According to the management measures for large-denomination certificates of deposit issued by the central bank, large-denomination certificates of deposit is originally an electronic issuance and does not issue paper certificates of deposit. Therefore, according to the normal savings process, after depositors deposit their large-denomination certificates of deposit, they do not issue paper certificates. However, the lack of paper certificates of deposit does not mean that it cannot be queried, nor does it mean that depositors do not have any certificates.
Similarly, we must also clearly understand that not every financial institution can apply for large-denomination certificates of deposit. In my country, there are less than a thousand banks that can apply for large-denomination certificates of deposit. These banks must pass the central bank's approval in advance and obtain the qualification to issue large-denomination certificates of deposits before they can recommend large-denomination certificates of deposit. To a certain extent, it is unlikely that small and medium-sized banks will obtain the qualification to issue large-denomination certificates of deposit.
So if the customer has handled large-denomination certificates of deposit at the bank, how many ways can he obtain the confirmation of the successful deposit?
1. If a large-denomination certificate of deposit is processed at the bank counter, although there is no paper form, the bank will give a business certificate receipt. To a certain extent, this proves that this large-denomination certificate of deposit has been successfully deposited. Depositors can save this receipt form for future inquiries. If a dispute arises, this is the most important evidence.
2. After the large-denomination certificate of deposit is successfully processed, you can go to the bank automatic terminal machine to query and insert your own bank card, which can display the deposit time and amount of your large-denomination certificate of deposit. Then you can print out this query form as a voucher.
3. You can also check it through mobile banking or online banking. That is, use the mobile banking app to query at home, and various information about depositing large-denomination certificates of deposit will also be displayed. At this time, you can take a screenshot and save it, which is also one of the important evidence.
4. If you feel that the above methods do not make customers feel at ease, you can also go to the bank counter to ask for a large-denomination certificate of deposit. There are also such provisions in the management measures for large-denomination certificates of deposit. Under the requirements of depositors, banks can print large-denomination certificates of deposit for them. However, as long as a paper certificate of deposit appears after printing, the depositor must withdraw all the documents in advance in the future, and no partial withdrawal will occur to avoid any disputes. At the same time, the paper certificate of deposit will be collected after withdrawal.
If you cannot check the certificate of deposit in the bank card after entering and leaving the certificate of deposit, then this actually has a problem. In some rural credit cooperatives , it is possible that they are not qualified to issue large-denomination certificates of deposit. Then, customers can complain to the regulatory authorities to find out whether they are qualified to issue large-denomination certificates of deposit? Then I went to the regulatory authorities for the records of so many large-denomination certificates of deposit. The regulatory authorities have detailed filing records of issuance of large-denomination certificates of deposit in various banks.
Now you know how to safely deposit large deposit certificates, right? How to reconfirm after depositing it?
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