Q:
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What is the background of the introduction of large cash management?
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A:
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In fact, on November 5, 2019, the People's Bank of China has publicly solicited opinions from the public on the pilot large-value cash management work. As for the so-called large cash, my country has learned from international experience to complement the shortcomings of related supervision and management measures to improve the level and efficiency of cash services. Its purpose is to protect reasonable cash demand, curb unreasonable demand, and curb the use of large amounts of cash to commit crimes.
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Q:
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What is the object and scope of large cash management?
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A:
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The object of large-value cash management is the deposit and withdrawal business that occurs over the counter of commercial banks, is above the starting amount, and has cash in kind. The pilot project will last for 2 years and will be implemented in phases by region. Among them: the starting point for the management amount of public accounts is 500,000 yuan, and the starting point for the management amount of private accounts is 100,000 yuan in Hebei Province, 300,000 yuan in Zhejiang Province, and 200,000 yuan in Shenzhen.
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Q:
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Will large cash management affect the freedom of public access?
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A:
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Does not affect. On the premise of being legal and reasonable, public deposits and withdrawals are fully protected. At the same time, as long as the public legally fulfills their registration obligations in accordance with regulations, large amounts of cash are not restricted.
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Q:
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Why do I need to make an appointment for large cash management?
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A:
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In fact, commercial banks have been making large withdrawals for many years. The move is based on a decline in public demand for cash and a trend towards structural diversification.
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Q:
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Will large cash management affect the daily lives of the public?
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A:
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The impact is limited. Experts said that the current large cash management is limited to the pilot areas. At present, online transfer, mobile payment and other widely used to meet the majority of the public's daily payment needs, while the large cash access management starting point has taken into account the vast majority of the public's cash use, so the impact is limited.
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