In the past two days, a video of depositors going to Agricultural Bank of China with withdrawals of 1,000 yuan was circulated on the Internet, arousing widespread public attention and widespread heated discussions among the public.
picture According to IC photo
, the public who may not know the truth blamed the bank for unilaterally limiting non-counter withdrawal services. In fact, this is also a one-sided understanding, or a misunderstanding, of banks implementing non-counter withdrawal business limits.
Because the bank's non-counter withdrawal limit is not for other purposes, nor is it intentionally difficult for customers to set up an artificial obstacle. The starting point and intention of Bank is good, and it is intended to maximize the protection of the interests of depositors (depositors) from infringement through the non-counter withdrawal limit, or to set up a reinforced security barrier for depositors' funds.
Moreover, the reduction of the bank's non-counter withdrawal business limit is also in line with the requirements of relevant departments. Because on October 10, 2020, the State Council held an inter-ministerial joint meeting on combating and controlling new types of illegal and criminal acts of telecommunications networks, and decided to carry out a "card-cutting" action nationwide with the main content of crackdown, governance, punishment of illegal and criminal gangs on telephone cards and bank card sales, and clean up and rectify fraud-related telephone cards, Internet of Things cards and related Internet accounts in accordance with the law. Obviously, banks limit non-counter withdrawal or transfer services, and the main purpose is to promote banks and payment institutions to clean up abnormal bank cards such as long-term non-moving accounts, "one person and multiple cards", and frequent reports of losses and replacement of cards. These bank cards often become an important channel for criminals to succeed in fraud and money laundering. Only by shrinking non-counter withdrawals or transfer amounts can the plots of criminals such as money laundering and fraud be suppressed to the greatest extent.
At the same time, the bank's implementation of the card cut is not just a "dog with rats" to meddle in other people's business, but has received tangible results, which not only protects the security of depositors' funds, but also maintains national financial stability. Data shows that in November last year, the central bank announced the results of the "card cutoff" action: over the past year, the central bank has urged banks and payment institutions to clean up 1.48 billion abnormal bank cards such as long-term non-moving accounts, "one person and multiple cards", and frequent reports of losses and replacement of cards; it has guided commercial banks to establish a fraud-related risk monitoring and interception model, "fast monitoring and timely intercept" of high-risk transactions involving fraud, and intercept 1 billion yuan of fraud-related funds in real time. This shows that the "card-blocking" action is indeed important and requires persistence. Especially, from the current perspective, this should be a common financial means for banks to curb criminal activities such as money laundering, fraud, and tax evasion in the future. Some readers have noticed that is not just Agricultural Bank of China , but commercial banks such as Pudong Development Bank, Fujian Strait Bank , and Everbright Bank have successively lowered the transaction limits related to online business of some or all customers, including personal online banking and Zhangban transfer limits, online payment transaction limits, non-counter business limits, etc.
It should be noted here that the bank's limit on non-counter withdrawals does not include the limit on counter withdrawal services. Those restricted are "non-counter services". Simply put, it is a business that is not handled at the bank counter, including but not limited to online banking, mobile banking, gateway payment , quick payment, sales terminal (POS), self-service teller machine (ATM), and other businesses. This itself will not have much impact on depositors. Moreover, as long as the depositor takes the relevant documents, such as an ID card, to the bank to increase the non-counter withdrawal or transfer amount, it can be handled at the relevant bank department. The procedures are not complicated and the procedures are not complicated.
Therefore, the reduction of the non-counter withdrawal or transfer limit is a favorable move for both banks and depositors, and is also an important measure to prevent chemical financial risks. It must be carried out and there must be no ambiguity about the counter withdrawal limit.However, to do this well, banks are the active party. The various limit systems or measures shall be implemented or formulated for specific withdrawal limit measures based on security needs and the requirements of financial regulatory departments and public security organs; and depositors (depositors) who are passive adapters should also understand and try their best to cooperate with banks, and form a consensus with banks and implement non-counter withdrawal limit regulations in accordance with relevant bank requirements.
At present, what banks need to do is to promptly feedback the requirements of relevant non-counter withdrawal limits to all depositors (depositors) through various effective channels, so that all depositors can know the non-counter withdrawal limit requirements, eliminate depositors' misunderstandings and even resistance to non-counter withdrawal limits, and enable banks to implement the system of lowering the non-counter withdrawal limits smoothly, eliminate all social resistance, fundamentally protect the interests of depositors from harm, and effectively curb all illegal and criminal activities such as fraud, money laundering, and tax evasion through online banking from the source of the system. At the same time, some depositors who do not understand the non-counter withdrawal limit will be patiently explained and persuaded to eliminate the misunderstandings in their hearts, so that they can fully understand the good intentions of the bank's non-counter withdrawal limit, improve their awareness of complying with the bank's non-counter withdrawal limit, form a pattern of benign interaction between depositors and banks, and improve the friendly atmosphere of system implementation. In addition, for some depositors (depositors) who need to increase the non-counter withdrawal or transfer limit, provide the greatest convenience as much as possible, reduce unnecessary intermediate links, eliminate excessive complex and cumbersome procedures, enable depositors to be unobstructed, and increase their support for the bank's non-counter withdrawal limit.
What the majority of depositors (depositors) need to understand and implement is to fully recognize the importance of banks' non-counter withdrawal limits, strengthen policy learning and understanding of bank regulatory agencies and public security organs' requirements for "card cut-off" activities, and master the non-counter withdrawal limits policy requirements; and learn to think from the perspective of others, and deeply understand that the implementation of non-counter withdrawal limits is essentially responsible to the majority of depositors, in order to prevent the majority of depositors' funds from being defrauded, prevent crimes such as money laundering and tax evasion, and maintain the stability of the national financial order. Only by deeply understanding the importance of non-counter withdrawal limits can deposits be enhanced to enhance the initiative in cooperating with banks to implement the system and eliminate all intentional bank mistakes; at the same time, abide by laws and regulations, keep your bank cards well, do not rent or lend them to others, and do not participate in illegal activities, creating a good atmosphere to promote banks to implement the non-counter withdrawal limit system.
Author Mo Kaiwei (researcher at the China Local Finance Research Institute)
Editor Ren Zhijiang
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