（3） Principle and returns of investment such as bonds， futures and trust. (来源：http://www.EnglishCN.com)

　　（4） Gains from transfer of personal debt or ownership.

　　（5） Deposits of retail loan proceeds.

　　（6） Settlement funds for securities transactions and margin funds for futures trading.

　　（7） Inherited or granted funds.

　　（8） Insurance compensation and returned premium.

　　（9） Tax rebate.

　　（10） Sales income of agricultural and mineral products.

　　（11） Other legitimate proceeds.

　　Article 40 When an institution disburses funds from its bank settlement account to a bank settlement account for individuals， it shall produce to the bank that holds its account the following warrants to effect the disbursement if the disbursement is over RMB 50 thousand yuan：

　　（1） Agreement on entrusted salary payment and the name list of recipients.

　　（2） Certificates of rewards.

　　（3） Contracts signed between recipients and the publishing houses or sponsors of the show performance， or certificates of disbursement to individuals

　　（4） Certificates of disbursement or rebate of funds to natural persons by securities firms， futures firms， trust and investment companies and lottery issuers or underwriters.

　　（5） Agreement of debt or ownership transfer.

　　（6） Borrowing contract.

　　（7） Warrant of insurance company.

　　（8） Warrant of taxation authorities.

　　（9） Purchase and sale contracts of agricultural and mineral products.

　　（10） Warrants of other legitimate funds.

　　When taxable funds are disbursed from bank settlement accounts for institutions to bank settlement accounts for individuals， agent institutions that deduct the tax payment on behalf of the tax payers shall produce to the bank that holds the accounts the warrant of tax payment in the disbursement.

　　Article 41 In the event of any of the following cases， individuals shall produce relevant funds receipts required in Article 40 of these rules.

　　（1） Presenting a check endorsed by an institution and requesting the bank that holds his or her account to do entrusted funds receipt and transfer the received funds to his/her bank settlement account for individuals.

　　（2） Presenting a check or a cashier's check applied by an institution and requesting the bank that holds his or her account to make notice payment and transfer the funds to his/her bank settlement account for individuals.

　　Article 42 When funds are disbursed from a bank settlement account for institutions to a bank settlement account for individuals， the bank shall carefully examine the warrant for disbursement or the original copy of warrant for funds receipt in line with stipulations in Article 40 and 41， and keep the duplicates as accounting files. The bank shall refuse to conduct the disbursement if the required warrants are not produced or are produced but not in accordance with relevant rules.

　　Article 43 Savings accounts are limited to cash deposit and withdrawal and shall not be used to carry out fund transfer or settlement.

　　Article 44 Banks shall crosscheck the books with depositors according to rules. When receiving the crosschecking statement or information， depositors of bank settlement accounts shall do the checking in time and send back to the banks within the required time limit the returning note or confirmation message.

　　Article 45 Depositors shall use bank settlement accounts to carry out settlement in a way compliant with these rules.

　　Depositors shall not lease or lend the bank settlement accounts to others or swindle banking credit through these accounts.

　　Chapter IV Alteration and Cancellation of Bank Settlement Accounts

　　Article 46 When a depositor changes the name of the bank settlement account but still maintains the account number and stays with the bank that holds the account， he or she shall apply to the bank holds the account for the alteration of bank settlement account within five working days and produce certificates issued by relevant authorities.

　　Article 47 When the legal representative or head， address or other information provided by an institution for opening a bank settlement account have been changed， the bank holds the account shall be informed in writing within five working days.

　　Article 48 After receiving alteration notice from the depositor， the bank shall go through the alteration process in time and report to the People's Bank of China within two working days.

　　Article 49 A depositor shall apply for cancellation of the bank settlement account to the bank holds the account on any of the following occasions：

　　（1） Being cancelled， merged， liquidated， announced bankrupt or closed；

　　（2） Its business license being invalidated or revoked；

　　（3） Need to change the bank that holds the account due to address change；

　　（4） Other reasons that necessitate the cancellation of the bank settlement account.