Deposit more than “this number” are strictly investigated, 3 pilot has been launched!

Recently, according to mainland media reports, the central bank has issued a new rule, for personal savings control more stringent.

We Chinese people are different from Westerners, Chinese people like to save money, Westerners like to spend. There are two main reasons why Chinese people save money: one is that they save it for emergencies. Like the epidemic that happened early last year, everyone was locked up at home, and without a little savings, it would have been very difficult. In addition, there are medical care, pension, unemployment and other problems, if not save a little money, in the face of the crisis will be difficult to do nothing.

The other is, each family of the people, if the balance of one or two thousand dollars a month, if the bank inside, over time, you can accumulate more. Save to a certain extent, can be used for retirement purposes, and can pay the down payment for a house, but also to buy a car, buy small appliances. Anyway, if we don’t save some money in the bank, we will feel insecure, and having a deposit of more than 100,000 or 200,000 to 300,000 in our hands may make us feel more secure.

However, the central bank has a new restriction on personal access to money, and this provision has been in some places in the pilot, including Shenzhen, Zhejiang, and Hebei. From the point of view of the rules, the three places that have implemented this provision, the restrictions on public accounts and private accounts are not the same, the public accounts of all three places are unified is not allowed to exceed 500,000 yuan, but the restrictions on personal accounts around the completely different. Hebei’s limit on personal accounts is 100,000, Zhejiang’s limit is 300,000, and Shenzhen’s limit is 200,000.

According to the relevant regulations, as long as the above limit is exceeded, it is not allowed to withdraw the money at will, you must make an appointment with the bank in advance, and then fill in the information about the withdrawal of cash, and the use of the money and the source of the deposit must be registered clearly, after examination, so that you can be allowed to withdraw this part of the cash.