Recently, a news that "a woman went to the bank to deposit 100,000 cash and was asked for money**" has aroused widespread attention and heated discussions on the Internet. This incident has raised questions about the bank's business practices and raised concerns about the protection of personal privacy.
In this regard, Agricultural Bank of China, Industrial and Commercial Bank of China and many other bank branches have responded. They said that for cash deposits of 100,000 yuan and above, customers can handle it directly without providing detailed information on funds. This response has alleviated the public's doubts to some extent and has also provided convenience for customers with large cash deposits.
However, the staff of China Merchants Bank said that if the customer's deposit amount exceeds 200,000 yuan, the bank staff will ask about the ** of the customer's funds. This has sparked some controversy, with some arguing that it is an infringement of customers' privacy and others arguing that it is a necessary means for banks to fulfill their risk prevention and control duties.
In this regard, the lawyer also expressed his own opinion. He said that according to the latest regulations, the implementation of relevant regulations has been suspended since February 2022. This means that banks no longer need to force customers to provide detailed information about their funds when processing large cash deposits.
At present, when banks deal with customer business, they mainly rely on the risk level of the customer. If the customer's risk level is high, the bank teller may need to know more about the customer to ensure the safety and stability of the bank. To a certain extent, this approach balances the bank's risk prevention and control needs with the customer's privacy protection needs.