A new wave of bank regulations affecting Jinan bags will be implemented tomorrow.
the Ji'nan times
is going to be in the last month in 2016, and a number of new regulations are coming into force. From December onwards, these new rules should be implemented to see what is related to our lives.
the same bank can only have one I account
individual bank account classification management system will be formally implemented in December 1st. In the new regulations, individuals open debit card accounts in the same bank and only one I type of account. If there are I households, the open account can only be class II and III accounts.
I account is the most fully functional account, and most bank accounts, such as debit cards and passbooks, open by the bank at the business outlets, such as debit cards and passbooks, are all type I households.
II accounts can be used to spend a lot of daily expenses, or to buy financial, turnaround investment money, can be opened through electronic channels, and can have real bank cards. The total daily limit of this kind of account is 10 thousand yuan and the total annual quota is 200 thousand yuan. III accounts only have an electronic account, and the account balance can not exceed 1000 yuan. It can only be used for small payments and daily payments. The total daily limit is 5000 yuan, and the total annual limit is 100 thousand yuan.
before, a person can handle 4 debit cards at the same bank. How to deal with a bank card? Not to worry, they will not be forced to cancel, but the bank staff will slowly guide the user to revoke or merge.
in addition, the bank will cancel the service at the Bank of the bank in different places, such as cash, transfer and other business. It will be cancelled around January 1, 2017 and may be realized in advance in December. However, at present, cancellation of fees is only for peers, and cross border access and other businesses still charge a certain fee.
no transaction for half a year, the account suspension of non counter business
in the new regulations issued by the central bank, there is a provision that banks and Payment institutions should strengthen the monitoring of account trading activities. The banks should suspend their non counter business and Payment institutions for 6 months from the date of the opening of the account. All businesses should be suspended. Banks and Payment institutions can resume their business after rechecking their identity to units and individuals. The industry believes that this provision is mainly to prevent lawless elements from using multiple accounts for telecommunications fraud.
the central bank also requires a bank to strictly contact the telephone number and the ID number. The bank and the payment institution should establish a one-to-one correspondence between the contact telephone number and the personal identity card number, and conduct the investigation and clearance of the same contact telephone number with the opening and use of the account, and contact the relevant parties for confirmation. For failing to prove the reasonableness, the non bank business shall be suspended and the account shall be suspended for all business.
personal ATM transfer, 24 hours of internal revocation of
December 1st, in addition to my peer account transfer, the individual through the self-help teller machine (including other functions of self-help equipment, the same below) transfer, the issuing bank after 24 hours to handle the transfer of funds. Within 24 hours after the acceptance of the issuing bank, an individual may apply to the issuing bank for cancellation of the transfer. Banks and Payment institutions and customers need to agree on payment limits and numbers in advance. The bank account transfer shall be handled at the bank counter, and the payment account shall not be processed if the quota exceeds the quota.
besides, in addition to the transfer of account accounts to the bank account, the bank will handle non counter transfers for individuals with a cumulative amount of more than 50 thousand yuan per day, which should be verified by safe and reliable payment instructions such as digital certificates or electronic signatures. Units and individual bank accounts are over 1 million yuan and 300 thousand yuan respectively on non counter transfer days. Banks should make large transactions to remind units and individuals to confirm the transfer in the rear.
the Internet broadcast needs real name certification, individual business and business households "two certificate integration"
December 1st, the National Network letter office issued the "Internet live service management regulations" in the country. It is stated that the internet live service providers should be connected to the principle of "real name and front desk". The net live users are authenticating the real identity information based on the mobile phone number and other ways, and the Internet seeding publishers are certified and registered on the basis of identity documents, business licenses, and organization code certificates.
in addition, the Internet broadcast service providers should establish a credit rating management system for Internet seeding publishers to provide management and services linked to the credit rating. At the same time, a blacklist management system should be established to prohibit the users of the blacklisted Internet direct seeding services to re register their accounts. The provision also requires the Internet direct seeding service providers to establish a direct seeding content audit platform, carry out classified management according to the content category, user scale and so on, add or broadcast platform identification information to the live content such as graphics, video and audio, and carry out the first trial and post management of the Internet news and information broadcast and its interactive content.
from December 1st, the whole country will also formally implement the integration of the business license and the tax registration certificate of the individual industrial and commercial households, and apply for the business license and the tax registration certificate in turn when the original individual business and commercial household register, and change them into one application and a business license to be issued by the administrative department for Industry and commerce. The business license has the functions of the original business license and tax registration certificate, and the tax department no longer issues tax registration certificate.