January 8th"The woman went to the bank to deposit 100,000 cash and was asked for money**".rushed to the first place in the hot search.
It is reported that a woman in Jiangxi posted on a social platform that she went to the bank for a fixed term with 100,000 cash, but she didn't expect the bank staff to ask her how much money to saveWhere did this money come from?
The woman said, "I was stunned for a moment, thinking that you care about my money, don't you just do what I said?"It's like I stole the money. But I immediately sorted out my emotions and asked the staff, why are you asking this?I haven't been asked by the staff to deposit cash before. ”
The staff responded that this was the bank's rule.
In this regard, netizens in the comment area unanimously said that this is a normal process to protect the safety of your funds.
Introduction: I'm afraid that you will be defrauded by telecommunications, all for your own good, all for the safety of your funds, why don't you appreciate it, why don't you still be troublesome.
Don't pull hard: this is responsible for customers and anti-fraud.
Cherish today: This requirement has been implemented for some time, as long as our money is on the right path, used for normal consumption and use, these two points of inquiry have no effect on us at all.
A number of banks responded
On January 8, the reporter consulted China Merchants Bank, Agricultural Bank of China, Industrial and Commercial Bank of China and other bank branches in Beijing. Among them, the staff of China Merchants Bank told reporters that if you deposit 100,000 yuan or more in cash, you can go directly to the bank counter to handle the deposit businessIf you have more than 200,000 yuan in cash, you will be asked for cash**, but you do not need to provide relevant proof for the time being.
The staff of the Industrial and Commercial Bank of China said that at present, the bank has deposited 100,000 yuan or more in cash in Beijing, and there are no requirements for asking for cash** and issuing relevant certificates for the time being. "There were no requirements, just bring ID, bank card and money. ”
There is no specific amount, just a brief understanding. In response to questions such as whether you need to ask about funds ** or provide other relevant certificates for cash deposits, the staff of the Agricultural Bank of China told reporters, "You don't need to issue any certificates, you can say clearly (cash**), some people may not be clear, and they don't know how the money came from, so we will ask in detail." ”
[More news to watch].
Is the teller asking about the funds** an invasion of privacy or a duty?
According to CCTV, Liu Xiaoyu, a senior partner of Beijing Zhongyin Law Firm, said on this matter that after February 2022, the implementation of the "customer deposit amount reaches a certain amount, it is necessary to provide information such as funds". At present, the risk level of the customer is the standard to measure whether the bank teller needs to know the customer's information, the higher the risk level, the more information the bank needs to know from the customer, and vice versa, the less information may need to know.
Reporter: Is there a legal basis for the provision that "the amount of customer deposits reaches a certain amount and needs to provide information such as funds"?
Liu Xiaoyu:The main purpose of asking customers about these funds is to identify the customer's identity, conduct customer due diligence, and take corresponding anti-money laundering measures according to the risk level, which will help improve the efficiency of anti-money laundering, meet the needs of anti-money laundering, and maintain financial security.
The scope of information that bank tellers can verify customers can be traced back to the Administrative Measures for Customer Due Diligence and Retention of Customer Identity Information and Transaction Records of Financial Institutions jointly issued by the People's Bank of China, the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission in January 2022. The Measures were originally scheduled to be implemented on March 1, 2022, and Article 10 of them clearly stipulates that if commercial banks, rural cooperative banks, rural credit cooperatives, village and township banks and other financial institutions handle a single cash deposit and withdrawal business of more than 50,000 yuan in RMB or more than 10,000 US dollars equivalent in foreign currency for natural person customers, they shall identify and verify the identity of the customer, understand and register the ** or use of funds.
However, on February 21, 2022, the People's Bank of China, the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission issued another announcement, stating that the implementation of the Measures would be suspended due to technical reasons, and the relevant business would be handled in accordance with the original regulations.
The original provisions refer to the Administrative Measures for the Identification of Customers and the Retention of Customer Identity Information and Transaction Records of Financial Institutions issued in 2007, which does not stipulate the use and use of such customer funds**.
Reporter: At present, what is the standard for bank tellers to verify customers' personal information?
Liu Xiaoyu:At the moment, we follow what was originally stated. The original provisions require verification of the name, gender, nationality, occupation, domicile, place of work, address, contact information, identity document or identification document of the natural person customer. It is also a simple requirement for legal persons or other organizations and individual industrial and commercial households, such as name, domicile, business scope, organizational structure**, tax registration number, business license, etc.
In addition, it also stipulates that for high-risk customers or holders of high-risk accounts, financial institutions should know the information such as funds**, the use of funds, economic conditions or business conditions, so as to strengthen the monitoring and analysis of financial transaction activities.
Reporter: Should the bank's investigation funds be measured by the amount?
Liu Xiaoyu:In fact, in general, it cannot be said in general terms that the larger the customer's deposit amount, the more information should be obtained, but it can only be said that in principle, there is a high probability that this is the case. The higher the risk level, the more information the bank needs to know from the customer, and vice versa, the less information the bank needs to know.
Therefore, generally speaking, financial institutions divide the corresponding risk level according to the characteristics of the customer itself, account attributes, and consider the region, business, industry, etc., and make timely adjustments on this basis.
If it is a high-risk customer, the bank teller will ask for relevant information, which is fully in line with the current regulatory requirements.
However, under normal circumstances, if the bank does not have the exact customer risk level within the bank, it does not have the right to ask the customer for relevant information. If asked, it does violate current regulatory guidelines.
General: Orange Persimmon Interactive.
If there is any infringement, please contact the platform for processing.