The new rules on bank withdrawals, the four major impacts on retirees, it is beneficial to understand them
Lao Lin's pension is taken from the bank, and it has always been a large amount of money. The staff walked up and asked him why he was doing thisWhat Lao Lin hates the most is that someone interferes in his private life, and he is very unhappy with this little girl, "What do I want your money for?.""Can't I just take the money out and put it in a nearby bank?
The female cashier was stunned, glanced at the lobby manager, and immediately a bank agent came over from the second floor and talked to Lao Lin for a long time, and Lao Lin was persuaded that he couldn't get a penny of cash, but was cheated away by him.
Last year, because there was a rule that all deposits of more than 50,000 yuan must be explained to the counter staff about the ** and whereabouts of the deposits, so this regulation is like blowing up balloons, and after passing through the mouths of some people, there will be no follow-up. However, if you withdraw more money, the bank will still ask you why you are withdrawing so much cashSo, what kind of answer is safe and reliable?
1] Ask the bank about the need for a large sum of money.
The last thing we ordinary people like is to interfere in our private lives, they don't have much money on them, but they have to be interrogated like prisoners. But why do banks need such a policy?In fact, it is still of practical significance to ask customers about the flow of huge sums of money.
The first is to monitor and prevent money laundering activities. In today's society, there is no longer a large amount of banknotes, and the vast majority of business is carried out through the Internet, even if you want to eat a piece of roasted sweet potato, you can also complete it by moving**, which is a huge financial system. If you take out a large amount of money from your account, then the bank will be afraid that the funds do not exist in the financial system, making it easy for them to escape the bank's supervision and thus be used for money laundering activities.
Second, it is necessary to ensure the legitimacy of the flow of funds. Whether it is ** or a bank, they do not want to have a large amount of funds idle in the hands of the people, or "put in the bedside and drawer" to become a bargaining chip for bribery, which is not conducive to the circulation of financial funds. In fact, the current mode of circulation is only a number, and it does not have much legal significance in circulation.
The third is to ensure the safety of customers' funds. In a bank, just like a set of data stored in an electronic system, there is a strict information management system, so it is relatively safe, even if someone has a crooked mind, it can be found out. If people withdraw large sums of money, then banks are afraid of being scammed or intimidated. Banks can check the whereabouts of the money and be able to assess the risk of it, so as to protect the safety of the customer's property.
2] How can I correctly answer the withdrawal question?
The purpose of the bank clerk to inquire about your withdrawal is not to interfere with your private life, or to spy on your private information, or to inspect your private property, but to protect your property. So, when the staff asks you what your deposit is for, we just have to be honest and say that we don't have any "bad intentions" and we do it legally.
In fact, some people withdraw large amounts of cash, perhaps for something shady, for example, for bribery, for money laundering, for illegal transactions, and so on. If you have no criminal intent, what else can't you say?
Of course, the purpose of withdrawals is personal privacy, so how we should deal with it is to find a balance between protecting personal privacy and respecting bank information. There are several reasons for this:
One is that this money is a lot, enough to buy a house and a car. In fact, banks don't really want to find out, and if you seem to be a good person, there's no need to spy on you.
The second is that there is not much capital, it can be said that decoration, buying furniture, buying electrical appliances, these are normal, this is also a kind of business behavior, so the bank is willing to accept.
The third is moderate, it can be said that tourism, marriage, tourism, etc., these are all within the expenses, spending money is spent money, what is the use of surveillance?
In fact, there are some things that can not be said, for example, you say that the withdrawal is for financial management, investment, **, then, the staff will advise you to open an account on their account, or buy financial products, which is very troublesome, it is better not to mess with them.