I don't know if you have such an experience, when you want to go to the bank to withdraw more than 50,000 yuan, the bank employee on the opposite side will definitely ask you, what are you doing with so much money?Such a question seems to be nonsensical to ask, what else to explain when taking your own money?
In fact, there is a reason for the bank to ask this question.
If you were really asked such a question, how would you answer it?Do you say, "What's your business"?
Or, should we tell the truth, or answer something in detail?
In fact, this is a key part of the bank's risk control system. This may seem like an unnecessary inquiry into a customer's private affairs, but in fact, by asking you what you are using your money for, the bank can better understand the purpose of the customer's transaction and ensure that the funds are not being used for illegal activities.
This is even more important for large transactions. Banks need to ensure that large sums of money are clearly identified and are not being used for money laundering, fraud, or other illegal activities.
This question may seem a bit abrupt to us, but in reality, banks are not deliberately inquiring about users' privacy. If you do get scammed, a bank teller can call the police.
So as a user, don't feel annoying that the bank asks this and that. Of course, banks also need to ensure compliance while respecting the privacy of their customers. After all, the privacy of customers is just as important.
So, if the bank asks you what you want to do with your money, is there a smarter answer?
When asked by a bank staff about the purpose of withdrawal, a sensible answer is to give an answer that makes the other party not want to ask again without revealing too much privacy.
For example, you can simply answer "home decoration", but you can not explain how to install it or what brand to install. Such an answer is very truthful and does not make the bank suspicious.
For example, if it's for tourism, tell where and when you're going.
If you want to buy a house, just say buy a house. Answers should be concise and clear, so that the bank understands in seconds. After all, clear answers help build relationships and banks better understand our needs.
Banks also have the difficulty of making sure that every transaction is compliant, in order to protect everyone's money. Therefore, we are willing to cooperate and answer rationally, and both parties are relaxed and happy.
There may be users who are puzzled, the deposit is voluntary, the withdrawal is free, the deposit is interest-bearing, and the depositor is confidential. These are the four major rules and regulations of banks. Why do depositors still have to ask depositors what they are doing when they withdraw their money?
Banks want to know what we're using our money for, and that's to make sure the transaction is compliant, but it doesn't mean we have to give it all out. Be smart in answering questions to meet the bank's compliance requirements and not let your privacy be at risk.
When withdrawing money, we also have to learn to protect ourselves. You have to know what information can be said and what you have to keep secret.
We have the right to protect our privacy by providing the relevant supporting documents that meet the requirements and do not have to go into too much detail about our personal affairs. Through rational and sensible answers, we can not only handle the withdrawal business smoothly, but also protect our privacy rights.
The next time you encounter this kind of question, don't forget that a clever answer is also a powerful protection of your own rights and interests.