银行问你为什么取钱？记住这3句“万能话术”，让柜员闭嘴办业务

Core Viewpoint - The article discusses the reasons behind banks questioning customers about the purpose of large cash withdrawals, emphasizing the importance of preventing money laundering and protecting customers from fraud [3]. Group 1: Reasons for Bank Inquiries - Banks inquire about cash withdrawal purposes to curb money laundering and maintain financial stability, as mandated by China's Anti-Money Laundering Law [3]. - The inquiries also aim to prevent telecom fraud, particularly protecting elderly customers who may be more vulnerable to scams [3]. Group 2: Customer Responses to Bank Inquiries - Customers can respond to bank inquiries by citing the Commercial Banking Law, asserting their rights to withdraw funds without disclosing specific purposes [5]. - In cases where bank staff persist in questioning, customers can reference the Anti-Money Laundering Law and request written legal justification for continued inquiries [6][8]. - If banks delay or obstruct withdrawals, customers can invoke regulations from the China Banking and Insurance Regulatory Commission, indicating their right to file complaints [8][10]. Group 3: Evidence and Documentation - Customers are advised to record conversations during withdrawal attempts to document any obstruction, stating their transaction is legal and that recordings may serve as evidence for complaints [10]. - It is also recommended to keep receipts and note the bank staff's identification details for further reference [10].