Foreword:
Keeping excess money in the bank is the choice of many people in modern society. It is not safe to carry banknotes with you, but you can earn some interest by keeping them in a bank. In the face of the bank's slogan of "voluntary deposits, free withdrawals", people believe that they have control over this part of the money.
However, with the frequent occurrence of financial security issues, people are finding that withdrawing money from the bank is no longer as convenient and fast as it used to be. Many bank counter staff even ask questions about user privacy. So, how should we ** it? What should I do if I encounter such a problem?
Event recap: Recently, a man wanted to go to the bank to withdraw some of the money he had deposited before. This was originally a regular operation for bank deposits and withdrawals. The man's previous deposits and withdrawals were also successfully completed. He didn't expect that this time there would be no problems.
But just after he communicated the withdrawal request to the counter staff, he did not complete the transaction immediately, because the staff did not help him withdraw the money, but repeatedly asked what the money was for. When it came to personal privacy, the man didn't want to answer, and the money was already in dire need, so the man just relayed his request to the staff again.
But no one expected that the staff still asked the man for a clear answer. When the two were at a stalemate, the man couldn't control his temper and bluntly said that he would withdraw all the money he had saved, and he would never do it again. I will come back to this bank again. He also said he would cancel his bank card as well.
In this case, the staff member insisted on asking the reason and said that he could not cancel the bank card because he wanted to. She had to give a reasonable reason, enough to convince the bank, before she could deal with it.
In the eyes of the staff, the male user is clearly self-motivated. In order to avoid mistakes in the funds, she believes that she can only continue to handle follow-up business after the user gives a reasonable reason.
But in the eyes of the user, the money deposited in the bank is his own, so he should have all the rights to use the funds. Of course, he can also decide whether to deposit or withdraw money, and the amount of deposits and withdrawals. There is no need to give any reason. But the staff kept asking about his privacy, which made him feel offended, and even refused to help with matters such as canceling his bank card.
This is simply unfounded. Since he does not need a reason to apply for a bank card, his decision to cancel the bank card is naturally not allowed to be commented on by anyone, and must be based solely on his personal wishes. This is where the two sides diverge.
As time went on, the two sides were still in a state of standoff, and the user finally got up with it and got into an argument with the staff.
Event analysis: Soon, the relevant ** of this incident was posted on the Internet, which attracted the attention of many netizens. Most people can think from the user's point of view, thinking that the procedures for handling deposits and withdrawals should not be so complicated, and the staff on the day should not continue to ask the reason for the business, because it is entirely the responsibility of the user. Thing.
If he doesn't want to explain, no one can force him to explain. There is no legal requirement for banks to do this. Moreover, this incident has undoubtedly damaged the reputation of this bank, and people will not trust this bank in the future.
Moreover, some netizens pointed out that if the user withdraws money for emergency purposes, then every minute and every second is precious. But repeated inquiries by bank tellers are a waste of time. Doesn't that create a greater risk for users? It's no surprise, then, that user sentiment is high. But at the same time, some netizens refuted this view.
They believe that quarrels will not help solve any problem in any case. On the contrary, they will create more contradictions and conflicts. If the user is able to communicate calmly with the teller, then the deposit and withdrawal transactions may be processed faster.
From the bank's point of view, in the face of the current increasingly serious financial security problems, many banks will also choose to ask users for reasons when handling business. On the one hand, it ensures the normal flow of these funds, and on the other hand, it also avoids high risks. The user violates the regulatory order. But if they can't be sure that the level of user funds is high-risk, they don't have the right to intervene.
Conclusion: We don't know how this matter was resolved in the end, but if we put ourselves in the shoes of the user who made the deposit and withdrawal, we would sympathize with his helplessness and anger. After all, no one can tolerate keeping money in the bank. Money is out of your control. There is also some truth in the concern of bank staff about financial security.
At the same time, considering the positions of both parties, we should discuss more reasonable and effective solutions together, instead of blindly questioning users and violating their personal privacy.
What do you think about this? Feel free to leave a comment**!