According to relevant regulations, starting this year, personal deposits of more than 50,000 yuan need to register the source of funds, and withdrawals of more than 50,000 yuan need to explain the legal purpose.
Then something interesting happened. The following is a contribution from a fan:
Doesn’t the current national regulation say that if you withdraw 50,000 yuan in one time, do you need to state the reason? Yesterday, I went to the bank. When I got to the bank, I went to the bank. The bank staff asked me, "What kind of business do you handle?"
I told him calmly, "I want to withdraw 50,000 yuan."
Then the staff asked me, "Now there are regulations. Withdraw 50,000 yuan." You have to explain the purpose of the money. Can you tell me what you used it for?"
I told him, "I told him to withdraw 50,000 yuan from the Bank of China. I want to take it, and deposit it to Industrial and Commercial Bank of China , and I can get a bag of rice.” When the staff heard about it, he said, “Don’t take it, I’ll give you a bag of rice.” Are you done? "
I heard, that's okay, there's no need to queue up anymore. Just like that, I went home with a bag of rice. Then I took my ICBC card and went to ICBC. When I got there, I was told that I wanted to withdraw 50,000 yuan.
Their sales staff Just ask me, what is your stated purpose of withdrawing 50,000 yuan? What are you going to do? I said that they deposited 50,000 yuan in the Bank of Communications and gave me a bag of rice. If I took out the money and deposited it in the Bank of Communications, then they would also have to give me a bag of rice.
Then when the staff heard this, you don’t have to go to such trouble. I’ll just give you a bag of rice.
It’s all right for me. I’m very busy today. I’ve been busy for half a day. Nothing was clean and I ran back and forth, but fortunately my family didn’t have to buy rice in the second half of the year.
In fact, the bank's regulations are also beneficial to the safety of depositors' funds.
A bank withdrawal exceeding 50,000 yuan is considered a large withdrawal. According to the current national anti-money laundering regulations, any deposit or withdrawal, including transfers exceeding 50,000 yuan, will be monitored.
According to the bank's "Notice", depositors who withdraw more than 50,000 yuan must register with the provincial branch. The reason for filing is to monitor the assets so that the central bank can control large amounts of money and prevent money laundering. Large deposits, withdrawals or transfers are monitored for the sake of fund security.
Furthermore, why do banks require large withdrawals to be made at the front desk, and you must have your own ID card before you can withdraw money? This is also to protect everyone's financial security.
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