Introduction
For most people, financial management concepts will be very conservative. They will store money in the bank, which can fully guarantee the security of funds and obtain certain returns. This is killing two birds with one stone. From this we can also see that people have extremely high trust in banks.
Nowadays, the shadow of the epidemic has not yet dissipated. Many people’s income has been greatly reduced, and some people are even unemployed at home. At this time, deposits play an important role to help people overcome difficulties.
So no matter when, developing the habit of saving money has great benefits and can resist sudden risks. Recently, there has been news from that relevant departments will adjust the personal deposit registration system. What kind of signal is this sending to the outside world? Some insiders told the truth.
1. Relevant departments have adjusted the personal deposit registration system
. Some people may wonder, what is the personal deposit registration system? In fact, this system does not originate from our country. It first appeared in Western countries to crack down on some illegal acts such as money laundering. After the launch of this policy,
had a very significant effect, so my country introduced this policy and adjusted it according to the actual situation before it was launched.
If depositors deposit in the bank and the amount of deposit exceeds 50,000 yuan, they must register in real name. Shortly after this policy was introduced, many illegal and criminal acts were severely cracked down. But in real life, some criminals will take various methods to launder money. Therefore, after online transactions cannot be achieved, they will focus on cash transactions. Although the personal deposit registration system of
has many benefits, some disadvantages cannot be ignored. Some people do not cooperate at all when registering information, and deliberately conceal and falsely conceal the source and whereabouts of the money. This further increases the difficulty of investigation for relevant staff.
And in the era of developed Internet, more and more online fraud crimes have appeared, and if you are not careful, you will fall into various traps. , so this requires people to constantly enhance their awareness of prevention and protect their property safety, so that they can not leave any opportunity for criminals to take advantage of.
Many people will give priority to online banks when handling financial services. Under such circumstances, few people will use cash, and the circulation of cash is constantly shrinking, so it is no longer meaningful to introduce a personal deposit registration system at this time.
related departments also quickly realized this problem and urgently stopped the policy. During the implementation of this policy, offline money laundering has been severely cracked down, so this kind of illegal and criminal activity has become less and less.
Now telecom fraud is very rampant, and the country has focused on this aspect, so it has carried out stricter supervision and control of online transactions. Once a criminal act is committed, the relevant departments will immediately discover it and investigate it based on clues. Of course, this does not mean that supervision of offline transactions will be relaxed, and will still be vigilant at all times and will not relax at all.
2 and digital RMB will meet people
. The relevant departments have actually stopped the personal deposit registration system, which is that the digital RMB will be promoted on a large scale soon and meet people.
my country has been working hard to develop digital RMB and has achieved very significant results. Nowadays, ten cities have carried out pilot operations of digital RMB. From the various feedback data, it can be seen that the promotion of digital RMB is still very smooth, and the people are very satisfied with it.
In the Winter Olympics held this year, relevant sectors also fully demonstrated the digital RMB. I believe that it will be promoted nationwide in the near future, and the RMB will usher in the digital era.
digital RMB is very different from the mobile payment software people use now. After using digital RMB, there will be a record in central bank . If there is a violation of transaction in the middle, it can be captured immediately to achieve the purpose of accurate strikes. Under such circumstances, there is no need to implement the personal deposit registration system.
Because big data and offline real-name registration can not only ensure the rapid spread of information, but also ensure the accuracy of information and reduce any loopholes. In addition, it is also conducive to the central bank's stricter management of current assets.
summary
After meeting people, people's money transactions will be exposed to the sun, and it is difficult to have some risks and loopholes, so from this we can see that payment security has been greatly improved. For banks, they can also improve work efficiency to a certain extent, which is the best of both worlds.
Today’s hot discussion: In 2022, the “registration of 50,000 yuan in personal deposits and withdrawals” may be a new adjustment, what signals has it sent?
