On August 10, a news that "a box of cash was roasted into black charcoal, and the bank helped to exchange 147,550 yuan" attracted everyone's attention.
Ms. Zhou's home in Chongyang, Hubei, was burned into coke by a fire. With the efforts of the provincial, municipal and county three-level people's banks, experts identified the carbonized damaged coins, and the staff of the local rural commercial bank worked hard to count them. Ms. Zhou exchanged 147,550 yuan, recovering nearly half of the loss.
Many netizens highly praised the service spirit of the bank staff, and at the same time, they also raised doubts: It is impossible to see that it is a banknote after burning it, so it can be exchanged?
In response to this question, a reporter from Beijing Youth Daily interviewed industry insiders.
Whether it can be exchanged depends on the specific situation
Beiqing Daily reporters saw from relevant news photos and videos that most of the cash in Ms. Zhou's family was burned into lumps of black carbon that were similar to a cuboid. The bundle of hundred-yuan banknotes can also be recognized with the word "100".
According to reports, the bank staff who counted on the spot were careful to peel it off bit by bit with a toothpick.
The four staff members counted from 10:00 a.m. to 2:30 p.m. without a break at noon, and counted the damaged coins that could be exchanged for 147,550 yuan.
A reporter from Beiqing Daily contacted an industry insider who had dealt with similar cases from other places.
The person said that the carbonized RMB after the fire is not completely inconvertible.
Whether it can be exchanged or not, you need to go to the scene to see the specific situation of the money. Some details cannot be fully displayed in the video and pictures.
According to his experience, important anti-counterfeiting features such as metal security threads should also be distinguishable on the spot.
Judging from the photos, Ms. Zhou's money is basically the whole piece. It can be seen that it is the size of the banknotes, and it is not broken. "If it is broken, it will be impossible to distinguish."
The person also said that in the past few years, some people like to put cash at home, and once it is stolen or caught in a fire, it will cause great economic losses.
After a lot of publicity by financial institutions and the rise of electronic payment in recent years, such cases have become less and less.
You need to go to the local People's Bank to apply for identification
It is understood that on May 25, 2017, the People's Bank of China officially issued and implemented the financial industry standard "RMB Notes Not Suitable for Circulation", which clarified the concept of RMB not suitable for circulation and defined the characteristics of various damaged RMB.
According to this standard, 12 types of damaged RMB are not suitable for circulation, including "carbonization".
The standard stipulates that RMB banknotes are not suitable for circulation if one of the following conditions occurs on the RMB banknotes due to the high temperature, resulting in partial carbonization of the paper on the surface of the paper: if there is carbonization in one spot, the carbonization area is greater than 10 square millimeters; The cumulative carbonized area is greater than 18 square millimeters; although the carbonized area of the ticket does not exceed the specified standard, it covers one of the important anti-counterfeiting features and affects the anti-counterfeiting function.
According to relevant regulations, banking financial institutions must sort out the coupons in accordance with the standards in the cash collection and payment business, and shall not pay RMB that is not suitable for circulation to the public; if the public holds or receives RMB that is not suitable for circulation, they should go to the bank in time. exchange with financial institutions.
Banking financial institutions shall, in accordance with the provisions of the People's Bank of China, exchange mutilated and defaced RMB for the public free of charge.
Industry insiders told the Beiqing Daily reporter that for ordinary defective or defaced renminbi, citizens can directly exchange it at the bank, but for Ms. Zhou's family's special defective and defaced renminbi, it cannot be exchanged at ordinary bank outlets. Citizens can go to the bank. The local branch of the People's Bank of China applies for authentication and exchange.
The so-called special incomplete and defaced RMB refers to the damage to the appearance, texture and anti-counterfeiting characteristics of the paper due to special reasons such as fire, moth-eaten, rat bites, mildew, etc. It is not appropriate to continue to circulate and use the RMB.
Specially damaged or defaced RMB is generally caused by improper storage, which is very difficult to exchange and will bring irreparable losses to the holder. Therefore, citizens should try their best to deposit cash in the bank, and do not keep a large amount of cash at home.
For special defective and defaced RMB, do not beat, squeeze or rub it, keep it as it is, and exchange it at a local designated special cash business outlet in time.
If you do not know how to deal with it, you can consult the nearest bank branch.
hint
The exchange is divided into two cases: full amount and half amount
It is understood that the "Measures for the Exchange of Incomplete and Defaced RMB of the People's Bank of China" stipulates that all financial institutions handling RMB deposits and withdrawals shall exchange incomplete and defaced RMB for the public free of charge, and shall not refuse to exchange.
There are two types of exchange for incomplete and defaced RMB: "full amount" and "half amount".
If the denomination can be identified, the remaining three-quarters (including three-quarters) of the face of the ticket, and the pattern and text can be connected as they are, which are incomplete or defaced, the financial institution shall exchange the full amount of the original denomination to the holder.
If the denomination can be identified, and the remaining half (including one-half) to less than three-quarters of the face of the ticket, the pattern and text can be connected as they are, the financial institution shall pay the holder the original denomination of the original denomination. Convert half.
Banknotes in the shape of a regular cross are missing a quarter and are exchanged for half of the original denomination.
In addition, if the face of the ticket is more than 1/2 incomplete, or the face of the ticket is defaced, scorched, water-soaked, oil-soaked, or discolored, and it is impossible to distinguish the true from the false, or if it is deliberately digged, altered, cut-and-pasted, or removed, it cannot be exchanged.
This group of articles / our reporter Cheng Jie