Recently, every reporter noticed that the integrated function of deposit and withdrawal of some bank ATMs in Shanghai is limited, and the same machine only supports deposit or withdrawal, unable to achieve two-way cash circulation.
stay China Merchants Bank At a certain outlet, the reporter saw that there were three ATM machines available, two of which were pasted with the words "deposit only" outside the door, and the other one was pasted with the words "withdrawal only" outside the door. At the bottom of these papers is also posted the bank's explanation of this arrangement, which is called "to implement the requirements for cash disinfection". When entering the door, the bank also equipped hand sanitizer free of washing beside ATM machines.
stay Shanghai Pudong Development Bank 、 Industrial Bank The reporter saw that ATM machines also marked (only) deposits or (only) withdrawals separately in some outlets. On the ATM attached with "deposit" of Shanghai Pudong Development Bank, the reporter saw that the screen of the machine also showed that "this machine does not support the withdrawal function, if you need to withdraw money, please go to other ATMs or the counter." The staff of the above banks explained that it was also necessary to detoxify cash during the epidemic.
A bank staff told the reporter: "We entrust a third-party company to come here twice a week to sterilize the money we have deposited, and then come back to the ATM after detoxification." As for whether the frequency of twice a week can meet the daily needs of citizens for deposit and withdrawal, the above person said, "It should be enough, we (ATM) Every time you put it in the machine, it's about 800000 yuan. " According to the maximum daily limit of RMB 20000 for each card withdrawn through ATM, the cash deposit in the machine can meet the daily withdrawal needs of surrounding residents.
The Shanghai Headquarters of the People's Bank of China responded to the inconvenience of ATM deposit and withdrawal of many banks
In view of the media reports recently that the all-in-one machine for deposit and withdrawal in many banks in Shanghai has closed the circulation function and is not maintained in time, which has caused inconvenience to deposit and withdrawal, the People's Bank of China Shanghai Headquarters attached great importance to it, quickly interviewed the banks involved for verification and confirmation, issued emergency notices to banks throughout the city, held two online meetings, and organized banks to comprehensively investigate the operation of self-service machines and tools. At the same time, on the basis of ensuring that the cash supply is "sufficient in total, reasonable in types of bonds, neat in face, and reassuring for holders", guide banks to ensure the needs of people's livelihood, make overall plans for epidemic prevention and control and cash services, strengthen cash sorting and disinfection, optimize cash services at front-line outlets, and effectively play the role of self-service machines and tools in the diversion of counter cash business, Meet the public's demand for cash deposit and withdrawal.
First, organize bank self inspection and cross inspection. Based on the principle of "self inspection and self correction, supervision and supervision, and establishment and reform", banks across the city were organized to carry out "carpet" self inspection and grid cross inspection (spot check) of cash self-service machines and tools, including machine type, quantity, operation status, logo posting, maintenance and repair response time.
The second is to increase the frequency of banknotes and maintenance. Guide the bank to enrich the cash self-service machine service team, coordinate its cash center, security escort company and other departments, increase the frequency of self-service machine clearing and banknote refilling, and avoid full or empty banknotes. Establish an emergency plan for peak cash demand period to ensure that the outlets have the ability to clear and sterilize cash and clean machines and tools for cash replenishment under special circumstances. The bank is required to specify the time limit for failure maintenance of self-service machines and tools by signing a contract with the manufacturer of machines and tools.
The third is to dynamically adjust the circulation function of the all-in-one cash machine. In combination with the latest epidemic prevention and control policies in Shanghai, we distinguish the risk levels of different streets (towns) and dynamically adjust the circulation function of the all-in-one cash machine. Among them, there are all-in-one withdrawal and withdrawal machines configured in the middle and high-risk street (town) areas, and the circulation function is turned off; The all-in-one machine of deposit and withdrawal configured in the non medium and high-risk street (town) area enables the circulation function.
Fourth, implement the information publicity system. Guide banks to pass Online and offline The channel publicizes the type, distribution address, operation and other information of cash self-service machines and tools to facilitate the public to query and handle cash business. According to the actual available functions of self-service machines and tools, signs shall be posted accurately. If the machines and tools fail, the bank shall be required to publicize the specific reasons and notify the manufacturer to recover as soon as possible.
Fifth, strengthen on-site inspection and background monitoring. Guide banks to implement the responsibility system for monitoring cash self-service machines and tools, and designate special personnel to monitor the operation and maintenance of cash self-service machines and tools in the bank. The bank is required to use scientific and technological means to dynamically monitor the cash deposit and withdrawal business data of self-service machines and tools, respond to and dispose of full cash, empty cash, failures and other situations in a timely manner, and maximize the external service time of self-service machines and tools.
(Source: payment sector)
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