Introduction
Recently, textile workers are estimated to have been troubled by some “moths” such as rising raw material prices, difficulty in collecting debts at the end of the year, the implementation of the third phase of the golden tax, and so on. However, without any precaution or worry, the central bank has recently taken another heavy blow!
Important document No. 261!
The central bank takes action! Textile people, this time it’s about your “money bag”!
Everyone has multiple bank accounts. Regardless of the amount, their risk levels are the same. But starting next month, everything will be different!
The People’s Bank of China recently stipulated that starting from December 1st, when individuals open accounts in banks, each person can only open one Category I account at the same bank. If there is already a Category I account, the account can only be opened as Category II account again. , Class III account.
What are Type I, Type II, and Type III accounts?
To put it simply, Type I accounts are full-function accounts, and common debit cards and passbooks belong to Type I accounts; Type II and III accounts are virtual electronic accounts, two types added to the existing Type I accounts. An account whose functions are gradually reduced and the financial risk is also gradually reduced. The main differences are as follows:
Type I account is the “wife’s account” with full functions, you can transfer it as you want!
Type II account is the “husband’s account” and can only be transferred to the “wife’s account”. Although external transfers are not allowed, financial management and clearing the shopping cart for the wife are still possible!
Class III accounts are “children’s accounts” and can only be used for small and small purchases, with a balance of no more than 1,000 yuan.
How to use Type I, II and III accounts?
➤ Use Type I account as a “treasury”
Class I accounts are fully functional and have no limit on capital inflows and outflows. It can be used as a salary account or a personal wealth master account, mainly used for large-amount consumption, large-amount fund transfer, savings deposits and investment and financial management. Type I accounts do not need to be carried around, which also reduces the risk of losing the card.
➤ Use Type II account as a “wallet”
Type II accounts have complete investment and financial management functions, and funds can be flexibly transferred from Type I accounts to them. There is no cumulative transfer limit, which not only meets daily use, but also avoids large capital losses.
➤ Use Type III account as a “coin wallet”
Type III accounts are mainly used for small-amount high-frequency transactions, and the account balance must not exceed 1,000 yuan. They are suitable for binding payment accounts and daily small-amount high-frequency transactions (such as QR code payment, mobile NFC payment, etc.). It can be used and charged at any time, which is convenient and safe.
How to open Type I, II and III accounts?
Type I accounts can only be opened after being interviewed by bank staff.
Category II and III accounts have not yet been uniformly regulated. Some banks said that the specific back-end system is still being upgraded and can be set up after December 1. Some banks said that training at the head office is currently underway and specific plans will be announced later.
People in the banking industry said: “In fact, not everyone needs to open three types of accounts. The main purpose is to provide everyone with more choices and reduce risks by limiting functions and limits.”
Six major influences
Impact 1: If you have multiple debit cards and passbooks at the bank, what should you do after the new policy is implemented?
The bank will review the depositor’s account and require an explanation to verify the rationality of the account opening. For those that cannot be verified, the bank will guide the depositor to cancel or merge the accounts and retain a Category I account. If it is not necessary, the other accounts can be reduced to Category II accounts or Category III accounts.
Impact 2: Previously, two debit cards from the same bank were used to bind payment platforms such as WeChat and Alipay. What impact will there be after the implementation of the new policy?
The payment institution will contact the depositor to confirm the accounts that need to be retained, and the remaining accounts will be reduced to category management or withdrawn. If the depositor fails to confirm within the specified time, the payment institution should retain its account with higher frequency of use and larger amount, and subsequent changes can be made based on the depositor’s application.
Impact 3: Each depositor can only have one Type I account in a single bank nationwide. What impact will there be on the fees for deposits, withdrawals, transfers, etc. from other places?
With this implementation of the one-person-one-account policy, the central bank has also taken advantage of this trend to cancel handling fees for non-local deposits, withdrawals, and transfers, and stipulates that all banks must implement this before the end of the year. This is undoubtedly good news for people who frequently travel for business, as they can “travel across the country” with just one debit card. ��At present, it is only for peers, and a certain fee will still be charged when crossing banks.
Impact 4: It is said that the payment platform bound to Type I accounts is unsafe. How to adjust the different types of account binding platforms after the implementation of the new policy?
According to a bank staff member, if a Type I account is bound to Alipay and WeChat for daily consumption, in order to ensure the security of the account funds, the Type I account can be downgraded to a Type II or Type III account. The depositor only needs to go through Basic identity verification is enough. However, if a Type II or Type III account is upgraded to a Type I account, the requirements for customer identity verification are higher, and customers will be required to go to the branch to verify their identity on-site.
Impact 5: After one person has one account, what impact will it have on existing bank cards?
This implementation of one person, one account is mainly implemented for new accounts, and existing accounts can still be used normally. However, for accounts that have no transaction records within six months, the bank will suspend non-counter business.
