It should not be difficult for you to notice that there are more and more rules around us, and many things do not seem to be reasonable under these restrictions.
For example, last year's news: a restaurant was fined for selling cucumbers and other cold dishes because it did not obtain a license for the production and sale of cold food, which in layman's terms, means that there is no cold food license.
According to the regulations, restaurants do require a cold dish license to sell cold dishes, so the fine is legal, and the reason why there are such regulations is also out of consideration for food safety and for the sake of customers' health. But many people think that this is a bit "excessive".
However, today we are not going to talk about cold dishes, but another very common scenario: when we go to the bank to withdraw money, the bank staff will ask: "What are you withdrawing this money for?" ”
Like cold dishes, many people are extremely disgusted by this kind of inquiry, thinking that they can withdraw their money as they want, and it has nothing to do with the bank. But in fact, the reason why banks do this also has a deeper meaning.
First of all, from a legal and regulatory point of view, this is the responsibility of the bank.
According to China's Anti-Money Laundering Law and relevant financial regulations, financial institutions have the responsibility to monitor large-value transactions and suspicious transactions to prevent illegal capital flows, including money laundering and financing.
Based on this regulation, banks continue to adjust the business handling process, which not only asks about the purpose of withdrawal, but also requires an appointment for large withdrawals.
Secondly, asking about the purpose of withdrawal can ensure the safety of depositors' funds to a certain extent.
Needless to say, there are a large number of victims of telecom fraud every year, and banks can effectively identify potential risks by understanding the true use of depositors' withdrawals, and take timely measures to protect depositors' funds.
For example, in September last year, a 90-year-old man went to the bank to handle business, asked for a cash withdrawal of 500,000 yuan, and transferred 500,000 yuan to the personal account of other banks.
In this regard, the staff was further suspicious, so he asked the old man for details, although the old man answered fluently, but his expression was very unnatural, the staff immediately contacted the bank account manager, and after further investigation, it was determined that the old man was deceived.
It is understood that the three children of the old man are abroad, and a "travel consultant" took this opportunity to gain trust with the old man, and then claimed that he had a high-return "tourism project" in his hand, so that the old man invested 1 million, and the old man believed it, which happened later.
A simple inquiry, helped the old man save 1 million, afterwards, the old man's children also sent pennants to the bank, after reading this incident, do you still think the bank asked is a superfluous move?
The last reason is the bank's own self-interest.
Through a detailed understanding of depositors' needs, banks can provide more accurate product and service suggestions to meet depositors' diversified needs for investment and consumption, and improve customer service quality and satisfaction.
To sum up, the bank staff asks about the purpose of withdrawing money, first, the responsibilities and obligations of the bank imposed by laws and regulations; Second, it is conducive to cracking down on financial crimes, purifying the financial market environment, and maintaining social and economic order and stability; Third, it helps to prevent depositors' funds from being used in illegal ways, avoid falling into fraud, pyramid schemes and other traps, and effectively protect the safety of depositors' funds and legitimate rights and interests.
If it is daily consumption, there is no need to conceal it, just tell the truth, it is really not possible, you only need to answer "daily consumption", because the withdrawal amount is not high, the staff will not get to the bottom of it.
If we are concerned about privacy, then answer "This is my personal matter", and the staff will respect our privacy rights, and then remind us to pay attention to the safety of funds and beware of fraud.
If the one-time withdrawal exceeds a certain amount, it is generally necessary to make an appointment one day in advance. When the next day, when the staff asks about the purpose of the withdrawal, we avoid using vague or misleading answers, on the contrary, it is better to answer simply and directly, otherwise the staff will ask in more detail.
Finally, we should understand and respect the bank's inquiry about the purpose of withdrawal, and there is no need to be so disgusted, after all, it is our property that is protected in the end.