#个人存取现金超5万元需登记资金来源 #
From March 1, 2022, individuals who go to the bank to deposit and withdraw more than 50,000 yuan of cash need to register the source of funds, but also verify the identity, the purpose! It is no longer to save if you want to save, and to take what you want.
If I have 1 million on my card and I withdraw 100,000 at a time, the bank wants to ask me what I use, I say I won't tell you, can't he give me my money? If I say, I just took the play, nothing to go home and count the play is not a legitimate reason? Can he give me my money for this reason? If you can, the use is nonsense. If not, then who defines what uses are available and what are not? What are the criteria for defining the use? What is the basis? [Proud]
However, as a banker, I feel that this move is mainly to strengthen supervision and anti-money laundering, which has little impact on ordinary people.
Before the advent of electronic payment, ordinary people rarely encountered the scene of using more than 40,000 cash in their lives, and large transactions were generally bank transfers.
Now online banking, electronic payment is more and more convenient, most of the transactions can be achieved through transfers, and a large number of cash transaction scenarios, on the one hand, the need for offline charging of high-frequency trading scenarios, such as cash-only supermarket stores, toll stations and so on.
On the one hand, transactions are carried out for tax evasion, and cash transactions can avoid bank transfers, thus achieving the purpose of tax evasion. All that's left is money laundering...
If every transaction is compliant and legal, there's no need to care about this rule. [Proud]