What is the general purpose of going to the bank to withdraw cash?

Just write down the use of funds truthfully, which is a way for banks to monitor the flow of funds and is also a requirement of the state to fight money laundering. Generally speaking, it is not necessary for individuals to withdraw cash in small amounts, but only for large amounts or corporate accounts. Of course, different regions have different requirements for relevant quotas.

I. Large cash management

As for the large cash management pilot, the central bank has actually issued relevant documents. In the early stage, it was piloted in Zhejiang and Shenzhen, and related pilot work has been carried out.

According to the arrangement of relevant departments, Zhejiang Province and Shenzhen City will also start the pilot work of large cash management from last year. This large cash management pilot is simply aimed at managing large cash withdrawals of individuals or corporate customers, thus cracking down on some large cash crimes such as money laundering.

Zhejiang Province

Specifically, the detailed rules for the management of large cash in Zhejiang pilot project are that if the personal account is withdrawn more than 300,000 yuan and the unit account is more than 500,000 yuan, it is necessary not only to make an appointment in advance, but also to make relevant registration. In addition, for some special industries, such as wholesale and retail, automobile enterprises, real estate sales and other industries in the province, the quota standard has been improved, which can be said to be more humanized.

Shenzhen

For Shenzhen, the threshold for large cash management is 500,000 yuan for company account and 200,000 yuan for private account. If it exceeds this amount, you need to make relevant registration appointments.

The registration content is not much, mainly to fill in the information such as the purpose of withdrawal and the source of deposit. Judging from the limit of withdrawal and the contents filled in, it will not affect ordinary people. However, if you don't make an appointment to register according to the regulations, the process of cash withdrawal will not be so smooth.

Of course, at present, large cash management is only piloted in a few areas and has not been promoted nationwide. Local governments will set limits on individual and corporate accounts according to local actual conditions to minimize the impact on ordinary people.

Second, the impact of large cash management

In many cases, people don't use a lot of cash. With the popularity and penetration of mobile payment, there are fewer and fewer places where cash can be used in daily life. According to the data released by the central bank, the number of ATMs in China decreased by more than 40,000 in the first half of this year, which also reflected some problems.

If you really need to use large sums of money, you can also choose the way of transfer. At present, some banks' mobile banking supports a single transfer of more than 500 thousand or even more. I believe this amount can meet the transfer needs of most depositors.

In case the amount is not enough, you can transfer money at a bank outlet or apply to the bank to increase the amount of mobile banking transfer. In terms of security, transferring money may be safer than directly using large amounts of cash.

Nowadays, after the introduction of the large cash management pilot, the cash withdrawal banks that meet the management threshold have nothing to talk about and must make an appointment to register.