跨行不能代发工资？江门的银行这样回应

Core Viewpoint - The article discusses issues related to cross-bank salary distribution in Jiangmen, highlighting customer complaints and bank responses regarding the process and regulations involved [2][3][4]. Group 1: Customer Experience - A customer reported difficulties in processing cross-bank salary distribution, as the bank required employees to open accounts with their bank for salary payments, otherwise only a one-month approval was possible [2]. - The bank later clarified that the issue arose from a lack of familiarity of the customer manager with the process, and the cross-bank salary distribution was eventually enabled [2]. Group 2: Bank Responses - Various banks in Jiangmen were contacted regarding their policies on cross-bank salary distribution. Some banks confirmed that they could facilitate this service without additional fees, while others provided specific fee structures [3]. - For instance, China Construction Bank allows cross-bank salary distribution through their "other bank distribution system," but did not specify any fees [3]. - Huaxia Bank confirmed that they could process cross-bank salary payments without fees, while Guangfa Bank indicated that fees could range from 0.5 to 5 yuan per transaction or 0.1-0.2% of the amount [3]. Group 3: Regulatory Framework - The People's Bank of China issued guidelines encouraging the use of existing personal bank accounts for salary payments, supporting cross-bank salary distribution and prohibiting banks from forcing employees to open new accounts [4][5]. - The guidelines specify that banks should not obstruct employees from using accounts at other banks for salary payments and should not impose additional burdens on individuals [6].