Recently,
Topic: The woman went to the bank to deposit 100,000 cash and was asked for money**
rushed to the first place in the hot search.
It is reported that a woman in Jiangxi posted on a social platform that she took 100,000 yuan in cash to the bank to deposit a fixed term, but she didn't expect the bank staff to ask her where the money came from
The woman said that she asked the staff why this was doneI haven't been asked about cash deposits before. The staff responded that this was the bank's rule.
This incident sparked heated discussions among netizens
Many netizens said that this is a normal process
Keep your funds safe.
@财入门:I'm afraid that you will be defrauded by telecommunications, all for your good, all for the safety of your funds, why don't you appreciate it and be troublesome?
@别强拉硬拽:This is responsible for customers and anti-fraud.
@珍惜当今:This requirement has been in place for some time, and as long as our money is on the right path for normal consumption and use, these two inquiries have no effect on us at all.
A number of banks responded
Do I need to explain the funds if I deposit more than 100,000 yuan?Recently, in response to the relevant situation, the reporter consulted a number of bank branches in Beijing, such as China Merchants Bank, Agricultural Bank of China, and Industrial and Commercial Bank of China.
The staff of China Merchants Bank told reporters 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 yuan in cash, you will be asked for cash**, but you do not need to provide relevant proof for the time being.
The staff of the Industrial and Commercial Bank of China said that at present, the bank has deposited 100,000 yuan or more in cash in Beijing, and there are no requirements for asking for cash** and issuing relevant certificates for the time being. "There were no requirements, just bring ID, bank card and money. ”
There is no specific amount, just a brief understanding. The staff of the Agricultural Bank of China told reporters, "There is no need to issue any certificates, you can say clearly (cash**), some people may not be clear, do not know how the money came from, we will ask in detail in this case." ”
Lawyer's interpretation
In response to the fact that he was required to provide proof when making large deposits, Liu Xiaoyu, a senior partner of Beijing Zhongyin Law Firm, said in an interview that the main purpose of asking customers for these fund information is to identify the customer's identity, conduct customer due diligence, and take corresponding anti-money laundering measures according to the risk level, which will help improve the efficiency of anti-money laundering, meet the needs of anti-money laundering, and maintain financial security.
Reporter:At present, what are the standards for bank tellers to verify customers' personal information?
Liu Xiaoyu: At present, the content of the original regulations is followed. The original provisions require verification of the name, gender, nationality, occupation, domicile, place of work, address, contact information, identity document or identification document of the natural person customer. There are also simple requirements for legal persons or other organizations and individual industrial and commercial households, such as name, domicile, business scope, organizational structure**, tax registration number, business license, etc.
For high-risk customers or holders of high-risk accounts, financial institutions should understand the information**, the use of funds, economic conditions or business conditions, etc., so as to strengthen the monitoring and analysis of financial transaction activities.
Reporter:Should bank investigation funds** be measured in terms of amount?
Liu Xiaoyu: In fact, in general, it cannot be said in general terms that the larger the customer's deposit, the more information should be learned, but it can only be said that in principle, there is a high probability that this is the case. The higher the risk level, the more information the bank needs to know from the customer, and vice versa, the less information the bank needs to know.
Therefore, generally speaking, financial institutions divide the corresponding risk level according to the characteristics of the customer itself, account attributes, and consider the region, business, industry, etc., and make timely adjustments on this basis. If it is a high-risk customer, the bank teller will ask for relevant information, which is fully in line with the current regulatory requirements.
However, under normal circumstances, if the bank does not have the exact customer risk level within the bank, it does not have the right to ask the customer for relevant information. If asked, it does violate current regulatory guidelines.
** CCTV, Orange Persimmon Interactive, Poster News, CCTV
Editor-in-charge: Zhai Yujing
Duty Editor: Wang Yan
Reviewed by Dou Huaiguo
Responsible for the school: Wang Yongbo
