The central bank shot! 4 days after your bank account will undergo major changes ratatouille

Central bank shot! 4 days later, your bank account is going to change dramatically. Everyone has multiple bank accounts, and the risk levels are the same regardless of the amount of money they have. But from next month, everything will be different! Regulations of the people’s Bank of Japan: since December 1st, open a personal account in the bank, each in the same bank, can only open a class, if you already have a class I households, account is only class II and III account. What’s the matter? It’s about the pocketbook. Look at it! What are class I, class II, class III accounts? Simply, I account is fully functional account, common debit card, passbook accounts belong to the class; class II and III account is a virtual electronic account, two kinds of function is decreasing step by step in the creation of the class I account on the basis of capital account risk is gradually decreasing. The main differences are as follows: type I account is "wife’s account", with full function, how to turn how to turn! Class II accounts are "husband’s account", which can only be transferred to "wife’s account". Although it can not be transferred to other places, it is still possible to manage the money and empty the shopping cart for the wife! Class III account is the "account of the child", only for small consumption, the balance is not more than 1 thousand yuan. Why account classification? In China, the phenomenon of "one person with ninety percent off Households" is very common, and some banks take the number of issuing cards as the evaluation index of business performance. At the same time, individuals pay and pay medical insurance, social insurance, pension, provident fund and other public utilities costs, often open multiple bank accounts, resulting in individuals have a large number of unused accounts. As of the end of 2016 6, China’s personal bank settlement accounts 7 billion 786 million, 5.69 per capita. The number of personal accounts, personal accounts and assets of both caused by mismanagement, do not pay enough attention to the account, for trading accounts, false accounts and fictitious agency account of potential problems, bank management also caused the waste of resources, long-term real accounts became the bank internal risk point. How to use class I, II, III accounts? Class I accounts as "Treasury" class I accounts fully functional, unlimited inflow and outflow of funds. It can be used as the main account of salary account or personal wealth, mainly for large consumption, large amount of capital transfer, savings deposits and investment financing. Class I accounts are not necessary to carry around, but also reduce the risk of loss of cards. The class II accounts as the "wallet" type II accounts, investment and financial functions, can be flexibly transferred to the funds from class I accounts, no accumulated into the limit, not only to meet the daily use, but also avoid large amount of capital loss. Class III accounts as "zero wallet" class III account is mainly used for small high-frequency transactions, account balances should not exceed 1000 yuan, suitable for binding payment accounts, and daily small high-frequency transactions (such as two-dimensional code payment, mobile phone NFC payment, etc.). It can be used with the charge, convenient and safe. How do I open accounts of class I, II and III? Class I accounts need to be opened by the bank staff. There is no uniform provision for the class II and III accounts. Banks have said that the specific back office system is still being upgraded and can be established after December 1st, and some banks have said that the training of the head office is being carried out, and that the follow-up will be published.

央行出手!4天后你的银行账户将发生重大变化每个人都有多个银行账户,本来不论金额大小,它们的风险级别都是一样的。但从下个月开始,一切都不一样了!人民银行日前规定:自12月1日起,个人在银行开立账户,每人在同一家银行,只能开立一个Ⅰ类户,如果已经有Ⅰ类户的,再开户时只能是Ⅱ、Ⅲ类账户。具体怎么回事?事关钱袋子,赶快看看!什么是I类、Ⅱ类、Ⅲ类账户?简单的说,Ⅰ类账户是全功能账户,常见的借记卡、存折均属于Ⅰ类账户;Ⅱ、Ⅲ类账户则是虚拟的电子账户,是在已有Ⅰ类账户基础上增设的两类功能逐级递减,资金风险也逐级递减的账户。主要区别如下表:Ⅰ类账户是“老婆的账户”,具有全功能,想怎么转就怎么转!Ⅱ类账户是“老公的账户”,只能转给“老婆的账户”,虽然不能对外转账,但是理财和替老婆清空购物车还是可以的!Ⅲ类账户是“孩子的账户”,只能用于小小小额的消费,余额不超过1千元。为什么要进行账户分类?我国一人数折、一折一户现象十分普遍,有些银行也以发卡数量作为经营业绩的考核指标。同时,个人缴纳和支付医疗保险、社会保险、养老金、公积金等公用事业费用,往往开立多个银行账户,导致个人有大量闲置不用的账户。截至2016年6月末,我国个人银行结算账户77.86亿户,人均5.69户。个人开户数量过多,既造成个人对账户及其资产的管理不善、对账户重视不够,也为买卖账户、冒名开户和虚构代理关系开户埋下了隐患,还造成银行管理资源浪费,长期不动的账户更成为了银行内部风险点。如何使用Ⅰ、Ⅱ、Ⅲ类账户?将Ⅰ类账户作为“金库”Ⅰ类账户功能齐全,资金流入流出无限额。可以作为工资账户或个人财富主账户,主要用于大额消费、大额资金流转、储蓄存款及投资理财。Ⅰ类账户不必随身携带,也减小了卡片遗失带来的风险。将Ⅱ类账户作为“钱包”Ⅱ类账户投资理财功能齐全,可以灵活地由Ⅰ类账户向其转入资金,无累计转入限额,既满足日常使用,又避免大额资金损失。将Ⅲ类账户作为“零钱包”Ⅲ类账户主要用于小额高频交易,账户余额不得超过1000元人民币,适合用于绑定支付账户,及日常小额高频交易(如二维码支付、手机NFC支付等)。可以随用随充,便捷安全。如何开立Ⅰ、Ⅱ、Ⅲ类账户?Ⅰ类账户需由银行工作人员面核后方可开立。Ⅱ、Ⅲ类账户目前还未统一规定,有银行表示,具体的后台系统还在升级,12月1日之后可以设立,也有银行表示,目前正在进行总行方面的培训,后续会公布具体方案。银行业内人士表示:“其实并不是每个人都要开三类账户。主要是给大家提供更多选择,通过限定功能和额度降低风险。”五大影响影响一:在银行开有多张借记卡、存折的,新政施行后怎么办?银行会对存款人账户进行摸排清理,并要求作出说明,核实其开户的合理性。对于无法核实的,银行会引导存款人撤销或归并账户,保留一个Ⅰ类户,如果非必要的话,其他账户可降低账户类别,设为Ⅱ类户或Ⅲ类户。影响二:之前用同家银行的两张借记卡绑定微信、支付宝等支付平台,新政施行后会有什么影响?支付机构会联系存款人确认需保留的账户,其余账户降低类别管理或予以撤并。如果存款人未能在规定时间确认,支付机构应当保留其使用频率较高和金额较大的账户,后续可根据存款人的申请进行变更。影响三:每个存款人在单家银行,且在全国范围只能拥有一个I类账户,那同行异地存取款、转账等手续费有什么影响?此次施行一人一户,央行也顺势取消了同行异地存取款、转账的手续费,且规定在年底之前,所有银行必须执行到位。这对于经常出差的人无疑是一个好消息,只用一张借记卡就能够“跑遍全国”。但目前只针对同行,跨行依旧要收取一定费用。影响四:都说I类账户绑定支付平台不安全,新政施行后如何调整不同类型账户绑定平台?据某银行工作人员介绍,如果是使用Ⅰ类账户绑定了支付宝、微信,用于日常消费,为了保障账户资金安全,可以将Ⅰ类账户下调为Ⅱ类或Ⅲ类账户,只需存款人经过基本的身份确认就可以。但Ⅱ类或Ⅲ类账户要升级成为Ⅰ类账户,对客户身份核实的要求更高一些,会要求客户去网点现场核验身份。影响五:一人一户后,对现有银行卡有什么影响?此次施行一人一户,主要针对新增账户实施,现有账户仍可正常使用。但对于半年内无交易记录的账户,银行会对其暂停非柜面业务。妥善处理闲置银行卡最后,此轮账户清理,必定会产生大量闲置银行卡,千万不要随便处理!银行卡的磁条上存储我们的个人私密信息,若处理不当,会造成隐私泄露。多数银行卡在开卡后会产生年费,若长期不用,会累积超额年费,虽然储蓄卡欠费并不影响个人信用,但由于“僵尸卡”而欠下银行一笔费用,是否得不偿失?最好自己主动到银行网点进行注销,如涉及信用卡,也可自行拨打信用卡中心的电话进行注销。相关的主题文章: