為規范(fan)中(zhong)央(yang)(yang)銀(yin)行(xing)(xing)存(cun)(cun)款(kuan)賬(zhang)(zhang)戶(hu)(hu)服(fu)務(wu)和(he)(he)管(guan)理(li)(li)(li)(li)，提(ti)高央(yang)(yang)行(xing)(xing)貨幣結算服(fu)務(wu)的透明(ming)度、公(gong)平性(xing)和(he)(he)可獲得(de)性(xing)，中(zhong)國(guo)人民(min)(min)銀(yin)行(xing)(xing)制定(ding)發布《中(zhong)央(yang)(yang)銀(yin)行(xing)(xing)存(cun)(cun)款(kuan)賬(zhang)(zhang)戶(hu)(hu)管(guan)理(li)(li)(li)(li)辦法》（以(yi)下簡稱《辦法》）。《辦法》共六章43條。《辦法》統一(yi)了(le)中(zhong)央(yang)(yang)銀(yin)行(xing)(xing)存(cun)(cun)款(kuan)賬(zhang)(zhang)戶(hu)(hu)的分(fen)類、開(kai)戶(hu)(hu)條件和(he)(he)評(ping)估標準(zhun)，提(ti)升了(le)獲得(de)央(yang)(yang)行(xing)(xing)賬(zhang)(zhang)戶(hu)(hu)服(fu)務(wu)的可預期性(xing)和(he)(he)便捷性(xing)；明(ming)確了(le)央(yang)(yang)行(xing)(xing)存(cun)(cun)款(kuan)賬(zhang)(zhang)戶(hu)(hu)開(kai)立(li)、變更、撤銷及使(shi)用(yong)管(guan)理(li)(li)(li)(li)要求，實施賬(zhang)(zhang)戶(hu)(hu)全生命周期管(guan)理(li)(li)(li)(li)。《辦法》注重(zhong)加強關鍵環節風險(xian)管(guan)控，規范(fan)代(dai)理(li)(li)(li)(li)結算和(he)(he)賬(zhang)(zhang)戶(hu)(hu)安(an)全管(guan)理(li)(li)(li)(li)要求，有利(li)于降低央(yang)(yang)行(xing)(xing)存(cun)(cun)款(kuan)賬(zhang)(zhang)戶(hu)(hu)資(zi)金結算風險(xian)，保障業務(wu)連續性(xing)。同時，從中(zhong)國(guo)人民(min)(min)銀(yin)行(xing)(xing)提(ti)供賬(zhang)(zhang)戶(hu)(hu)服(fu)務(wu)和(he)(he)開(kai)戶(hu)(hu)機構使(shi)用(yong)賬(zhang)(zhang)戶(hu)(hu)的角度出發，明(ming)確中(zhong)國(guo)人民(min)(min)銀(yin)行(xing)(xing)與開(kai)戶(hu)(hu)機構作(zuo)為平等的民(min)(min)事主體以(yi)合同約定(ding)方(fang)式(shi)厘清(qing)雙方(fang)的權利(li)、義務(wu)和(he)(he)責任。（央(yang)(yang)行(xing)(xing)官網）