Why did the bank make an appointment to withdraw more than 50 thousand? The bank has no money?

Banks need to make an appointment to withdraw more than 50 thousand yuan, mainly considering capital reserve and security issues. As long as you have money in your account, the bank has money. How can the bank have no money?

In the document "Notice on Strengthening the Management of Personal Deposit and Withdrawal Business of Financial Institutions", there are relevant regulations for individuals to withdraw large amounts of cash, requiring financial institutions to "withdraw more than 50,000 yuan (excluding 50,000 yuan) in cash from savings accounts at one time, and the counter staff of savings institutions must ask the payer to provide valid identity documents, which will be paid after being reviewed by the person in charge of the savings institution."

In other words, if individual depositors withdraw more than 50,000 yuan in cash at one time, they must bring valid identity documents, otherwise the bank cannot handle it for you. However, in the actual implementation process, it is necessary to make an appointment with the bank if it exceeds 50,000 yuan, otherwise it may not be taken out.

I have actually encountered this situation. A few years ago, I went to a business department of ICBC to withdraw cash, and the principal and interest exceeded 50,000. After arriving at the bank, the salesperson asked if there was an appointment, and I said no. She said she needed to make an appointment in advance to get it. I explained to her for a long time that I needed a down payment to buy a house, and finally she got it for me. She also said, fortunately, there are many deposits today, otherwise you can't take them out without making an appointment.

In fact, the reserved amount stipulated by the People's Bank of China is 200,000 yuan. According to the regulations of the People's Bank of China, "if a financial institution handling personal deposit and withdrawal business withdraws more than 200,000 yuan (including 200,000 yuan) at one time, the payee must make an appointment by telephone at least 1 day in advance, so that the bank can prepare cash." However, due to the different scales of different banking departments, the cash prepared is different. The central business department has a large business volume and may have sufficient cash. Small business departments and rural business departments may have less cash, so it is difficult to withdraw large sums without making an appointment.

In addition to considering the liquidity of bank preparation, large cash withdrawal also involves the safety of funds. The notice also stipulates that "financial institutions that handle personal deposit and withdrawal business, depositors who withdraw more than 50,000 yuan (excluding 50,000 yuan) in cash from their savings accounts at one time or withdraw more than 50,000 yuan (excluding 50,000 yuan) in cash several times a day must file with their provincial branches and report to the provincial branches of the local People's Bank for the record."

For security reasons, this paper will monitor the capital flow. If the daily withdrawal amount exceeds 50,000 yuan, it needs to be reported to the superior. Even electronic transfers and withdrawals, including third-party payment systems such as Alipay and WeChat payment, will be monitored by the central bank.

Therefore, it is necessary to make an appointment to withdraw money above a certain amount, mainly because the bank prepares cash in advance. More than 50,000 yuan, in order to ensure the safety of funds, it is necessary to carry valid identity documents and report to the higher authorities.

Some people say that I need to make an appointment to get 50 thousand yuan from the bank. If I go to deposit 100 million yuan, I will definitely treat you as a VIP without an appointment. So some people say that banks are deliberately making things difficult for depositors. Actually, it's not exactly like this. Banks have bank rules, and they only follow the rules. There are several main reasons:

1. The daily cash reserves of banks are limited: banks absorb many depositors' deposits every day, but not all deposits will be deposited in banks. Instead, according to the daily withdrawal needs, part of the cash is transferred from the vault, and the rest is deposited in the vault of the branch or turned over to the People's Bank of China. On the one hand, it is to ensure the safety of cash, on the other hand, cash that is temporarily unused will earn a certain interest income by depositing it in the People's Bank of China. We often see cash trucks deliver boxes of cash to various bank outlets in the morning, and then transport the absorbed cash when they get off work in the afternoon.

If there are too many large withdrawals on the same day, the bank may not have enough cash for other depositors to withdraw. Therefore, considering the overall situation, banks generally require large withdrawals to make an appointment in advance, just to prepare more cash the next day!

2. Cash withdrawals of more than 50,000 yuan should be reported: Now the central bank's supervision of cash transactions is becoming more and more strict. Personal account withdrawals of 50,000 yuan should be reported to the local people's bank, and personal account transfers of more than 500,000 yuan and enterprise account transfers of more than 2 million yuan should be reported. This is the central bank's rule, and all banks follow the rules!

Third, banks should prevent the loss of large customers: banks have various performance assessment tasks every month and quarter, of which deposits and loans are two very important assessment indicators. If there are too many large withdrawals, the bank's stock funds will flow out too much, which will greatly affect the performance of bank staff. Therefore, in order to retain these stock customers, some banks will also require customers with large withdrawals to make an appointment in advance.

The bank cash withdrawal reservation system has a long history, but some people mistakenly think that banks have no money, which is not objective. People in the industry may know better, there are two main reasons. One is to improve the efficiency of cash use as much as possible, and the other is to ensure the safety of cash management.

As an asset of a commercial bank, how to minimize inventory and maximize economic benefits is a sign to measure the cash management level of a bank. Taking a county-level branch as an example, the scale of various deposits is generally tens of billions, of which cash is at least several hundred million yuan. If you put it all in the vault, it will not only produce a penny of benefits, but also consume a lot of inventory and care costs. Then deposit it in the People's Bank of China, the so-called excess reserve. The interest rate given by the People's Bank of China for the excess deposit reserve deposited by commercial banks is about 0.72%. If you deposit an average of 1 100 million a year, this income can reach 720 thousand, which is also one of the sources of bank profits. Imagine that a large amount of cash stored in your own vault can't generate interest, while depositors' deposits are still paying interest, and banks are definitely not cost-effective. Therefore, in addition to the cash guaranteed by the basic accounting of daily business, the rest of the cash will be deposited in the People's Bank of China.

Second, the security requirements of cash management are very high. When depositors deposit money, banks shoulder the heavy responsibility of ensuring the absolute safety of funds. Faced with possible external risks, banks are always nervous. Huge cash inventory not only needs huge fixed buildings, a large number of security equipment and security personnel, but also needs a lot of costs. As a first-line operation network, in terms of hardware, facilities such as cash boxes and safes are quite limited. If the amount of cash is too large to meet the safety requirements, it will also waste a lot of transportation costs. Therefore, it is impossible for physical outlets to store a large amount of cash, which not only violates the principle of cash benefit management, but also violates the security system. Therefore, referring to the historical daily cash demand law in the past, only a certain amount is maintained. In special periods, such as the acquisition of agricultural and sideline products and large holidays, the cash inventory may be dynamically adjusted to ensure the withdrawal demand of depositors.

You need to make an appointment to withdraw 50 thousand, not every bank. In economically underdeveloped or inactive areas, there may be 50,000 reserves, while in developed or active areas, some banks have 65,438+or more than 200,000. Under normal circumstances, small banks such as city commercial banks, rural commercial banks and credit cooperatives need to make an appointment of more than 50,000. Large banks, such as Industrial and Commercial Bank of China and Agricultural Bank of China, only have more than 200,000 reservations. A bank has at least tens of millions of cash in stock. Which depositor will withdraw tens of millions at a time? Very few. How can you say that the bank has no money?

Many people have encountered such a thing. When they went to the bank to withdraw 50 thousand yuan, the bank counter actually asked if there was an appointment in advance. If you don't, don't withdraw money, or you can only withdraw less than 50 thousand.

Such a big bank doesn't even have 50 thousand yuan in cash?

Many people will be very angry. Why didn't the bank make an appointment when saving 50 thousand yuan? Now that I've refunded my money, you said you wanted to make an appointment! Isn't this the bank's intention to be rude to its customers?

Many people can't understand why banks have such wonderful regulations. Didn't you say that you can deposit and withdraw money freely? My own money, why can't I take it?

Every day, the bank's cash is transported from the vault by armored vehicles and sent to the bank outlets. At night, the armored car will take the money away.

Under normal circumstances, a bank outlet may be three to five hundred thousand yuan to meet the normal operation. Therefore, there are no special circumstances, and the vault is not allowed to transport large amounts of cash to the bank.

You can think about it, an armored car is responsible for cash at about 5 bank outlets. If every bank has to transport millions of dollars, then this trip must carry tens of millions of dollars in cash.

Although it is almost impossible to rob an armored car now. But it does not rule out people with fever in the head. Similarly, too much cash in the bank is also risky.

So now the mechanism of bank cash is to meet the daily operation. If you withdraw a large amount of cash, you must make an appointment one day in advance.

According to the regulations of the central bank, individuals need to report customer information when withdrawing cash to 50,000 yuan and transferring money to 200,000 yuan. The purpose of this measure is to stop illegal and criminal activities such as money laundering.

Now in the information age, you can go to a bank to do business, and you can transfer money no matter how much it costs. So in general, few people need to withdraw large amounts of cash.

Generally, many enterprises and companies can use a lot of cash. For example, some companies will take hundreds of millions of dollars in cash in order to render the atmosphere. Having so much cash there will give people a great visual impact and can play a good role in motivating employees.

If individuals withdraw a large amount of cash, tens of millions, they not only need to make an appointment, but also be asked what to do. It is no exaggeration to say that if an individual takes tens of millions or millions of large amounts of cash, it is either a crime of money laundering or tax evasion.

Many people have a misunderstanding that they can take their money as they want, and no one can interfere.

This idea is wrong.

The money you have in the bank must actually belong to you. But you don't want to take it, you want to save it. You must make sure that you take so much money instead of doing illegal and criminal things.

Similarly, if you deposit tens of millions or millions of cash, you also need to explain the source of the money.

Like the bank where I work, if you withdraw 50 thousand cash, the teller will definitely ask if you have an appointment. I will ask you what you are going to do with so much money.

If the counter has money, the teller will withdraw money for you, but he will still tell you that you need to make an appointment to withdraw more than 50 thousand money in the future.

Generally, as long as there is money at the counter, not to mention 50,000 yuan, even10.2 million yuan will be given to you.

But sometimes, I have taken more than 50 thousand in one morning. In the afternoon, there are only tens of thousands of dollars in cash left on the counter. At this time, if you want to mention 50 thousand, you can't mention it.

If the counter gives you all this cash, you won't be able to handle the subsequent business.

But this time the teller will give you a solution. Can I transfer money? Or go to the ATM to get 20 thousand, and the counter will give you another 30 thousand

Although the rules are dead, people are alive.

A customer came to our bank to get100000 cash after work, but the counter added up to 50000. The teller called the customer and contacted a nearby bank outlet. Just there is enough cash to let customers go directly to another outlet to withdraw money, which solves the problem.

Customers have their own needs and banks have their own rules. It is the central bank's rule to make an appointment for large cash withdrawal. Large deposits also need to be reported to customers.

Get to know each other, and there will be fewer disputes.

At present, when many depositors go to the bank to withdraw large amounts of cash, they are told by the bank to make an appointment to withdraw more than 50 thousand. If there is no appointment the day before, depositors can't withdraw large amounts of cash. This makes many depositors feel strange. Is it because the bank has no money? I have to make an appointment in advance to withdraw this cash?

In fact, it is necessary to make an appointment to withdraw 50 thousand cash. Not every bank does this. In developed or active areas, some banks have 654.38+million or more than 200,000. Under normal circumstances, small banks such as city commercial banks, rural commercial banks and credit cooperatives need to make an appointment of more than 50,000. Large banks, such as Industrial and Commercial Bank of China and Agricultural Bank of China, only have more than 200,000 reservations. And a bank's cash inventory is at least10 million, which depositor will withdraw10 million at a time?

In fact, the problem that banks need to make an appointment to withdraw more than 50,000 yuan mainly comes from the following aspects: First, the core business of banks is to absorb deposits and issue loans. If a large amount of funds are reserved for cash withdrawal, it is not a waste of resources. If the bank puts all the cash in the vault, it will not produce a penny of benefits, and it will also produce a lot of counting and care costs.

And deposit it in the People's Bank of China for income. The People's Bank of China pays 0.72% interest on the excess deposit reserve deposited by commercial banks. If the annual average deposit 1 100 million yuan, the income of this money can reach 720 thousand yuan, which is also one of the sources of bank income. Imagine that banks can't generate interest by storing a large amount of cash in the vault, and depositors have to pay interest for deposits, and banks must lose money. Therefore, on the basis of ensuring sufficient daily cash flow, the remaining cash will be deposited in the People's Bank of China.

Furthermore, ensure the safety of cash management. In history, because the risk prevention mechanism is not perfect, the financial system is not perfect, and people's trust in banks is not enough, there have been many waves of crazy redemption or early withdrawal. Two banking financial institutions in China went bankrupt or closed down, one was Hainan Development Bank and the other was Hebei Credit Cooperative, both of which were related to liquidity demand.

It is worth mentioning that when Hainan Development Bank went bankrupt, it happened to be in the financial turmoil in Southeast Asia in the late 1990s. At that time, Hainan's real estate market was already very hot. However, Hainan Development Bank issued a large number of loans to the real estate sector. As soon as Hainan's housing prices fell, it triggered a nationwide run, because everyone did not believe that banks had the ability to pay rigidly. At present, the 50 thousand or (part of 200 thousand) withdrawal reservation mechanism stipulated by the bank is an emergency that the bank can deal with.

In order to avoid bank runs, in recent years, China has entered the era of strong supervision on the prevention of liquidity risks in the financial system. It is necessary to ensure the safety of customers' funds and stabilize the liquidity of banks. Moreover, from 2065438 to May 2005, China promulgated and implemented the Deposit Insurance Regulations, which included general deposits in the protection scope of deposit insurance to protect residents' savings deposits.

Finally, the physical outlets of banks cannot store a large amount of cash, which not only does not conform to the principle of cash benefit management, but also violates the financial security system. Because the security of the bank vault should be strengthened, the investment of manpower and material resources should be overweight. Therefore, banks generally refer to the daily capital demand law in the past history and only maintain a certain amount of funds as liquidity. If depositors need a lot of cash, they need to make an appointment in advance. So the bank is not without money, but the bank's gold inventory can't be too much money.

The simple truth is that banks are financial institutions that absorb funds and then lend to earn spreads. They should try to reduce idle funds.

Think of it this way: you deposit it in the bank, and the bank pays you interest. How does it pay your interest? A loan, of course. Where does the non-loan interest come from? Therefore, you want to lend the money you have saved every minute to generate interest, and idleness is its cost. You have to understand that if the bank doesn't lend, it will bear the interest paid to you, so try to minimize idleness.

The reserve funds reserved by banks for depositors generally account for 1.0% of the total deposits. Provision includes funds that need to be transferred from bank to bank, including cash, which only accounts for a small part of the provision. Leaving such a small reserve fund is mainly to avoid idleness and make greater use of funds.

Of course, there are also reasons for currency security management. In order to maintain efficient currency turnover, the bank's articles of association stipulate cash management measures, and financial institutions and enterprises are not allowed to keep too much cash in stock. It stipulates the amount of cash reserves at the level of financial institutions and enterprises, which must be turned over to the state treasury if it exceeds the limit.

In addition to the reserve fund, the bank will deposit new cash every day. Banks need to keep more cash in and out of funds every day except for special periods, such as the rapid growth of withdrawals during the Spring Festival. The general trend is balanced, and small cash withdrawals can be handled. However, large withdrawals cannot be processed, and you need to make an appointment one day in advance.

Generally, large enterprises open accounts in the central bank, because large banks deposit more cash. In addition to cash reserves, these banks have a large amount of funds in and out every day, which is enough to meet the withdrawal needs of depositors.

Big banks generally have relatively large cash withdrawal quotas. For example, the general bank stipulates that 50 thousand cash needs to be reserved one day in advance. These banks stipulate that they need to reserve100,200 in cash, and even their VIP customers have a larger amount. Big banks have higher quotas, so that big banks and central banks can have more heavyweight customers to open accounts, which is conducive to attracting funds and opening banking business.

Banks also have times when large depositors or reserve depositors exceed their reserve funds. For example, there have been incidents in which tens of millions of funds were deposited in the Internet and could not be withdrawn. For a small bank, of course, if you deposit so much money and withdraw so much money, you can't get it out at once, because these funds have been lent out by the bank. The way for banks to cope with the shortage of reserve funds is to borrow money from other well-funded banks in the overnight interbank lending market, but the interest rate is very high.

What banks fear most is a run, which is its weakness. Therefore, depositors with a large amount of funds had better look for big banks.

Hello, friends! To withdraw cash from the bank, you need to make an appointment for a large amount. There are many reasons, different banks and places are slightly different! To be clear: the bank has money, so there are many reasons to make an appointment …

1, for customer safety! In this way, customers have more time to think about the necessity of cash withdrawal! After all, all kinds of electronic payments are fast now!

2. The arrangement of bank capital plan! The bank arranges cash according to the normal amount of daily withdrawal! Once large cash withdrawals are centralized, there is no buffer, which will easily affect the overall and daily deposit and withdrawal work and ensure daily liquidity!

3. Requirements of policies and regulations!

Friendly reminder: different banks have slightly different regulations on large cash withdrawals!

1, ICBC, if the cash withdrawal exceeds 50,000 yuan, you'd better make an appointment in advance, and you can withdraw it on the same day, but if it exceeds 200,000 yuan, you must do it one day in advance!

2. Bank of China Agricultural Bank will withdraw 200,000 yuan at one time, and you need to make an appointment one day in advance!

3. CCB must make an appointment one day in advance to withdraw more than 50,000 yuan!

In addition: in some economically developed areas, there are usually more than 65438+ 10,000 reservations! To withdraw more than 50,000 yuan, you must show your ID card!

Appointment methods: telephone appointment, online banking appointment, mobile banking appointment, business hall outlet appointment, etc!

In addition, in some cases, large withdrawals will be regulated:

For example, the amount, frequency and use of cash deposit and withdrawal are obviously inconsistent with the normal cash receipt and payment, or an individual, in a bank settlement account, has accumulated more than 6,543,800 yuan in cash deposit and withdrawal in a short period of time, and paid by collection!

To sum up: there are many considerations for daily large cash withdrawals and appointments, and the development of the network also makes appointments very convenient! Many regions, as well as different banks, have also relaxed the corresponding quotas, but huge cash withdrawals, or short-term accumulated cash receipts and payments exceeding 6,543,800,000 yuan, are obviously inconsistent with normal use, and not only need to make an appointment, but may also be supervised ...

It is indeed because "the bank has no money" that it needs to withdraw large amounts of cash in advance. As a bank employee, I can tell you responsibly that if you withdraw more than 50 thousand yuan, you need to make an appointment in advance and bring your valid ID card to the bank outlet to withdraw money.

The reason for this provision is that banks mainly consider the following points:

When the depositor's funds are safe in the bank, the customer withdraws more than 50,000 yuan, which is a large cash withdrawal. For large cash withdrawal operations, safety supervision measures should be strengthened. According to the relevant regulations of the regulatory authorities, it is required that "if the cash is withdrawn from the savings account for more than 50,000 yuan in a single day, the bank counter staff shall require the payer to provide a valid identity document and pay it after being reviewed by the person in charge of the banking institution."

In practice, it is necessary to provide the cashier's ID card and ask for an appointment in advance. In the case of large cash withdrawals, bank staff will also remind customers of various risks.

Large account monitoring "the bank is short of money" The "bank is short of money" mentioned here is not really short of money. Financial institutions with tens of billions of assets will not lack this 50 thousand. The "bank has no money" mentioned here means that the cash reserves of the bank outlets are limited that day.

Banks will reserve some different denominations of cash at the outlets every day according to the actual operation and the amount of reserved cash withdrawal. Every morning, the cash truck will transport this cash to the bank outlets. Every afternoon, the cash collected by the outlets in one day will be shipped back.

Therefore, if there is no appointment, it is difficult for customers to get cash.

Of course, nothing is absolute. If the customer really needs cash in an emergency and the bank happens to have enough cash, it can also take the cash away without an appointment.

The bank needs to make an appointment to withdraw 50 thousand yuan. Some people may think that the bank can't even take out this 50 thousand yuan? Actually, it's not. Banks can withdraw more than 50 thousand yuan from a person at will, but if the number of people is large, the bank's funds will be very tight and liquidity difficulties may occur.

It is not a big deal for a bank if a person wants to withdraw 50 thousand yuan from the bank, but if there are 100 people, it is 5 million, which may exceed the funds prepared by the bank that day, and then depositors will not get the funds. Therefore, in order to avoid this situation, bank customers must make an appointment when withdrawing money.

What are the advantages of bank customers making an appointment? Customer reservation is beneficial to both banks and customers. Customers should not find it troublesome to make an appointment. In fact, when you go to the bank to withdraw money without an appointment, you may find that there is no money to withdraw. This is the biggest trouble. Since you are in a bank, you should abide by the rules of the bank.

When customers make an appointment, banks can also arrange funds reasonably. If you want to withdraw a large amount of money, then the bank will let the cash truck deliver the money, which is enough for you to withdraw money.

Under normal circumstances, as long as the bank has certain funds, the total amount withdrawn from the bank on the same day is not much different from the total amount deposited in the bank. In good condition, banks can also use extra funds to lend and earn more income. However, when customers withdraw a lot of cash, the bank's liquidity will be problematic, not because the bank has no money, but because the bank is caught in a liquidity problem.

The reason why you need to make an appointment to withdraw more than 50 thousand yuan is not that the bank has no money, but that the bank doesn't have that much cash. There is another reason for safety.

At present, most banks need to make an appointment in advance to withdraw more than 50 thousand yuan. I believe that friends who often go to the bank to withdraw money know that if they withdraw more than 50 thousand yuan, they need to make an appointment in advance. Some banks can make an appointment on the same day, while most banks need to make an appointment at least one day in advance. If the withdrawal amount is relatively large, such as more than 6.5438+million, they even need to make an appointment one week in advance.

At present, different banks have different requirements for cash withdrawal by appointment. The following are the requirements for some large banks to make an appointment to withdraw cash:

1. ICBC, if the one-time cash withdrawal exceeds 50,000 yuan, the bank advises customers to make an appointment in advance and withdraw money on the same day. However, if the one-time cash withdrawal exceeds 200,000 yuan (including 200,000 yuan), you must make an appointment one day in advance to withdraw money.

2. CCB must make an appointment one day in advance for a one-time withdrawal of more than 50,000 yuan, otherwise the customer will not be able to get the deposit smoothly;

3. Agricultural Bank of China and Bank of China stipulate that if the one-time cash withdrawal amount exceeds 200,000 yuan (including 200,000 yuan), make an appointment one day in advance;

4. Bank of Communications, you don't need to make an appointment if the withdrawal amount is below 6,543,800 yuan, and you need to make an appointment one day in advance if the withdrawal amount exceeds 6,543,800 yuan;

There are two main reasons why banks need to make an appointment to withdraw more than 50 thousand yuan. It is estimated that some friends feel uncomfortable when they see that the bank needs to make an appointment for large cash withdrawals. After all, the savings policy of voluntary withdrawal of deposits in China is that as long as the user has money in the bank account, when and how much I want to withdraw it is the user's own freedom.

However, in actual operation, for security reasons, banks generally require users to make an appointment in advance to withdraw large amounts of cash. There are two main reasons.

1 The reason is that banks don't have so much cash reserves.

Although banks deal with money, at present, there is not much cash at each bank outlet. Some small outlets may only reserve hundreds of thousands of cash, and larger outlets may also reserve millions of cash. For example, under normal circumstances, the cash in a trunk is about 1 10,000 at most. If the customer does not make an appointment in advance, but goes directly to the counter to withdraw cash, most of the money in the trunk will be taken away at once, and the remaining customers will have no cash to collect.

The reason why bank outlets have so little cash reserves is for security reasons. After all, the safety measures and grades of branch outlets are not in place. If the bank deposits a lot of cash, it will cause great losses in case something happens one day. This is a lesson from the past. On the other hand, at present, many bank users basically use mobile phones to pay or transfer money through online banking, and it is mainly retirees who really receive cash from banks, unless there are a large number of people who need cash at the end of the year, just because most people do not have much demand for cash at present, so banks will not reserve too much cash.

It is precisely because the bank's reserve fund is small, so whenever the user withdraws a large amount, the bank needs to dispatch cash. Dispatching cash is not something that will happen for a while. You must apply to the branch in advance, and the branch should coordinate the escort vehicles and arrange the corresponding routes. In addition, if there are many outlets applying for transfer, the branch needs to apply to the local bank, so it usually takes another day to transfer cash.

The second reason is to guard against liquidity risk.

On September 28th, 2009, China Banking Regulatory Commission issued and implemented the Guidelines on Liquidity Risk Management of Commercial Banks, which made special provisions and requirements on the "cash flow management" of commercial banks in the second section of Chapter III. Take cash flow management as an important tool to prevent liquidity risk.

The liquidity risk mentioned here refers to the risk that although commercial banks have solvency, they cannot obtain enough funds in time or at a reasonable cost to cope with asset growth or pay due debts.

If the bank does not make a large withdrawal reservation, in case a large number of users withdraw cash, and then the bank runs out of money, it will cause panic among users, which is likely to cause a rush of everyone, which is very risky for the bank. Therefore, in order to cope with this liquidity risk, banks generally require large-scale restrictions on advance appointments, which can ensure that banks have sufficient cash reserves and prevent users from running away.