Recently, a citizen in Zhejiang released a video saying that when he went to the bank to deposit 50,000 yuan in cash, he encountered staff inquiries about his occupation, source of cash, and many other issues, and was asked to provide proof of income and other materials.

This matter has aroused social concern.

So, why do you need proof of income for cash deposits?

　　On February 7, the reporter randomly interviewed the front-line staff of 18 commercial banks and found that at present, each bank has different specific implementation methods for due diligence and identity data storage and management of customers with cash deposits and withdrawals of more than 50,000 yuan. At this stage, there is no bank It is clearly stated that income proof and other information are required, but many banks will make "normal inquiries".

　　It is understood that at the end of January last year, the central bank, the China Banking and Insurance Regulatory Commission, and the China Securities Regulatory Commission jointly issued relevant documents, mentioning that financial institutions such as commercial banks and rural cooperative banks handle single transactions of RMB 50,000 or more or the equivalent of 1 yuan in foreign currency for natural person customers. For cash deposits and withdrawals of more than US$10,000, the identity of the customer shall be identified and verified, and the source or purpose of the funds shall be known and registered.

　　However, the above-mentioned three departments subsequently issued an announcement stating that the implementation of the above-mentioned documents, which was originally scheduled to be implemented on March 1 last year, was suspended due to technical reasons, and the relevant business will be handled according to the original regulations.

　　A deposit of 50,000 needs to provide proof of income and other materials?

　　Responses from 18 banks came

　　As a consumer, the reporter interviewed the actual implementation status of 18 commercial banks' branches in Beijing.

Through interviews, it was found that the staff of 18 banks all said that they do not need to provide proof of income and other materials for a deposit of 50,000 yuan.

　　Among them, the staff of Industrial and Commercial Bank of China (601398.SH) Beijing Guangqumen Sub-branch, China Merchants Bank (600036.SH) Jianguomen Sub-branch, and China Everbright Bank (601818.SH) Beijing Jianguomen Sub-branch told reporters that more than 50,000 yuan in cash Just get your ID card.

Relevant staff of China Construction Bank (601319.SH) Guangqumennei Street Sub-branch and Huaxia Bank (600015.SH) Beijing Dongwai Sub-branch all said that they have not received relevant notices (requests for materials or inquiries) for the time being.

　　However, a staff member of the Fuguiyuan Sub-branch of the Agricultural Bank of China (601288.SH) said, "I will ask for it in the future." The staff member said that as long as he can provide the corresponding documents and medium.

The staff of the Industrial Bank (601166.SH) Shuangjing branch said: "Cash deposits will record the serial number, so there is no need for customers to provide materials or explain the purpose, and it can be associated automatically."

　　In addition, the staff of Industrial and Commercial Bank of China Beijing Guangqumen Sub-branch, Agricultural Bank of China Fuguiyuan Sub-branch and other banks said that if they want to withdraw more than 200,000 yuan in cash, they need to make an appointment one day in advance.

　　Do I need to ask the source for large deposits?

　　Many banks said that "more than 50,000 will be"

　　In interviews, some commercial bank staff also said that cash deposits of more than 50,000 yuan would be "normally inquired".

What will they ask about?

　　Staff members of Anzhen Sub-branch of Bohai Bank, Bank of China (601988.SH) Xingfu Street Sub-branch, Postal Savings Bank of China (601658.SH) Chongwen Sub-branch, Bank of Communications (601328.SH) Chongwen Sub-branch, Hengfeng Bank Financial Street Sub-branch and other banks In an interview, he said that when depositing and withdrawing more than 50,000 yuan in cash, he will ask about the source and purpose of the funds.

However, the staff of the Xingfu Street Branch of the Bank of China said that if it is divided into 20,000 and 30,000 deposits, it is not necessary.

　　As for the reason, the staff of Chongwen Branch of Postal Savings Bank of China explained, "In order to prevent telecom fraud, I will ask." The staff of Chongwen Branch of Bank of Communications added, "It's about salary, just tell the truth, generally just ask, Nothing special."

　　The staff of the Fangzhuang Sub-branch of Shanghai Pudong Development Bank (600000.SH) revealed that large withdrawals of more than 50,000 yuan need to be booked in advance. The appointment is made before 12:00 noon on the same day, and withdrawals can be made the day after tomorrow. When withdrawing, they will ask about the purpose of the withdrawal.

　　The staff of Zheshang Bank (601916.SH) Jinbao Street Branch said, "If it is a (large) transfer, we will ask a little more, ask clearly about the use, and may also transfer the transfer limit."

　　In addition, the staff of the Sanhuan Xincheng Sub-branch of Ping An Bank (000001.SZ) stated that whether information is required to fill in varies from account to account.

"Accounts have their own comprehensive rating. Only when you operate your business can you know whether your account will be 'triggered' when depositing and withdrawing cash. Basically, most of them are unnecessary. Customers verbally state the source of funds, What is the purpose, no need to provide materials; 'triggered' may need to fill out a form, and write down the purpose and source of the cash."

　　Expert opinion:

　　Customer due diligence, identity verification

　　Preventing and Deterring Money Laundering and Terrorist Financing

　　Zhao Xijun, co-director of the China Capital Market Research Institute of Renmin University of China, told reporters that at present, my country's relevant regulatory rules are becoming more and more standardized and stricter, especially in the operation of commercial banks.

"Due diligence and identity verification of customers are not separate requirements of our country, but international requirements for commercial banks to prevent and curb money laundering and terrorist financing activities."

　　The People's Bank of China has stated that in the next step, the People's Bank of China and other departments will urge financial institutions to continuously improve the level of anti-money laundering work, standardize the performance of anti-money laundering duties, and effectively prevent and control the risk of money laundering and terrorist financing in my country.

　　Chengdu Commercial Daily-Red Star News reporter Wang Chenyuan Wu Yang reports from Beijing