What does bank impulse mean?

Bank offset: When the bank's deposit business is not completed at the end of the month, quarter or year, a new term is proposed to temporarily change the offset account in order to complete the deposit business.

"Bank impulse deposit and deposit withdrawal" is an act explicitly prohibited by the regulatory authorities. This is a gray area of financial supervision. Since 2008, officials have gathered here, which is a hotbed of rent-seeking and money laundering.

Bank impulse deposit refers to the temporary withdrawal of deposits from depositors by bank credit personnel at the end of the month or at the end of the year in response to the inspection of deposit requirements by regulatory authorities.

It is understood that in order to attract depositors to make impulse deposits, banks will give depositors a certain percentage of rebates. For deposits in Hangzhou and surrounding areas 1 day, the maximum rebate can reach 5‰, which is 365 times of the annual interest rate of 0.5% for demand deposits.

Extended data

When you don't play new shares or have spare money, you can do one-day impulse deposit business at the end of the month. Agricultural Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Minsheng Bank and Huaxia Bank only need to deposit one day in their own names on the last day of each month.

You can transfer at any time after the date of 1. In fact, the money is deposited in another bank, and it will be given to the impulsive money on the same day, which will bring certain benefits to the depositors.

At the end of the year, the deposit will be collected. "Just open an account in a designated bank and transfer the money to the account on the day of 65438+February 3 1 every year, and the transfer can be made the next day."

References:

Baidu encyclopedia-bank impulse

References:

Baidu encyclopedia-lanchu