Core Viewpoint - The recent implementation of monthly deposit and withdrawal limits for personal bank accounts in China marks a shift from "extensive management" to "precise regulation" in financial governance, reflecting deeper financial governance logic [1][3]. Policy Background and Core Content - The new policy is not unique to China, as similar measures exist globally, such as the U.S. requiring cash transactions over $10,000 to be reported and the EU setting a cash payment limit of €10,000. The policy primarily targets non-counter transactions and allows for temporary adjustments to limits under certain conditions [3][5]. Multiple Motivations for Policy Introduction - The primary driver for this reform is the fight against money laundering, with suspicious transaction reports increasing by 23% in the first half of 2024. The limit management aims to curb money laundering tactics that involve breaking large transactions into smaller ones. Additionally, it plays a crucial role in preventing telecom fraud and aids banks in managing liquidity more effectively during economic transitions [5][9]. Actual Impact on Ordinary Depositors - For most wage earners, the monthly limit of ¥50,000 is sufficient, as it is approximately ten times the average monthly disposable income of ¥4,865. However, specific groups, such as individual entrepreneurs, may need to adjust their cash flow management. The policy also encourages financial service refinement, with banks offering "smart limit" services based on transaction history [7][9]. Deep Changes in Financial Ecosystem - The policy is reshaping banking business models, prompting banks to focus on "long-tail customers" and innovate products like micro-investment and automatic fund allocation. It enhances risk control systems and improves the transparency of monetary policy transmission, allowing for better data support for macroeconomic regulation [9][11]. International Comparison and Localization Practice - China's limit management features "rigid constraints with flexible execution," differing from the Western approach of large transaction reporting. The mixed model of "limit management + whitelist" maintains regulatory strength while avoiding a one-size-fits-all approach [11]. Future Evolution Directions - The policy is expected to optimize in three areas: establishing dynamic adjustment mechanisms based on regional economic conditions, enhancing technology integration for intelligent and transparent limit management, and improving supporting measures such as expanding digital currency applications [11][13]. Conclusion - The deposit and withdrawal limit management is a significant exploration in the modernization of China's financial governance, aiming to create a secure, efficient, and inclusive financial infrastructure that aligns with the rapid development of the digital economy [13].

（客户为邮储银行夹江县支行送锦旗） 自开展打击治理电信网络诈骗犯罪工作以来，邮储银行夹江县支行认真履行企业政治责任和社会责任， 自觉加强警银合作，积极落实防范电信网络诈骗义务，大力推进电信网络诈骗防控工作，2025年4月30 日，邮储银行夹江县支行工作人员及时发现并拦截了一起电信诈骗行为，成功守护了群众的"钱袋子"。 当天下午，神色匆忙的李先生独自前来邮储银行夹江县支行营业部大厅,要求将名下的2.7万元活期存款 取出，由于该网点营业主管在此前已向当班柜员提醒告知近日需注意排查夹江县反诈警银协作群中要求 的高度关注取款金额2.7万元客户，客户神情表现及取款金额立刻引起柜面工作人员的警惕。 转自：推广 近日，邮储银行夹江县支行工作人员凭借高度的责任心和敏锐的警觉性，成功拦截一起电信诈骗案件， 帮助客户避免了2.7万元的经济损失，获得客户及警方的高度赞扬。 邮储银行夹江县支行工作人员按规定核实客户入账信息，发现客户账户在4月30日13：00左右连续收到 他行3笔汇款，合计2.8万元，时间间隔短，存在"快进快出"情形，同时询问客户取款用途，客户答复此 笔钱取出后要借给朋友用于结婚，但手机银行因限制非柜面交易转账失败所 ...