按照中国人民银行发布的《人民币银行结算账户管理办法》有关规定,自2003年9月1日起,个人可凭其居民身份证件在银行(包括政策性银行、商业银行、城市信用社、农村信用社、邮政储蓄机构)开立个人银行结算账户,银行按活期存款利率向存款人支付利息。根据国务院发布的《对储蓄存款 In accordance with the relevant provisions of the Measures for the Administration of Settlement Accounts of Renminbi-denominated Banks issued by the People’s Bank of China, as of September 1, 2003, individuals may, with their identity documents, be able to use their identity cards at banks (including policy banks, commercial banks, urban credit cooperatives, Clubs, postal savings institutions) to open personal bank settlement accounts, banks pay interest to depositors at current deposit rates. According to the State Council released "on savings deposits