With the development of modern society, mobile phone payment is more and more popular. Not only can Alipay pay, but also can be paid by WeChat, or it is paid by UnionPay. However, for a large amount of money, many people will still choose to put their money in the bank because the risk will be relatively low. So what are the new regulations on bank transfer? You can refer to the following answers.
In fact, what you may not know is that the bank has a monitoring system. In order to ensure everyone's capital safety, every income is accounted into the background data, but the amount of transfer every day is so large that the bank staff certainly do not have time to check every account. If illegal transactions are involved and there are accounts available, The backstage staff will fall out to check the legitimacy of the funds.
The original rule was that a personal account of more than 50000 yuan belongs to a certificate of deposit. If there is a suspicious payment, it will be monitored. But now this limit has been changed. Since December 1, many banks have adjusted the limit of 50000 yuan to 200000 yuan. How to distinguish what is a suspicious limit? Mainly from these points.
Suppose that large transactions occur frequently over a period of time. For example, the original personal income amount is only a few thousand or tens of thousands of yuan. In a certain period of time, 200000 yuan or even 500000 yuan are frequently transferred into the account, or in another case, it is scattered and frequently transferred out. To sum up, it is in a short time, In case of income behavior inconsistent with your personal financial ability, the general bank staff will monitor the money.
Then you may wonder if the bank will invite the bank to have tea as long as the transfer record of more than 200000 yuan? In fact, it's not like this. Tens of thousands of people who earn more than 200000 yuan a day can't spend so much manpower to monitor. This is also probabilistic.
In fact, people who have handled POS machines have deep experience. For example, if a 50000 yuan transfer is made many times, they may receive a text message of 'money laundering' and inexplicably carry the black pot. However, this is also a way for banks to protect everyone's capital security. For criminals, the bank's anti money laundering monitoring system still plays a certain vigilant role. Another function is to make a backup for tracking down money laundering.
However, you can rest assured that the bank is only a financial institution, not a law enforcement agency. If you want to audit accounts, it is not bad. Personal deposit accounts are already protected by the law. If you don't do anything at ordinary times, the general bank staff won't ask you for tea.