买彩票喜中大奖后，奖金通常由哪个银行发放？现在有了答案

Core Viewpoint - The enthusiasm for purchasing lottery tickets among domestic residents has significantly increased in recent years, primarily due to the challenges of making money post-pandemic, with lottery tickets seen as a rare opportunity for quick wealth [1] Group 1: Lottery Sales and Trends - In 2024, the total sales of lottery tickets in China are projected to reach 582.7 billion yuan, representing a year-on-year growth of 8.3% [1] Group 2: Winning Probability and Strategies - The probability of winning the first prize in the Double Color Ball lottery is 1 in 17.72 million, which is lower than the chance of being struck by lightning [3] - Long-term commitment to purchasing lottery tickets is suggested as a strategy, with some experienced players winning after consistent participation [3] - To enhance winning chances, players are advised to choose lotteries with higher probabilities, such as the Double Color Ball, and to avoid purchasing tickets on weekends when participation is higher [5] Group 3: Prize Distribution and Taxation - For winnings below 3,000 yuan, prizes can be claimed directly at the lottery store, while larger amounts require a check issued by one of the six major state-owned banks [7] - Winners receive checks after a 20% personal income tax deduction; for instance, a 5 million yuan prize results in a net amount of 4 million yuan after tax [7] - The check must be deposited into a personal bank account before funds can be accessed, and banks often approach winners to discuss investment options, with annual yields on bank products typically ranging from 2.6% to 3% [9]