First of all, there is no basis in the relevant regulatory requirements of the China Banking Regulatory Commission and the People's Bank of China. In other words, it is only the internal system of commercial banks. Secondly, the essence of the system is to reduce the pressure on the counter and improve the working efficiency of depositors and the efficiency of ATM use, rather than shutting out petty cash depositors. If you speak frankly? Do not accept counts below 20,000? And fully implement it, which will violate the original intention of system design and is unreasonable.
Imagine that if the number of customers on the counter does not exceed 20,000, but the number of customers below 20,000 is very large, can the counter be ignored? If an elderly friend doesn't know how to use ATM and the bank doesn't have an assistant, how can an elderly friend withdraw money? Is it possible to make some flexible and humanized adjustments? So the so-called quality service is just a slogan to improve customer efficiency.
Pushing customers to ATM blindly is only to improve the utilization rate of ATM, which is the embodiment of the subtle self-interest of banks. Let's have a look? Book 3 days in advance, and the price exceeds 50,000 yuan? . In the cash management system of the People's Bank of China, there is indeed a provision for withdrawal appointment, but there is no provision for the amount and time of appointment. Therefore, the reservation restrictions of each bank are different. There are more than 50,000,10,000,200,000.
Yes, these are all understandable. After all, different banks have different scales, and there is also a certain gap in the cash balance of branches. This is the actual situation. However, it is unbelievable to exaggerate the advance appointment time to three days. Usually, the appointment time of most banks is one day in advance, but the appointment time in the afternoon may be before 15:00 or before 16:00, because the appointment needs to be reported to the superior bank to prepare cash.
Location. Handling, as a depositor, is also understandable support. However, you said it three days in advance. How do you explain it? Is the customer's reserved amount too large, or is the cash in the bank fund pool seriously insufficient? In addition, who can accurately predict whether cash will be needed in three days? This is not aimed at depositors, but at depositors, which seriously lacks bank integrity. In fact, considering these unrealistic rules, I don't know how they came into being.
In the long run, whether we can keep our old customers will be a problem. It is worth pondering.