Recently, many people have been whining online, saying that they want to buy a bank's financial products, but was rejected by the bank, the reason is that they are not local people. This makes people very strange, the bank in so short of customers, treating the initiative to find customers should not be hands up, how to turn away the door?
Many people think that this is one of the thresholds set by the bank, the purpose is to allow depositors to prove their own wealth, which is also very understandable, if they are a Beijing household and have a suite of words in Beijing, what that means is not necessary to say. But that's not the case, and the banks aren't setting the bar.
Banks in the see these depositors because of regional restrictions and can not buy the family's financial products, they are also very difficult, but even so, they still have to bear the pain of depositors out of the door, the root cause, or because the central bank out of the new regulations. Just last year, the central bank again revised the Commercial Bank Law, the new bill provides that those with regional nature of the bank can no longer be as before, can be cross-regional business, now the regional commercial banks can only be in their own bank within the scope of the domicile to carry out business.
Of course, this provision is not absolute, if you encounter special circumstances, you can apply to the central bank. So after this provision out, those foreigners in the local bank for business has become a little difficult to deposit money can continue to deposit, but some of the bank's products can not continue to "outsiders" to sell. The first thing you need to know is how to determine whether a person is working in the local area, or is a local.
This is very simple, the development of the financial industry can not be separated from the support of big data, and the bank staff to use big data to investigate the residence of a person's information is also very easy, if a person comes to a city to work, there are certainly a lot of traces can be found. However, banks generally do not do this to depositors, after all, this kind of thing to operate badly if it is illegal.
The easiest way for the bank is to ask at the scene, we will often encounter bank clerks in the bank for business to ask for personal address, generally speaking, no one will hide their original address, the bank will just ask the home province or city, and will not be specific to which neighborhood. So the central bank issued this new policy Shengge whether we have an impact? The impact will indeed have some, the main one is that we can not put the money in these local banks, because it can not be convenient to handle the business, when we are in a different place to withdraw or deposit money will also be subjected to some ups and downs, this is the biggest problem.
For our general depositors, if we often deposit money in the bank, it is better to choose those national banks, no matter where we end up working, we can always handle the banking business we need. Overall, this time the central bank issued new regulations most hurt is these local banks, originally their number of customers is small, and now because they can not handle the business of the other side of the loss of a number of people, but they have to accept, and this is for the depositors is really a disguise to help them to protect their own wallets, but also more secure, so we do not have to be rejected .
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