The difference between postal savings card 1 and Card 2.

The first card of China Postal Savings Bank is a Class I account, and the second card is a Class II account. Among them, Class I accounts are full-featured accounts, which are known as debit cards, and generally refer to accounts opened through traditional bank counters that meet all strict requirements in real-name registration system. Simply put, it is a savings card or debit card in your hand.

2. Support different businesses

The businesses that Class II households do not support include third-party depository, bancassurance, bancassurance transfer, foreign currency deposit and withdrawal, electronic cash account, easy consumption and turnover. In addition to the above businesses, it supports all other businesses, such as professional edition, foreign exchange settlement and sale, fund, wealth management, cash deposit and withdrawal, loan issuance and repayment, online payment and consumption abroad. , and supports all flash services except HCE and Ese.

Personal wage income, large-sum transfer, bank-securities transfer, payment of medical insurance, social insurance, pension and provident fund of Class I households are handled by Class I households.

3. There are different restrictions on the quantity of issuance and entry.

Various accounts of Class II households (excluding binding card transfer, loan issuance and financial redemption) ≤ 1 10,000/day, 200,000/year; Various accounts (excluding binding card transfer, loan repayment and house purchase financing) ≤ 1 10,000/day, 200,000/year.

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The second-class bank account may be a commonly used account, and it is used for daily consumption, online shopping and online payment. In other words, the daily consumption mainly depends on the bank II account.

The main feature of the second-class bank account is that it is particularly convenient to use and involves relatively little funds. According to the current regulations, the use of bank II accounts for consumption and payment, the transfer of funds from unbound accounts and the access to cash are all restricted.

China's state-owned commercial banks and joint-stock commercial banks will open Class II accounts through electronic channels before June 2065438+2008. In other words, you can open second-class accounts in online banking, mobile banking, direct banking, intelligent teller machines, etc. You don't have to go to the bank counter in person.

In addition to Class I and Class II households, there are also Class III households, which can handle the business of restricting consumption and payment and restrict the transfer to unbound accounts. The identity of the bank staff is confirmed by the bank counter and self-service equipment in person.

Class III families can also handle the transfer of funds from unbound accounts. Among them, the balance of Class III account does not exceed 65,438+0,000 yuan; The daily cumulative limit of funds transferred to unbound accounts is 5,000 yuan, and the annual cumulative limit is 65,438+10,000 yuan; The daily cumulative limit of consumption, payment and transfer to unbound accounts totals 5,000 yuan, and the annual cumulative limit totals 654.38+10,000 yuan.

Editing and broadcasting related events

On March 20th, 2020, China Postal Savings Bank celebrated the third anniversary of the establishment of "Postal Love Public Welfare Platform", which was another year's "Postal Love Public Welfare Day". On the same day, the Postal Savings Bank, together with the China Foundation for Poverty Alleviation and Tencent Public Welfare, launched a charity fund-raising campaign to raise money for the Postal Savings Charity Fund, and at the same time launched a special charity fund-raising campaign in Hubei to help poor students in Hubei who are facing difficulties due to the epidemic to tide over the difficulties. In the past three years, the Postal Savings Bank has actively participated in public welfare undertakings, relying on the "postal love public welfare platform" to help win the tough battle of education and poverty alleviation. The "Postal Love Public Welfare Fund" raised more than 28 million yuan to set up "Postal Love Self-improvement Class" in 33 high schools in 8 provinces across the country, helping more than 2,900 poor high school students realize their dreams of becoming talents. [36]

From June, 5438 to February, 2020, China Banking Regulatory Commission imposed a fine of 45.5 million yuan [20] on some non-guaranteed wealth management products, and issued a list of wealth management investments that were inconsistent with the facts.

On June 5438+February, 2020, the Consumer Protection Bureau of China Banking Regulatory Commission issued the Notice on Consumer Complaints in the Banking Industry in the Third Quarter of 2020 (hereinafter referred to as the Notice). Postal Savings Bank, Industrial and Commercial Bank of China and China Construction Bank rank among the top three large state-owned commercial banks in terms of financial complaints. [ 15]

The administrative penalty decision issued by China Banking and Insurance Regulatory Commission on March 8, 2020/KLOC-0 shows that the Postal Savings Bank has some behaviors, such as inadequate implementation of traceability system, inadequate traceability basic management, non-delivery or lack of traceability video materials, and high proportion of unqualified businesses in quality inspection. In this regard, the CBRC decided to impose a fine of 500,000 yuan on the head office of the Postal Savings Bank. [ 16]

On March 20th, 2002/Kloc-0, the annual "Postal Love Public Welfare Day", China Postal Savings Bank launched "Looking Back for a Hundred Years and Striving Forward" in Baise, Guangxi. On March 20th, with the torch lit, the hiking team composed of employees of Postal Savings Bank shouted loud slogans, waved the flag of Postal Savings Bank Volunteers Association, and carried out hiking activities in the baise uprising Memorial Square to publicize "Postal Love Public Welfare" and convey the spirit of public welfare. Now, after four years of accumulation, the "post-love public welfare platform" has achieved fruitful results, and the concept of "post-love public welfare" has been deeply rooted in the hearts of the people. According to statistics, in the past four years, the Postal Love Charity Fund has raised more than 32 million yuan, set up "Postal Love Self-improvement Class" in high schools in 43 counties across the country, and awarded "Postal Love Scholarship" to outstanding high school graduates admitted to universities, benefiting more than 6,200 students. [38]

On April 8th, 20021,the head office of China Postal Savings Bank1more than 20 people went to Luxi Garden in Fangshan, Beijing to carry out the voluntary tree planting activity of 20021"Inheriting Red Genes and Spreading Green Hope". Since 20 19, the Postal Savings Bank has actively participated in the voluntary tree planting activities of China Post Group Co., Ltd. for three consecutive years, calling on employees to actively participate in the green economy and ecological environment protection to help the country's green development. By the end of 2020, the bank had carried out 583 offline tree planting activities, built 49 tree planting bases 149, participated in voluntary tree planting10.05 million trees and planted more than10.46 million trees. [37]

On June 22nd, 20021year, employees of Xiangshan Sub-branch of Postal Savings Bank, under the leadership of lobby manager Chang Lu, collectively practiced their six sign languages. [26]

On July 5, 2002 1 year, according to the disclosure form of administrative punishment information of the Bank of China Insurance Regulatory Commission, China Postal Savings Bank Co., Ltd. has the following main illegal facts:1.It illegally collects annual account fees and small account management fees from some customers; 2. Handling SMS charging business in violation of regulations without the consent of customers; Three, the information system related functions in the development, production, maintenance, post evaluation and other aspects of defects and deficiencies; 4. The contents of the materials submitted to the regulatory authorities are untrue; 5. Failing to submit materials within the supervision period; The intransitive verb fails to provide relevant vouchers for business security according to the regulatory requirements. China Banking Regulatory Commission decided to confiscate the illegal income of11.405438+01/60000 yuan, and impose a fine of 4.3725 million yuan, with a total fine of 44938+0 million yuan. [27]

During the rainstorm on the night of July 20th, 2002/KLOC-0, the person in charge of Zhong Yi West Road Sub-branch in Zhengzhou City, Henan Province and several staff members provided hot water, towels and other items for dozens of people who had just been evacuated, and urgently coordinated the property management company to transfer some people to nearby restaurants. With the help of the staff of the Postal Savings Bank, everyone had a hot meal and their physical strength slowly recovered. [39]

On the morning of July 2 1, the staff of Jinshui East Road Sub-branch in Zhengzhou City, Henan Province invited the stranded passengers to enter the outlets to rest and provide tea. When they saw a pair of full-moon twins crying all the time wrapped in a thin blanket, the staff quickly found some small quilts and laid them layer by layer, which set up a temporary "crib" for the twins and provided convenience for passengers who were in a hurry. [39]

On July 28th, 20021year, China Postal Savings Bank successfully underwritten the third-phase debt financing plan of Shanxi International Power Group Co., Ltd., with a scale of 500 million yuan and a term of 1+ 1 year. This product is the first debt financing plan linked to sustainable development in China. The successful landing of this business is a positive attempt by the Postal Savings Bank to actively explore transformational finance and vigorously support green and low-carbon transformation and development. [44]

On July 30th, 20021year, China Postal Savings Bank successfully put into operation the new generation distributed core system operation and maintenance platform, which is another important stage achievement after the launch of the new generation distributed core system technology platform of Postal Savings Bank, and marks the beginning of a new chapter of intelligent operation innovation of Postal Savings Bank. [45]

On August 5th, 20021year, China Postal Savings Bank officially launched the online special discount product "Shannon e-Post" for rural revitalization, which was piloted in four branches in Jiangsu, Fujian, Shandong and Shaanxi, and successfully lent RMB 29,654,38+million to enterprises such as Fujian Yuancheng Bean Industry and xi 'an Zaihui Trade. The investment fields involved agricultural and sideline products processing and grain. [46]

On August 27th, 20021year, China Postal Savings Bank issued the Outline of the 14th Five-year Plan of China Postal Savings Bank. It is clear in the planning outline that the strategic goal of the Postal Savings Bank during the "14th Five-Year Plan" period is to empower high-quality development with financial technology, accelerate the transformation of business model, build an intelligent risk control system, enhance the ability of value creation, and build a leading digital eco-bank serving rural revitalization and new urbanization. [47]

On the afternoon of September 65438, 20265438, the Postal Savings Bank, the People's Bank of China, the Insurance Regulatory Commission of the Bank of China, the China Securities Regulatory Commission, the State Administration of Foreign Exchange, the Guangdong Provincial People's Government, the Hong Kong Special Administrative Region Government and the Macao Special Administrative Region Government jointly held the launching ceremony of the "Cross-border Wealth Management Link" business by video link, and Guangdong, Hong Kong and Macao simultaneously released the "Guangdong-Hong Kong-Macao Greater Bay Area Cross-border Wealth Management Link" pilot business. The Postal Savings Bank is actively preparing for "cross-border wealth management" business, and is committed to providing investors with more abundant investment products and serving the construction of Guangdong-Hong Kong-Macao Greater Bay Area. [48]

On September 23rd, 20021year, the Postal Savings Bank and China China State Railway Group Co.,Ltd. Co., Ltd. signed a strategic cooperation agreement, and the two sides reached cooperative opinions on investment and financing, electronic payment, cash management and fund settlement. Efforts will be made to expand the pragmatic and open "railway+finance" cooperation mode, continuously improve the inclusive service capacity of railway finance, provide high-quality and efficient financial guarantee for strong railway traffic, and provide transportation support for the implementation of major national strategies. [49]

On June 25th, 2022, according to the news of China Postal Savings Bank, it is planned to add the preferential policy of Pang Hu card of China Postal Savings Bank, and adjust the exclusive card types, names and preferential policies of farmers' harvest card and veterans' service card. [54]