How Should Individuals Manage Funds In Three Types Of Bank Accounts?

Since the beginning of this month, the central bank has formally implemented the classified management of individual bank accounts.

The new regulation will divide personal accounts into category I, II and III accounts, and reduce risks by implementing classification and dynamic management by limiting functions, quota and payment channels.

Then, what are the stricter rules for account management after the implementation of the new regulations? How should individuals manage the funds in three types of bank accounts? How to ensure the safety of accounts?

It doesn't matter where money is put. As far as possible, every penny can be generated, and the most important thing is to use it conveniently and conveniently.

According to the new regulation, each bank is allowed to have only one class account for each user. Users who have opened class I households should open a category II or third class household if they want to re open their accounts.

In these three categories of accounts, popularly speaking, class I households are "cash boxes", which can handle all banking businesses, with unlimited scope and amount, high security requirements, and suitable for large payment. The newly added category II and III accounts are characterized by "restricted".

And payment can be handled through this account; and class III households are "zero purses", which are mainly used for pactions with small sums and high frequency.

At present, there are no restrictions on account balances in class II accounts and class I accounts, while consumption and payment, pfer of funds to non binding accounts and total accumulated limit of gold days are 10 thousand yuan, with an annual cumulative limit of 200 thousand yuan. Class III accounts stipulate that the balance of accounts should not exceed 1000 yuan. The total amount of consumption and payment payments and the total accumulated amount of funds pferred to non binding accounts is 5000 yuan, with an annual cumulative limit of 100 thousand yuan.

Although I class households can only open one bank, we can open accounts of II and III based on the actual needs of payroll, financial management, consumption and so on. This can not only meet consumer demand, but also facilitate the safe and convenient use of funds.

For example, you can set the salary card as class I account, which is more convenient and large.

The payment of "II" and "III" accounts can be classified according to the amount of consumption.

After setting up, you don't need to bring your salary card with you, and take a bank card corresponding to a third class account to go out. Even if you lose it, you don't have to worry about it.

Now there are a handful of people who have four or five bank cards and are tied up with Alipay and WeChat. In our daily life, our consumption, investment and financial management are more and more inseparable from the payment of various electronic banks.

With the implementation of new rules for bank accounts, how should individuals balance the relationship between consumption and various financial accounts? How can we ensure the maximum efficiency of funds?

In this regard, some people suggested that the three categories of accounts and functions of different users can be arranged according to their spending habits and investment needs.

For example, if you are a "pick up and buy" chopper party, you'd better associate your Alipay with class II or class III. when the amount of external use reaches the corresponding quota, it will automatically stop external payment.

From the investment point of view, personal investment accounts are mainly divided into "treasure" products such as balance treasure, fund accounts, stock accounts and so on. Each account is basically tied to bank card.

At present, I and II accounts have financial functions. I is suitable for large sums of money, and II is suitable for small and medium sized funds. Consumers can classify financial accounts according to their funds.

If you have more spare cash, you can buy some currency funds through bank account or put it in the balance treasure, thus generating some interest income.

In addition, investors with higher risk to income ratio can achieve investment returns through related funds, stocks and other accounts.

For example, it can be associated with the third party fund sales organizations, such as ants, daily fund and other low sales rates, and can also invest funds through the way of bank fixed investment.

However, the general principle is to pay large sums of money for I and small and medium payments with II, and pay attention to safety and convenience.

In addition to classifying their bank accounts, there are several major accounts security issues that deserve our attention.

First, although the balance treasure can generate interest more than ten times higher than the bank's current interest rate, many people regard it as a pfer station for the account, which has both economic benefits and convenience.

However, we must note that the balance of treasure is through Alipay bank card and monetary fund pfer, once the personal Alipay link loopholes, customer funds will be a risk.

Two is for the hands of idle "sleep card", to timely cancellation of bank outlets, so as not to be more buckles or even affect personal credit.

For example, for the daily average balance of less than 500 yuan, the Agricultural Bank of China will charge a management fee of 3 yuan / quarter, while China Merchants Bank (600036) will receive a daily average balance of less than 10000.

36 yuan / year.

The new regulation stipulates that the bank will suspend the non counter business within 6 months after the account is opened, and the payment institution will suspend all its business.

It is worth noting that according to the new regulation, the accounts opened by ICBC in Guangzhou will be withdrawed from the industrial and Commercial Bank of Beijing, and the cost of withdrawals will not be paid elsewhere. This also saves a lot of money for business travelers. According to the previous regulations, some banks' withdrawal fees are 1% and 100 yuan respectively.

At the same time, the pfer fee of the same person will be waived. However, most banks have cancelled the fee in the actual operation of the bank.

The three is account security.

The new regulation requires banks and Payment institutions to set up an account to reserve the one-to-one correspondence between telephone numbers and personal identification numbers.

For those who can not prove rationality, they should be related.

Suspension of non counter business and payment of accounts to suspend business.

Remember, if the phone changes, and has not updated the data in the bank, remember to update the bank in the near future to prevent the account from being locked.

Four is to prevent and combat telecommunications network fraud, this month ATM pfer, in addition to my mutual account pfer can real-time account, I cross the line and pfer to others, 24 hours before arrival, if there is doubt about pfer, can be revoked within 24 hours.

This means that ATM pfers can have "regret drugs".

Five, if there are elderly people in the family, and the old people have a lot of savings, they may wish to remind the elderly to use III accounts, and large amounts of money suggest that they have I accounts. It is important to know that the elderly are the most serious areas of telephone fraud. In recent years, the elderly have been cheated by a phone to save their lives. It is necessary to remind them of their two points: first, the large assets are best in the category I, and the money is not exposed; second, once realized that they are cheated, according to the new rules, they can go back in 24 hours.

This is also a great benefit to the implementation of the new regulation.

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