Along with the development of Chinese national economy, the improvement of people's living standard and the diversification of consumption styles, personal banking 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 repayment, 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.　 隨著我國經(jīng)濟(jì)的發(fā)展、人民生活水平的提高和消費(fèi)方式的多樣，個人金融業(yè)務(wù)迅速發(fā)展，個人轉(zhuǎn)賬支付需求不斷增多，越來越多的客戶需要通過銀行辦理結(jié)算，如支付水、電、話、氣等基本日常費(fèi)用、歸還貸款、證券投資、購物消費(fèi)等，單純的個人儲蓄賬戶已不能滿足上述需求。單設(shè)個人銀行結(jié)算賬戶后，方便了個人辦理轉(zhuǎn)帳匯款、繳費(fèi)、刷卡消費(fèi)、投資等轉(zhuǎn)賬支付業(yè)務(wù)，個人還可以通過結(jié)算賬戶申請使用信用卡、支票等支付工具，滿足各種支付結(jié)算需求。