Yesterday, a netizen left a message asking, if you want to transfer money from one bank card to another within one day, how much can you transfer at most? If 100 million is transferred, is it possible?
Mobile banking or online banking
In reality, bank card transfers generally go through three channels: counter transfer, mobile banking transfer and online banking transfer (Although the ATM machine can also transfer money, there are very few people who use ATM to transfer money, which can be ignored).
Mobile banking and online banking are users' self-service transfer channels. Banks have restricted the transfer amount of these two channels. For example, the daily limit for mobile banking transfers is generally within 1 million yuan; the daily limit for online banking transfers will be higher (online banking generally has a U-shield), but no matter how high the online banking is, it is basically limited to less than 5 million yuan. It should be said that the limits of these two transfers are enough to meet the daily needs of 99% of people, but this amount is still significantly different from 100 million yuan.
Counter transfer
Generally speaking, in reality, large-scale transfers are basically mainly concentrated on bank counters. In theory, there is no limit on bank counters. So, let alone 100 million, even 1 billion, it can still be transferred. For example: the result of land auctions in various places is from time to time, and from time to time, if the transfer amount cannot exceed 100 million, how many transactions should users divide it into. Of course, although the counter can be transferred by 100 million yuan, the amount that needs to be transferred within one day can only be transferred by the peer bank; if the cross-bank transfer is not made in advance, it is likely that the transfer will not be successful.
1. Transfer of peer banks
Internal transfer of the same bank does not involve position issues, and even large-value systems do not involve (this is why peer transfers within 50,000 yuan on weekends can be real-time, but cross-bank transfers cannot be transferred to the account). So, not to mention transferring 100 million yuan within one day within a peer bank, even 1 billion yuan is fine, provided that you have so much funds in your bank card.
2. Cross-bank transfer
Cross-bank transfer involves a problem of a position, and the position refers to the amount of funds owned or borrowed by investors. bank position is a professional name for available funds scheduling in the banking system. Each bank has its own fund position . The definition is always relatively obscure, and many people don’t understand it. Let’s use a simple case to explain why it is basically unrealistic to transfer 100 million yuan across banks within one day: after
A Bank receives deposits of 10,000 yuan, it pays 16% of the deposit reserves according to the provisions of of the central bank. At this time, the remaining available funds for the bank are 8,400 yuan; the bank’s daily operation turnover operation requires a certain amount of operating funds. We assume that it is 1,400 yuan, which means that after deducting the two necessary funds, the actual bank acquires 710,000 yuan in deposits, and the funds that can be used for lending are only 7,000 yuan. Assuming that Bank A has invested 5,000 yuan in loans to the outside world and has no suitable loan recipients for the remaining 2,000 yuan, what should I do if the 2,000 yuan is? Pay interest to customers on empty? Obviously, banks will not do this. In order to make full use of the amount of funds, Bank A generally puts the 2,000 yuan into the central bank and asks the central bank to use the 2,000 yuan to those banks with short positions for turnover. For Bank A, this is a long position.
has long positions, and there will definitely be short positions. So what is short positions? Let's assume that there is currently a Bank B. After paying the deposit reserve and leaving enough operating funds, Bank B has left 7,000 yuan to lend. Bank B has already loaned 5,000 yuan and the remaining 2,000 yuan to lend. It just so happens that a customer wants to withdraw 3,000 yuan at this time. Obviously, Bank B itself is insufficient and lacks 1,000 yuan. Therefore, Bank B has to apply to the central bank to allocate a position of 1,000 yuan. Only when the position is satisfied can the bank have sufficient funds to withdraw cash or transfer money to the customer.
From the above analysis, we can know that position is actually the amount of funds available to the bank. Generally speaking, small amounts of funds can definitely be met by bank positions. This is the reason why there is no limit on small amount transfers. However, if there is a volume of hundreds of millions or even tens of billions of dollars, the bank's position may not be enough. Therefore, large amount transfers often require one day in advance to give the bank enough time to allocate positions, otherwise the payment will not be withdrawn on the same day.
Summary
Many people have always thought that banks require large-scale transfers or withdrawals to make an appointment one day in advance, but it is not the case. This is determined by the bank's internal rules and regulations, so sometimes when asked to make an appointment, the Internet is more considerate.
