Recently, the woman went to the bank to deposit 100,000 yuan in cashAsked for money**rushed to the hot search list of various social platforms!
Friends who often surf the Internet must know,Banks rushed to the hot search because of the question of asking customers to deposit**It's not once or twice, and every time it can cause heated discussions among netizens, the core of the discussion is mainly:Is it legal to ask that?
On January 8, a woman in Jiangxi complained on Xiaohongshu, saying that she took 100,000 yuan in cash to the bank for a fixed term, but she didn't expect the bank staff to suddenly ask her:"How much do you want to save?Where did this money come from?”。
The woman said, "I was stunned for a moment, thinking that you took care of my money, and if you did what I said, wouldn't it be over?"It's like I stole the money. But I still 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 teller's response was also very succinct, saying that it was (the buttocks of the soft-shelled turtle).provisions！Customers who deposit more than 10,000 yuan in cash will ask for funds**.
The woman didn't understand this very wellSaving money has to be pursued**, isn't this personal privacy?
To handle a deposit business, you have to reveal your own family background, and you don't want to leave it on anyone!
However, some netizens explained that this is indeed a bank regulation, you just say that the money grows in the ground, and the teller will not care, but you have to ask.
At the beginning of this year, a lady in Zhejiang also issued a ** saying that she would go to the bank to deposit 50,000 yuanBeing asked by a bank teller to provide documents such as proof of income。It made her feel very uncomfortable, like she was interrogating a prisoner.
Then about the provisions on the bank asking for customer funds** and requiring the customer to provide proof of income,Is there a legal basis for this?
After further investigation, Xiaojin found that the central bank, the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission had indeed issued relevant regulations, but due to technical reasonsOn February 21, 2022, the implementation has been suspended.
That is to say,Banks do not have the right to ask for information about their customers.
It is reported that at present, each bank needs to explain the amount of deposit and provide proof of income, there is no specific amount, and the regulations of each bank are different.
For example, China Merchants Bank said 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 in cash, you will be asked for cash**For the time being, there is no need to provide relevant proof.
A staff member of the Industrial and Commercial Bank of China said: "There are no requirements, just bring your ID card, bank card and money." ”
The Agricultural Bank of China said it did not specify the exact amount, but simply asked.
So if you are asked for funds when you make a deposit, you may as wellChange bank deposits!
Or rent a safe deposit box in the precious vault, which is safe, private and convenient.
In recent years, banks have set restrictions on multiple channels such as withdrawals, deposits, and convenient payments.
Not only has it been launchedWithdrawal limits, over-the-counter transaction limits, and bank card applications all add to the difficulty.
Now the deposit will also be asked**, show proof of income,It affects the convenience of everyone's "urgent matters".
In this regard, Xiao Jin recommends that everyone grasp it with both hands, as the saying goes, eggs cannot be put in one basket. At the same time that the bank deposits part of the deposit to protect the life,You can also rent a safe deposit box in the precious vault to store some of your belongings for emergency purposes.