问题：
[多选题]
根据《人民币银行结算账户管理办法》的规定，存款人申请开立的下列人民币银行结算账户中，应当报送中国人民银行当地分支行核准的有（）。
A、
预算单位专用存款账户
B、
因异地临时经营开立的临时存款账户
C、
个人存款账户
D、
异地一般存款账户
参考答案：
A,B
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