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Deposits and savings are one of the indelible marks of generations in China. Almost everyone wants to save money in the bank in case they need it. Although mobile electronic payment has developed very well, "the wool is out of the sheep", and the payment platform has changed from a bank to an electronic payment platform, most of the source of funds still comes from our bound bank cards. Indeed, in the era of electronic payment popularity, many of our businesses can be easily managed through mobile banking and payment software, and it is no longer necessary to go to the bank frequently. However, this makes it easy to overlook the "new rules" of banks. Banks in many places have recently introduced new regulations to add "border locks" to individual or corporate accounts. Once this limit is exceeded and cannot be tracked, the account is at risk of being suspended. Therefore, when doing business with banks, you should do your "homework" and consult with the bank in advance whether there is a risk of freezing the business handled.
Banks are taking steps to manage large amounts of money
Although convenient and fast mobile payment has squeezed a lot of business space for banks as traditional asset managers, the importance of banks is still irreplaceable. Recently, banks in many mainland China have issued new regulations: "Supervision System for Large Cash Assets". The implementation of this system means that whether it is a personal account or a business account, the debit card asset base has been added with a "restriction lock" and drawn a "red line". When the amount of funds exceeds this red line, the bank will immediately contact the relevant departments to investigate and analyze the source of funds, prevent the occurrence of illegal and criminal activities such as money laundering and fraud, and achieve "preemptive strike". ”。; When a problem with the source of funds is discovered, the bank immediately freezes the account. Currently, the system is still in a pilot state. At present, it is only piloted in Zhejiang, Hebei and Shenzhen, Guangdong. In addition, the standards of these pilot provinces and cities are also very different. In the personal account, the "red line" in Zhejiang is set to 200,000, Hebei is only 100,000, and Shenzhen is 300,000; But the "cap lock" for business accounts is 500,000.
In fact, the national pilot large-scale fund management is not deliberately "difficult" for depositors, but has formulated a set of detailed rules. Banks only verify funds when they touch the "red line". If the source of funding is confirmed. The problem, even if we issued a bank card and ID card to go to the bank for business, the funds were not transferred or withdrawn. Generally speaking, it is to crack down on illegal crimes and ensure the safety of funds. In the three pilot provinces and cities, if you want to handle large deposits and withdrawals, you must check in advance whether the amount of funds has touched the "red line"; If the deposit exceeds the limit, it is best to proactively provide the bank with proof of the source of funds to prevent affecting subsequent cash flow; In case of withdrawals, an appointment with the bank is required one day in advance.
Why is it suddenly "locked"
In fact, the introduction of the large-amount fund management system is very necessary for the reason. First, the new rules give banks more management power. Banks can take immediate action when they detect abnormal cash flows to prevent criminals from taking advantage of the "time difference" between banks and public security organs to prevent illegal transactions such as money laundering. Financing loopholes. Second, some illegal and criminal activities often have a large flow of funds, such as smuggling, trafficking in illegal goods and other activities. Liquidation and disbursements often require large amounts of capital. Controlling a large amount of money is equivalent to placing a "blackmail curse" on them. Combat similar illegal activities by restricting the flow of funds. Last but not least, fraud prevention. Telecom fraud is on the rise. Often, not only the elderly, but also the young fall into the trap because they don't know about scams. In order to avoid the monitoring of electronic payment platforms, fraudsters often choose to remotely control victims to withdraw money and transfer money at ATMs to carry out fraud. Previously, without this system, criminals would have had enough space and time to commit crimes. But thanks to the impact of large cash management systems, banks can quickly detect anomalies and intervene in time, which can prevent more undetected crimes. People are deceived.
From this point of view, large cash management actually has little to do with us ordinary people. Nowadays, mobile payment systems are very convenient. We go out with almost no cash. Therefore, cash is rarely used for payments, and it is almost impossible to transfer large sums of money at the bank. Therefore, the management of large amounts of money is to combat illegal crimes, and the impact on us is limited. We don't have to worry about the impact of this new system. Even if we need a large amount of funds, as long as we can provide valid proof and do not engage in illegal activities, after the bank's inspection, it will not have any impact on our funds, and in general, we can receive them in a timely manner. Processing.
New trends?
As mobile payments become more and more developed, banks seem to be moving further and further away from our lives. Judging from statistics, the number of mainland bank branches has plummeted from nearly 110,000 in recent years to 106,000, and two or three thousand bank branches have disappeared from our lives. At the same time, the number of ATMs that used to be responsible for important banking services is decreasing. Compared with last year, the number of ATMs in mainland China has decreased by 80,000 units, and the current stock is 1.01 million units. Some people even think that ATMs are entering the stage of history, but this is not the case. The central bank launched the digital yuan last year and began to lay out the electronic payment market. Some bank ATMs have also launched pilot services to enable the mutual exchange of digital RMB and physical RMB. This feature of ATMs makes it the most important in the future. One of the financial platforms.
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