“存10万需说明钱来源”上热搜，多家银行回应
<section style="margin-bottom: 0px;letter-spacing: 0.578px;text-wrap: wrap;" data-mpa-powered-by="yiban.io"><section style="text-align: center;"><span style="font-size: 18px; background-color: rgb(255, 255, 255); font-family: Heiti SC Light; letter-spacing: normal; text-align: center;">1月8日</span></section></section><p style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-align: center;visibility: visible;line-height: 1.75em;"><span style="font-size: 18px;color: rgb(0, 122, 170);"><strong style="outline: 0px;visibility: visible;">“女子到银行存10万现金</strong></span></p><p style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-align: center;visibility: visible;line-height: 1.75em;"><span style="font-size: 18px;color: rgb(0, 122, 170);"><strong style="outline: 0px;visibility: visible;">被问钱来源”</strong></span></p><p style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-align: center;visibility: visible;line-height: 1.75em;"><span style="font-size: 18px;">冲上了热搜第一的位置</span></p><p></p><section style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-align: center;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></section><p></p><p style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"></p><p style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p><p></p><section style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;visibility: visible;text-indent: 2em;line-height: 1.75em;"><span style="font-size: 18px;">据悉，江西一女子在某社交平台上发文称，10万现金去银行办个定期，没想到银行工作人员问她，要存多少钱？这钱是从哪里来的？</span></section><section style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></section><section data-role="outer" label="edit by 135editor" style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);visibility: visible;"><section data-role="paragraph" style="outline: 0px;visibility: visible;"><p style="outline: 0px;text-align: center;vertical-align: inherit;visibility: visible;"><br style="outline: 0px;"/></p></section><section data-role="paragraph" style="outline: 0px;height: 0px;overflow: hidden;"><br style="outline: 0px;"/></section></section><section style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;"><br style="outline: 0px;"/></section><p></p><p style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-indent: 2em;"><span style="font-size: 18px;">女子称：“我当时愣了一下，心想你管我钱哪里来的，直接按我说的办理了不就完了吗？搞的这钱是我偷来抢来的一样。但我顿时整理了情绪，问工作人员，你问这个干嘛？之前存现金也没有工作人员问过啊。”</span></p><p style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-indent: 2em;"><span style="font-size: 18px;color: rgb(0, 122, 170);"><strong style="outline: 0px;"><span style="color: rgb(0, 122, 170);outline: 0px;">工作人员回应称，这是银行的规定。</span></strong></span></p><p></p><section style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;"><strong style="outline: 0px;"><span style="outline: 0px;color: rgb(0, 82, 255);"><br style="outline: 0px;"/></span></strong></section><section data-role="outer" label="edit by 135editor" style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><section data-tools="135编辑器" data-id="137609" style="outline: 0px;"><section style="margin: 10px auto;outline: 0px;background-color: rgb(244, 248, 255);"><section style="outline: 0px;display: flex;align-items: center;"><section data-width="50%" style="outline: 0px;width: 285.406px;height: 3px;background: linear-gradient(to right, transparent, rgb(40, 191, 255));overflow: hidden;"><br style="outline: 0px;"/></section><section style="outline: 0px;flex-shrink: 0;display: flex;justify-content: center;"><section style="outline: 0px;flex-shrink: 0;"><section style="outline: 0px;width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-left: 5px solid transparent;overflow: hidden;"><br style="outline: 0px;"/></section></section><section style="padding: 5px 15px;outline: 0px;background-color: rgb(31, 92, 193);border-radius: 0px 0px 10px 10px;"><section style="outline: 0px;font-size: 16px;color: rgb(255, 255, 255);text-align: center;"><span style="font-size: 18px;"><strong style="outline: 0px;">网友声音</strong></span></section></section><section style="outline: 0px;flex-shrink: 0;"><section style="outline: 0px;width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-right: 5px solid transparent;overflow: hidden;"><br style="outline: 0px;"/></section></section></section><section data-width="50%" style="outline: 0px;width: 285.406px;height: 3px;background: linear-gradient(to left, transparent, rgb(40, 191, 255));overflow: hidden;"><br style="outline: 0px;"/></section></section><section style="padding: 10px 12px 15px;outline: 0px;"><section data-autoskip="1" style="outline: 0px;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);background-color: transparent;"><p style="margin-bottom: 16px;outline: 0px;text-indent: 2em;margin-top: 8px;"><span style="font-size: 18px;outline: 0px;letter-spacing: normal;">对此，评论区的网友们一致表示，</span><span style="font-size: 18px;color: rgb(0, 122, 170);"><strong style="outline: 0px;"><span style="color: rgb(0, 122, 170);outline: 0px;letter-spacing: normal;">这是正常的流程，保护你的资金安全。</span></strong></span></p><section data-tools="135编辑器" data-id="7" style="outline: 0px;letter-spacing: 0.578px;"><section style="margin: 10px auto;padding-left: 10px;outline: 0px;border-left: 5px solid rgb(170, 170, 170);"><section style="outline: 0px;font-size: 13px;letter-spacing: 1px;line-height: 1.75em;color: rgba(102, 102, 102, 0.8);"><section style="margin-bottom: 16px;outline: 0px;"><span style="outline: 0px;letter-spacing: normal;font-size: 18px;">@财入门：怕你被电信诈骗了，都是为你好，都是为了你的资金安全，你咋还不领情咋还嫌麻烦呢</span></section><section style="margin-bottom: 16px;outline: 0px;"><span style="outline: 0px;letter-spacing: normal;background-color: transparent;font-size: 18px;">@别强拉硬拽：这是对顾客负责，防诈。</span></section><p data-autoskip="1" hm_fix="266:376" style="outline: 0px;"><span style="outline: 0px;letter-spacing: normal;font-size: 18px;">@珍惜当今 ：这个要求已经执行一段时间了，只要我们的钱都是来源于正途，用于正常的消费和使用，这两点的询问对我们来说一点影响都没有。</span></p></section></section></section></section></section></section></section></section><section style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;"><strong style="outline: 0px;"></strong></section><section style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-align: center;"><br style="outline: 0px;"/></section><section data-support="96编辑器" data-style-id="50393" style="margin-bottom: unset;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><section data-align="title" style="margin-bottom: unset;outline: 0px;text-align: center;"><section style="margin-bottom: unset;padding-top: 4px;padding-bottom: 4px;outline: 0px;background-color: rgb(46, 70, 168);display: inline-block;"><section style="margin-bottom: unset;outline: 0px;border-top: 1px solid rgb(255, 255, 255);border-bottom: 1px solid rgb(255, 255, 255);"><section style="margin: -4px 4px;padding: 6px 12px;outline: 0px;border-left: 1px solid rgb(255, 255, 255);border-right: 1px solid rgb(255, 255, 255);"><p style="outline: 0px;"><span style="font-size: 18px;"><strong style="outline: 0px;"><span style="outline: 0px;color: rgb(255, 255, 255);">多家银行回应</span></strong></span></p></section></section></section></section></section><p></p><p style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-indent: 2em;"><span style="font-size: 18px;">1月8日，记者针对相关情况，咨询了位于北京的招商银行、中国农业银行、中国工商银行等多家银行支行。其中，招商银行工作人员告诉记者，若存10万元及以上现金，直接到银行柜台办理存款业务即可；若存20万元以上现金，则会询问现金来源，但暂时无需提供相关证明。</span></p><p style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-indent: 2em;"><span style="font-size: 18px;">中国工商银行工作人员称，目前在该银行北京地区存10万元及以上现金，暂时没有询问现金来源、出具相关证明等要求。“没有任何要求，带身份证、银行卡和钱来就行。”</span></p><p style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-indent: 2em;"><span style="font-size: 18px;">“没有（规定）一个具体金额，只是简单了解一下。”针对存现金是否需要询问资金来源或提供其他相关证明等问题，中国农业银行工作人员告诉记者，“不用出具什么证明，能说清楚（现金来源）就行，有些人可能说不清楚，根本不知道这钱怎么来的，这种我们就会再详细去问。”</span></p><p style="margin-bottom: 0px;outline: 0px;font-variant-numeric: normal;font-variant-east-asian: normal;font-variant-alternates: normal;font-variant-position: normal;font-stretch: normal;font-size: 16px;line-height: 1.75em;font-family: Heiti SC Light;text-wrap: wrap;font-kerning: auto;font-optical-sizing: auto;font-feature-settings: normal;font-variation-settings: normal;background-color: rgb(255, 255, 255);color: rgb(0, 0, 0);letter-spacing: normal;text-align: center;"><span style="font-size: 18px;"><strong style="outline: 0px;"><br style="outline: 0px;"/></strong></span></p><p></p><section data-role="outer" label="edit by 135editor" style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><section data-tools="135编辑器" data-id="137609" style="outline: 0px;"><section style="margin: 10px auto;outline: 0px;background-color: rgb(244, 248, 255);"><section style="outline: 0px;display: flex;align-items: center;"><section data-width="50%" style="outline: 0px;width: 295.594px;height: 3px;background: linear-gradient(to right, transparent, rgb(40, 191, 255));overflow: hidden;"><br style="outline: 0px;"/></section><section style="outline: 0px;flex-shrink: 0;display: flex;justify-content: center;"><section style="outline: 0px;flex-shrink: 0;"><section style="outline: 0px;width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-left: 5px solid transparent;overflow: hidden;"><br style="outline: 0px;"/></section></section><section style="padding: 5px 15px;outline: 0px;background-color: rgb(31, 92, 193);border-radius: 0px 0px 10px 10px;"><section style="outline: 0px;font-size: 16px;color: rgb(255, 255, 255);text-align: center;"><span style="font-size: 18px;"><strong style="outline: 0px;">新闻+</strong></span></section></section><section style="outline: 0px;flex-shrink: 0;"><section style="outline: 0px;width: 0px;height: 1px;border-top: 20px solid rgb(31, 92, 193);border-right: 5px solid transparent;overflow: hidden;"><br style="outline: 0px;"/></section></section></section><section data-width="50%" style="outline: 0px;width: 295.594px;height: 3px;background: linear-gradient(to left, transparent, rgb(40, 191, 255));overflow: hidden;"><br style="outline: 0px;"/></section></section><section style="padding: 10px 12px 15px;outline: 0px;"><section data-autoskip="1" style="outline: 0px;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(51, 51, 51);background-color: transparent;"><section style="text-align: center;line-height: 1.75em;"><span style="color: rgb(0, 122, 170);letter-spacing: normal;"><strong><span style="color: rgb(0, 122, 170);font-size: 18px;">柜员询问资金来源的行为，</span></strong></span></section><section style="text-align: center;line-height: 1.75em;"><span style="color: rgb(0, 122, 170);letter-spacing: normal;"><strong><span style="color: rgb(0, 122, 170);font-size: 18px;">属侵犯隐私还是职责所在？</span></strong></span><span style="color: rgb(0, 122, 170);letter-spacing: normal;"><strong><span style="font-size: 18px;"></span></strong></span></section><section style="line-height: 1.75em;"><br/></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;">据央视网报道，北京中银律师事务所高级合伙人刘晓宇对此事表示，在2022年2月以后，已暂缓施行“客户存款金额达到一定额度，就要提供资金来源等信息”的规定。目前，客户的风险等级是衡量银行柜员是否需要了解客户信息的标准，风险等级越高，银行需要向客户了解的信息就越多，反之则需要了解的信息可能越少。</span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;color: rgb(0, 122, 170);"><strong style="outline: 0px;">记者：关于“客户存款金额达到一定额度，需要提供资金来源等信息”的规定，是否有法律依据？</strong></span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;"><strong style="outline: 0px;">刘晓宇：</strong>询问客户这些资金信息，最主要的目的是对客户的身份进行识别，进行客户的尽职调查，并按照风险等级采取相应的反洗钱措施，这样有助于提高反洗钱的效率，满足反洗钱的需要，维护金融安全。</span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;">对于银行柜员可以核实客户的信息范围，可以溯源至2022年1月份央行、银保监会和证监会联合发布的《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》。该《办法》原定于2022年3月1日实施，其中第十条有明确规定，商业银行、农村合作银行、农村信用合作社、村镇银行等金融机构为自然人客户办理人民币单笔5万元以上或者外币等值1万美元以上现金存取业务的，应当识别并核实客户身份，了解并登记资金的来源或者用途。</span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;">但在2022年2月21号时，央行、银保监会和证监会再次发布公告，称因技术原因暂缓实施该《办法》，相关业务按原规定办理。</span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;">原规定是指2007年出台的《金融机构客户身份识别和客户身份资料及交易记录保存管理办法》，这其中并没有对此类客户资金来源及用途的规定。</span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;color: rgb(0, 122, 170);"><strong style="outline: 0px;">记者：目前，银行柜员对于客户个人信息的核实标准是什么？</strong></span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;"><strong style="outline: 0px;">刘晓宇：</strong>目前，我们遵循原规定的内容。原规定要求核实自然人客户的姓名、性别、国籍、职业、住所地、工作单位、地址、联系方法、身份证件或者是身份证明文件等。对于法人或者其他组织、个体工商户也是作简单要求，比如名称、住所、经营范围、组织机构代码、税务登记号码、营业执照等。</span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;">此外，它还有一个规定，对于高风险客户或者高风险账户的持有人，金融机构应当了解资金来源、资金用途、经济状况或者经营状况等信息，以加强对金融交易活动的监测分析。</span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;color: rgb(0, 122, 170);"><strong style="outline: 0px;">记者：银行调查资金来源应以金额为衡量标准吗？</strong></span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;"><strong style="outline: 0px;">刘晓宇：</strong>其实总的来说，不能笼统地说客户的存款金额越大，就应该了解更多信息，只能说原则上大概率是这样。对于了解客户的信息范围，这个标准其实取决于客户的风险等级，风险等级越高，银行需要向客户了解的信息就越多，反之则需要了解的信息可能越少。</span></section><section style="margin-bottom: 24px;outline: 0px;line-height: 1.6em;text-indent: 2em;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;">所以一般来说，金融机构是按照客户本身的特点、账户属性，同时考虑地域、业务、行业等划分相应的风险等级，并且在这个基础上进行适时调整。</span></section><section style="outline: 0px;line-height: 1.6em;text-indent: 2em;margin-bottom: 8px;"><span style="outline: 0px;letter-spacing: 0.5px;font-size: 18px;">如果是高风险的客户，银行柜员进行相关讯息的询问，完全符合目前的监管要求。但在一般情况下，如果银行内部没有掌握确切的客户风险等级，无权询问客户的相关信息。如果询问，确实违反目前的监管准则。</span></section></section></section></section></section></section><section style="margin-bottom: 0em;text-wrap: wrap;font-size: 16px;outline: 0px;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;line-height: normal;"><br/></section><p></p><p role="note" aria-label="时长" style="margin-bottom: 0em; padding-top: 8px; font-size: 14px; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: 1.4; background-color: rgb(255, 255, 255); color: rgb(255, 255, 255); top: 48px; left: 0px; right: 0px; text-align: left;"><span style="font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; outline: 0px; color: rgb(178, 178, 178);">来</span><span style="font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; outline: 0px; color: rgb(178, 178, 178);">源/十堰晚报</span></p><link rel="stylesheet" href="//www.hbrdcm.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_OhZ" id="wcn_editor_css"/>
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