"Personal access to cash more than 50,000 yuan need to register the source of funds" caused widespread concern, many people exclaimed, this is "restriction of cash transactions", "rich people will be suffered" "family deposits must be careful", in fact, rumors stop at the wise, these are over-interpretation. #Personal deposit and withdrawal of cash more than 50,000 yuan to register ##银行现金存取要说明来源 #
From 1 March 2022, the Administrative Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Preservation of Financial Institutions issued by the Central Bank of China and other three departments will be officially implemented.
The real understanding is: legal income and expenditure is certainly unrestricted, as long as you can clearly explain where the funds come from, where to prepare to use, even if you need to deposit and withdraw more than 50,000 yuan of cash, at present, you just have to fill out a large amount of cash business form, withdraw money to check the purpose, the deposit to check the source, the bank does not require the issuance of certification materials, the impact on the convenience of deposit and withdrawal is very small.
Who exactly does this new rule want to restrict? In fact, everyone understands the truth, for those who launder money, fraud, and embezzlement, this has undoubtedly become a tight curse, the cash in the refrigerator at home is not easy to spend, and the cost of money cheated online is higher.
And after careful analysis, it was found that this provision is mainly for the deposit and withdrawal of bank counters, and online deposits are not involved for the time being. However, in the future, online deposits and withdrawals will become more and more stringent, before only the mobile phone verification code, withdrawal password, you can carry out deposit and withdrawal and transfer business, and now many banks need to brush their faces for large transfers, verify the identity of customers before they can operate these businesses.
For most people who are "not afraid of the shadow oblique", this provision has almost no impact, and the impact of the future face sweep will not be very large. The digital society and the cashless society are gradually being realized, and everything has traces to follow and laws to follow, which is actually the credit basis of the future society.
Therefore, do not over-interpret these regulations, all in order to improve the anti-money laundering in the financial industry, and curb money laundering actions is also to truly limit the number of people who should be restricted. For example, when a bank suspects that a customer is suspected of money laundering or terrorist financing, it can identify the customer through the customer's identity information and take reasonable measures to confirm that the cash transaction complies with the customer's information and the source of funds.
Those who want to be abducted by pits are more expensive to break the law. Only by making money steadily, the hall is living. When the sun shines in every dark corner, law-abiding people will have a better life and society will be more stable.