Provisions of China Industrial and Commercial Bank on Private Transfer Limit

Cash receipt and payment business with a single or cumulative transaction amount of more than RMB 50,000, such as cash deposit and withdrawal, cash settlement and sale of foreign exchange, cash remittance and cash bill payment, and the foreign currency equivalent of that day is more than USD 65,438+00,000.

Transfer of funds with a single or accumulated transaction amount of more than RMB 2 million and equivalent foreign currency of more than USD 200,000 on the day when the bank account of a non-natural person customer and other bank accounts occur.

ICBC's daily transfer limit standard is as follows:

1. Transfer restrictions at the exit counter. When an individual transfers money at the counter of ICBC outlets, the maximum daily limit is100000 yuan.

2.ATM transfer limit. When an individual transfers money at an ATM, the maximum daily limit is 50,000 yuan.

3. The electronic bank password card limit has not been opened. If the user does not actively open the password card transfer service of ICBC e-banking, the maximum daily limit is 1000 yuan.

4. Open the limit of electronic bank password card. If the user has opened the electronic bank password card transfer service, the maximum daily limit is 5000 yuan.

5. Open the limit of online banking U shield. If the user has opened the online banking U shield transfer service, the maximum daily limit is 6,543.8+0,000 yuan. Self-registered customers of e-banking can make consumption payment on the special website designated by Industrial and Commercial Bank of China. If self-registered customers need to handle external transfer payment business, they should open SMS verification payment or apply for U shield, electronic cipher and other identity authentication media.

When a customer signs an online banking contract, if the ICBC account is authorized to handle online banking transfer payment for other customers, only the second-generation U shield can be used for signing verification. The maximum amount of single payment shall not exceed 5,000 yuan, the maximum amount of daily cumulative payment shall not exceed 5,000 yuan, the maximum amount of monthly cumulative payment shall not exceed 50,000 yuan, the maximum number of daily cumulative transactions 100, and the maximum number of monthly cumulative transactions 100 (this limit

The daily total payment limit of second-generation U-Shield (including ordinary U-Shield) customers through e-banking channels is 2 billion yuan; The total daily payment limit of electronic cryptographer customers through electronic banking channels is 6,543,800 yuan. Icbc counter transfer is not limited. The limitations of other transmission methods are as follows:

1. ICBC ATM accepts Peony Link Card, and the cumulative number of transfers per day in the same city and different places is no more than 5, and the maximum amount of transfers per day is RMB 50,000;

2. The single payment amount of the electronic bank password card customer who has opened SMS authentication is 2,000 yuan, and the cumulative daily payment amount is 5,000 yuan;

3. The single payment amount of electronic bank password card customers who have not opened SMS authentication is 500 yuan, and the daily cumulative payment amount is 1 1,000 yuan;

4. The initial single payment limit of online banking U shield is 6.5438+0 million yuan, and the daily cumulative limit is 6.5438+0 million yuan.

Legal basis:

Law of People's Republic of China (PRC) Municipality on Commercial Banks (amended on 20 15).

Article 39 A commercial bank shall abide by the following provisions on the management of asset-liability ratio when granting loans:

(1) The capital adequacy ratio shall not be less than 8%.

(2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%.

(3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%.

(4) Other provisions of the State Council Banking Regulatory Authority on the management of asset-liability ratio.

If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.