅速发展，个人转账支付需求不断增多，越来越多的客户需要通过银行办理结算，如支付水、电、话、气等基本日常费用、归还贷款、证券投资、购物消费等，单纯的个人储蓄账户已不能满足上述需求。单设个人银行结算账户后，方便了个人办理转帐汇款、缴费、刷卡消费、投资等转账支付业务，个人还可以通过结算账户申请使用信用卡、支票等支付工具，满足各种支付结算需求。