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不超过5万元无需公证 已故存款人小额存款提取更便利_我的网站

A |     人民网北京4月27日电 （记者杜燕飞）为提升存款继承便利度，便利群众办理小额存款继承，近日，国家金融监督管理总局、中国人民银行联合发布《关于优化已故存款人小额存款提取有关要求的通知》（以下简称《通知》），自今年6月1日起正式实施。

B | 长期以来，根据相关文件规定，继承人提取已故亲属存款，须提交由公证机构出具的继承公证书，银行凭此公证书办理过户或支付手续费。2021年1月，原银保监会、中国人民银行联合印发《关于简化提取已故存款人小额存款相关事宜的通知》（以下简称18号文），取消了第一顺序继承人、公证遗嘱指定的继承人或受遗赠人提取已故存款人1万元以内存款的公证要求，并允许银行在1万元至5万元之间上调限额。    Texas Governor Greg Abbott has authorized his state’s National Guard and the Department of Public Safety to detain migrants who illegally cross the border between ports of entry and return them to US-Mexican border entry points.,The federal government is normally responsible for enforcement of immigration; Governor Abbott stressed in an executive order announced on Thursday that while US President Joe Biden “refuses to do his job and enforce the immigration laws enacted by Congress, the State of Texas is once again stepping up and taking unprecedented action to protect Americans and secure” the US southern border.,The governor referred to the US Constitution, which he said stipulates that the country “shall protect each [State in this Union] against [a border] invasion.”,The announcement comes after former Trump administration official Ken Cuccinelli said he wanted Abbott to declare an invasion and enact a Title 42-style program, which envisages migrants being “repealed at the border” and automatically turned away.,Cuccinelli’s remarks followed US authorities saying in late June that at least 51 migrants had died after being trapped inside a sweltering tractor-trailer truck found abandoned in Texas. The deceased 39 men and 12 women were discovered on the outskirts of San Antonio, in what became one of the deadliest human trafficking tragedies in recent history.,At the time, Abbott pointed the finger at the “open border policy”, pursued by Biden, who in turn said that the incident “underscores the need to go after the multi-billion dollar criminal smuggling industry preying on migrants and leading to far too many innocent deaths.”,The Biden administration is grappling with increasing border arrivals as US Customs and Border Protection (CBP) data revealed in mid-June that that Border Patrol agents apprehended 239,416 illegal migrants on the US southern border in May, a new record high.,'Doing Nothing': Border Patrol Union Chief Rips Biden Migrant Policies for 'Benefiting Smugglers'2 April, 14:25 GMT,This year, the number of illegal migrants detained every month on the US’ southern border hit two record highs, in March and April, 222,339 and 235,478, respectively, according to CBP.,In a separate development in March, Biden told migrants not to come to US, insisting that there had been a surge in immigration "in the last two years", but that that the current rise "could be" worse.,Former US President Donald Trump, for his part, argued at the time that Biden had "eroded" the successful system that Trump had put in place, and that his policies "were working better than they have ever seen on the southern border.",The crisis on the US southern border began almost immediately after Biden took office in January 2021 and revoked Trump-era immigration policies, including the 45th president’s signature border wall and the “Remain in Mexico” program. Other measures, including promises to “restore and expand” the US asylum system, and to potentially provide a “path to citizenship” for more than 11 million undocumented immigrants already residing in the US, led to a further surge in entry attempts.。

C | 国家金融监督管理总局、中国人民银行有关司局负责人表示，18号文出台以来，小额存款提取效率明显提高，群众负担切实减轻。同时，从多渠道了解到，存款继承和小额存款提取业务中还存在一些有待完善和明确的问题。

D | 为此，《通知》对18号文进行了优化，将简化提取的账户限额由最低1万元统一提高至5万元。考虑地区和机构差异，允许农村中小银行延后至2025年底达到该要求。能够简化提取的不仅仅只是存款。

E | 《通知》扩大了简化提取范围，将已故存款人的黄金积存产品以及国债、代销理财产品纳入简化提取范围。《通知》要求，对小额存款提取业务中常见的申请人提交的材料不齐全或不符合要求等情况，银行要一次性告知申请人相关要求。

F | 值得注意的是，《通知》明确，银行可以应第一顺序继承人要求，提供已故存款人死亡后以及死亡前6个月内的账户交易明细。

G | 对此，上述负责人表示，已故存款人银行账户交易明细记载着已故存款人生前的部分个人信息，并且可能涉及个人隐私，应当谨慎对待。

H | 但在现实中，也存在继承人在特定情形下查询已故存款人生前交易明细的合理需求。继承人合法、正当的查询需求应当得到满足。“为兼顾个人信息保护和继承人查询需求，依据《民法典》《个人信息保护法》等法律规定，经征求多方意见，我们在《通知》中明确了查询账户交易明细有关要求，以满足特定情形下的查询需求。

I | 为避免非必要、无限制查询，保护已故存款人个人信息和隐私权，《通知》对查询申请人和查询时限等作出规定。

J | ”上述负责人表示。

K | 此外，《通知》还明确丧葬费、抚恤金不计入5万元账户限额，可以全额简化提取。申请人可以通过适当方式，表明账户中资金属于丧葬费、抚恤金。银行通过核查交易信息和资金来源、申请人签署承诺书等方式确认资金性质，在保障资金安全的前提下，办理简化提取。现实中，存在已故存款人账户汇入丧葬费、抚恤金的情形。此前没有关于丧葬费、抚恤金提取的明确规定。

L | “考虑到丧葬费、抚恤金在性质上与已故存款人生前存款不同，为便利群众，《通知》明确丧葬费、抚恤金不计入5万元账户限额，可以全额简化提取。申请人可以通过适当方式，表明账户中资金属于丧葬费、抚恤金。”上述负责人表示，银行通过核查交易信息和资金来源、申请人签署承诺书等方式确认资金性质，在保障资金安全的前提下，办理简化提取。

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