As we all know, Chinese people love to save money. Currently, the per capita savings of residents exceed 70,000 yuan, and the total deposit amount exceeds one trillion yuan. It is known as a savings country.
There is a reason why ordinary people love to save money. In the past, the people were very poor, basically had no savings, and lived a hard life.
Take our parents as an example. When they were young, they were facing the loess and their backs were facing the sky, and they were not full or warm in food. When they were poor, they knew the importance of wealth. They were reluctant to spend money if they earned a little money. Wrapped with handkerchiefs and placed them in a corner is something that their parents often did.
The hard work and simplicity of the fathers subtly influence the next generation, and most Chinese people have developed the good habit of being thrifty. Although life is getting better and better now and the people are living a well-off life, no one has forgotten the traditional virtues.
Moreover, the pressure of life in modern society is not low. Young people have to support their parents, loan to buy a house, , child raising, hospitalization and medical care, etc., all require large amounts of funds, especially when buying a house. Many young people even empty their six wallets, but may not be able to make up for the down payment of the house. Many people have worked hard all their lives and earned a house.
It is not easy to make money, and there are many places to spend money, which makes many Chinese people worry about spending money and dare not be generous, for fear that when they urgently need money at a certain moment, there is no money available, saving money and backup becomes an important choice for the people.
In addition to the emergency effect, deposits also have an important reason for this is that it is safe to keep money in the bank. If an individual saves money by himself, not only can he not earn interest, but it is also very unsafe. If a thief visits him, the hard-earned money will be gone. Some people seem to be safe in places where money is hidden, but in the end, it is found that the banknotes are damaged because they have been stored in humid places for a long time. If the damage is not serious, they can also go to the bank to exchange it to reduce losses. If the damage is serious, they may not even have the opportunity to exchange it, and the losses can only be borne by the individual.
China Agricultural and Industrial Development and Diplomacy are all large state-owned banks. Savings are very safe and trustworthy for the people, and deposits can also earn interest on their own. In the past few years, the three-year interest rate for bank deposits could reach about 6%. If you deposit 100,000 yuan in the bank, the annual interest income will be 6,000 yuan, and some banks will even exceed 8,000 yuan.
Although bank deposit returns are declining now, people's enthusiasm for deposits is still high, because deposit interest is only a by-product of deposits, and the primary reason for deposits is still because of bank deposits.
Especially after the bank deposit insurance regulations were issued, even if the bank goes bankrupt, there is still an insurance guarantee of 500,000 yuan. As long as everyone places the money in different banks, this risk can be effectively avoided.
With the development of the Internet era, the channels for deposits and withdrawals of ordinary people have also diversified. They can not only be handled offline through bank counters, but also through ATMs, online banking, mobile banking, etc. Deposits and withdrawals are very convenient. In addition, mobile payments have become popular, and online transactions have been loved by Chinese people for their convenience and speed.
has advantages and disadvantages. Although online transactions are convenient, they also bring safety hazards. Many telecom fraudsters are targeting the safety hazards of online transactions and have succeeded repeatedly through various scams, especially the elderly are cheated more, and there are many young people who are deceived.
In order to avoid or reduce the losses of saving people, banking institutions are constantly increasing the management of online trading channels of personal accounts.
Agricultural Bank, Pudong Development Bank, Everbright Bank and other banks have issued new regulations to lower the online transaction limit for personal accounts.
How much can these banks trade online every day?
Everbright Bank will set limits for online payment transactions starting from May 12, 2022. Payment transactions that users consume through online transaction channels and complete through Everbright Bank payment platform will be 10,000 yuan per transaction limit, and the daily limit is also 10,000 yuan.
Agricultural Bank has also made adjustments, but there are differences in different places.Hangzhou stipulates that if an individual has not traded for more than 12 months, the daily limit for external transfer orders is 10,000 yuan. Fuzhou stipulates that there is no transaction within two years, the single-day limit is 5,000 yuan.
Pu Development Bank Fuzhou region stipulates that the daily limit for non-counter transactions of newly opened personal accounts is 5,000 yuan. Why is
so prescribed?
We know that the primary goal of banks is to ensure the safety of depositor funds. If the amount of account entry and exit is abnormal for a long time, or if it is not used for a long time, there will be suspicion of money laundering. It is very necessary for banks to increase online management, which can prevent telecommunications fraud and account illegal transactions to the greatest extent. What should I do if the depositors need money urgently? For banks, strengthening online transaction control is the general trend, but considering it from the perspective of depositors, it may also cause some trouble. When money is urgently needed online, there are limit regulations. In this case, the depositor can go to the bank counter to handle the transfer matters. During the processing process, the bank will ask some questions for the need to protect the interests of the depositors, with the purpose of preventing the depositors from being deceived and transferring the money to the scammers. In the future, more and more banks will strengthen personal account management. How to seek a balance in terms of security and convenience is an urgent problem that banks need to solve. First, check your bank cards frequently and cancel your unused cards in time. Second, do not easily bind personal bank card to software of unknown origin, and do not transfer money easily. Third, learn more about anti-fraud knowledge, and fraud techniques are easily seen. Fourth, you cannot sell, rent and lend to anyone. How to manage your personal bank account?
