Banks are the main place for citizens to store money in their lives. A small bank card is related to the economic lifeline of a family. Especially with the development of online transactions on , the frequency of bank card money transactions in daily life has increased significantly, but this convenient payment model also gives criminals some opportunities, so there are many economic crimes caused. In this environment, domestic banks have formulated new policies for account management, and in the future, individuals must do two things to deposit and withdraw more than 50,000 yuan in cash.
In the past, due to lax supervision, people lacked understanding of economic policy and banking management policy . Therefore, many people have the habit of using cash indiscriminately, which has caused certain management problems. In recent years, with the implementation of the new policy and the development of national legal publicity work , further improvement has been made. This policy on personal cash deposits and withdrawals is also another measure to improve economic security by .
Not long ago, The Central Bank of implemented the "Management Measures for the Preservation of Customer Due Diligence and Customer Identity Information and Transaction Records of Financial Institutions" in , made relevant regulations on the amount and requirements for individuals and companies to deposit and withdraw cash and transfers, and . If you do not understand or fail to meet the requirements in the regulations, you may encounter certain problems in future cash and transfers.
In life, people generally have two ways to deposit and withdraw cash in . One is ATM self-service withdrawal , with a limit of 20,000 yuan, while the other is manual withdrawal at the counter. has a limit of 200,000 yuan. If you exceed this number, you need to make an appointment. Most people usually spend money within the limit, so they don’t feel deeply about it. Relatively speaking, businessmen empathize with it, and after this adjustment, there are still many people affected.
From a personal perspective, the cash deposit and withdrawal limit is 50,000 yuan, domestic transfers are 500,000 yuan, and overseas transfers are 200,000 yuan. From the company's perspective, the limit for corporate accounts is 2 million . If the limit is not over, it cannot be deposited or transferred. Instead, if it meets this standard, two information must be registered with the bank. is the source of funds and the other is the purpose of funds. . Of course, in the face of some special circumstances, you may also face more detailed inquiries. The purpose of this is actually to eliminate illegal and criminal acts such as money laundering, illegal transactions, and telecommunications fraud.
The country still attaches great importance to economic crime and electronic crime . This time, the bank limit policy is not the first time. As early as 2020, some regions in China took the lead in trading supervision, such as: Zhejiang, Hebei and Shenzhen. These three places have previously implemented personal transactions ranging from 100,000 to 300,000 yuan, and the company's transaction limit is 500,000 yuan. If exceeds the standard large-scale transactions, will be regulated.
In addition to making adjustments to personal and company account money transactions, banks will also restrict personal online payments . The daily payment codes such as WeChat, , Alipay, and will also be restricted. Only merchants' exclusive payment QR codes can receive payments normally. This is also a new regulation made in order to further eliminate economic illegal and criminal behaviors.
According to bank statistics, there are not many people in who have deposited more than 500,000 yuan in domestic bank accounts, only 5% . From this point of view, the number of people affected by this policy adjustment is relatively limited. In addition, banks also have deposit insurance regulations . Due to bank issues, deposit accidents caused by deposits, depositors can receive a maximum compensation of 500,000 yuan. This shows that most people do not need to worry about future use and economic security.
On March 1, 2022, this policy will be officially implemented, but the impact of this policy on people may not be the amount, but other aspects. In the past, due to the lack of relevant management systems and there are many domestic banks. In order to facilitate the use of , many people applied for a lot of cards. In the end, due to the expiration of use, it became the " sleep card " . In the future, these sleep cards will be gradually cleaned up. If some cards are linked to important events such as salary and company transactions, it is best to go in with the existing money, or communicate with the bank to avoid being invalidated.
In addition, after the bank implements the policy, the most likely impact is companies with a large transaction volume. 's corporate account involves funds other than salary, transactions, reimbursement, compensation and profits, etc., and try to think twice before doing , or consult the bank and report clearly to avoid the account being frozen due to the abnormal transaction detected.
From the perspective of policy requirements, whether individuals or companies use bank cards in the future, they must to avoid batch transfers, centralized transfers and batch transfers after centralized transfers. In addition, using bank cards must have clear sources and uses of funds, so there should be no sudden large-scale transactions in the past transactions, such as: in the past year, the transaction volume is several thousand yuan, and the sudden deposit and withdrawal of more than 200,000 yuan is obviously an abnormal situation, which reminds people of electronic fraud and is easily frozen and inquiry.
Although the current policy has not yet reached the implementation stage, as time approaches, major domestic banks have also been vigilant. Since the end of 2021, there have been reports that depositors of major banks have transaction restrictions and are more stringent than usual when applying for cards. It is obvious that 's bank card deposit and withdrawal amount limit is a must-have . Everyone should know more. If there is an abnormal transaction of 's sleep card and , it should also be resolved as soon as possible.
Although the regulation and deposit and withdrawal amount limit on bank cards will indeed cause certain inconvenience to use, in the face of increasingly severe economic crimes, people currently do not have a good method. They can only implement supervision from transaction channels and deal with certain blows to illegal crimes. Overall, it is also a good thing.
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-