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The continuous optimization of financial regulatory policies will promote the vitality of the financial market, improve social fairness and justice, and reflect the maturity and progress of the national financial system.
The latest Notice on Optimizing the Requirements for the Withdrawal of Small Deposits by Deceased Depositors raises the upper limit of notarization of small estate deposits from 10,000 yuan to 50,000 yuan, simplifying the inheritance process, improving efficiency and protecting the rights and interests of heirs.
The smooth implementation of the new policy requires the full support and strict implementation of financial institutions to ensure that the rights and interests of heirs are effectively protected.
First, the deposit inheritance policy ushered in important new regulations
The mainland's financial regulators have begun to continuously optimize financial regulatory policies according to the needs of social development, among which the small deposit inheritance policy is the key optimization object.
The People's Bank of China, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission and the State Administration of Foreign Exchange jointly issued the Notice on Optimizing the Requirements for Withdrawal of Small Deposits of Deceased Depositors (hereinafter referred to as the "Notice").
The new policy increases the upper limit of notarization of small inheritance deposits from 10,000 yuan to 50,000 yuan, simplifying the inheritance process.
In the new policy, the heirs can withdraw deposits according to the requirements of the bank with the deceased's household register, passbook or bank card, the identity certificate of the deceased and the heirs, the death certificate of the deceased, the notarial certificate of inheritance issued by the notary public, the identity certificate of the heir, the identity certificate of the depositor and the death certificate, without the need for notarization procedures, which improves the withdrawal efficiency of the heirs.
2. The rights and interests of the heirs are protected
The new policy also simplifies the procedures for withdrawing funeral expenses and pensions, and is not subject to the account limit of 50,000 yuan, making it easier to obtain funds.
With the introduction of the new policy, all financial institutions have also unanimously stated that they will strictly implement the new policy to protect the rights and interests of heirs.
The introduction of the new policy has also been unanimously affirmed by various industries, and industry insiders said that the new policy not only facilitates the heirs, but also brings a positive signal to the banking industry and improves the protection of citizens' property rights and interests.
After the new policy is implemented, the bank will verify the identity of the heir who withdraws the small deposit, and the withdrawer has the right to use the bank's public service terminal to operate, and the heir needs to provide the identity certificate of the depositor, the identity certificate of the heir and the notarial certificate of inheritance, and the bank staff will check the identity information and the content on the notarial certificate of inheritance, and after the verification is passed, the heir can withdraw the deposit.
The new policy also protects the privacy information of depositors, after the new policy is implemented, the bank staff will protect the privacy of the heirs, and the heirs can only view the account transaction details of the depositor in the first 6 months of his life and after his death, if the heirs need to view the transaction details of the deceased's account before his death, he needs to provide the identity certificate of the depositor, the identity certificate of the heir and the notarial certificate of inheritance, and at the same time, he must indicate "account transaction details before death" on the inheritance certificate After obtaining a notarial deed from a notary public, the heirs can view the account details at the bank.
3. The rights and interests of the heirs are protected
Such a measure is conducive to balancing the needs of the heirs for account information inquiry and the privacy of the deceased.
The new policy also further expands the scope of "simplified extraction", eliminating the need for notarization steps, saving time and costs.
When the bank makes a deposit withdrawal, it must check the identity information of the heir and the account information of the depositor to ensure the security of the deposit withdrawal.
The introduction of the new policy will effectively protect the rights and interests of the heirs, simplify the inheritance process, make it more convenient, and better protect the rights and interests of the heirs.
epilogue
The optimization of the mainland's financial regulatory system will also bring greater vitality to the financial market, make the financial market more fair and just, and improve social fairness and justice.
At the same time, the introduction of the new policy also reflects the maturity and progress of the mainland's financial system, which is conducive to improving the efficiency of financial supervision and making financial supervision more in line with actual needs.