300,000 yuan in cash was burned into black charcoal, and it was possible to exchange for 147.55 million yuan when you went to the bank

On August 10, a news that "a box of cash is baked into black charcoal, and banks helped to exchange for 147.55 million yuan" attracted everyone's attention. Ms. Chongyang Zhou, Hubei, was burned into coke by a fire by a large fire. With the efforts of the provincial, municipal, and county -level People's Bank of China, experts appraised the damaged coin of carbonization. Ms. Zhou exchanged for 1.4755 million yuan, recovering nearly half of the loss. Many netizens praise the spirit of the bank staff, and at the same time, they also have questions: they can't see that it is a banknote in this way, and can they redeem it? In this question, a reporter from Beijing Youth Daily interviewed people in the industry.

Whether it can be exchanged depends on the specific situation

The reporter from the Beijing Youth Daily saw from the relevant news photos and videos that most of the cash of Ms. Zhou's family burned into a pile of black charcoal with a cuboid. It looks like a piece of black stones in the distance. The bundled hundred -dollar paper banknotes can also identify the words "100".

According to reports, the bank staff at the scene carefully died with a toothpick. Four staff members have been counted from 10 am to 2:30 pm. They did not rest at noon. They counted a total of 1.4755 million yuan of damage coins.

The reporter contacted an industry insider who had dealt with similar cases. The person said that the carbonized renminbi after the burning fire could not be exchanged at all. Whether it can be exchanged, the specific situation of the money at the scene, some details cannot be fully displayed in video and pictures. According to his experience, important anti -counterfeiting characteristics such as metal security lines should also be distinguished at the scene. From the photos, Ms. Zhou's money is basically the whole. It can be seen that the size of the banknotes is not broken. "If it is broken, it will not be able to distinguish it."

The person also said that some people liked to put cash home in the past few years. Once theft or fire, it would cause a large economic loss. After the strong publicity of financial institutions and the rise of electronic payment in recent years, this case has become less and less.

Need to go to the local people's bank to apply for identification

It is understood that on May 25, 2017, the People's Bank of China officially released and implemented the financial industry standards of "Inability to circulate RMB banknotes", which clarified the concept of inability to circulate RMB and defined the characteristics of various types of damage. According to this standard, 12 types of damage to RMB should not be circulated, including "carbonization".

This standard stipulates that due to high temperature effects, RMB banknotes formed paper carbonization of tickets. If one of the following circumstances, it is not suitable to circulate RMB: a carbonization appears in the ticket surface, and its carbonization area is greater than 10 square millimeters. The cumulative carbonization area is greater than 18 square millimeters; although the area of ​​carbonization of the ticket has not exceeded the prescribed standards, it covers one of the important anti -counterfeiting characteristics and affects the anti -counterfeiting function.

According to relevant regulations, the banking financial institutions must settle the cage coupons in accordance with the standards in accordance with the standards, and they must not pay the public to the public should not circulate RMB; if the public holds or receives the RMB in the hand, it shall go to the bank in time to go to the bank Industry financial institutions exchange. Banking financial institutions shall, in accordance with the regulations of the People's Bank of China, exchanged incomplete and dirty RMB for the public in accordance with the regulations of the People's Bank of China.

Industry insiders told the North Youth Daily reporter that citizens can go directly to the bank to exchange for ordinary disabled or stains, but for Ms. Zhou's special disability and stain loss of RMB. The local people's bank branch applies for appraisal and exchange. The so -called special incomplete and dirty Renminbi refers to the special reasons for the firing, the insects, the mouse, the mildew and other special reasons, causing the appearance, texture, and anti -counterfeiting characteristics to be damaged, paper charcoalization, deformation, the patterns are unclear, and they cannot be tied normally. Binding, it is not advisable to continue to circulate RMB.

Special incomplete and dirty RMB are generally caused by improper storage. The exchange is very difficult and will bring irreversible losses to the holder. Therefore, citizens should try to deposit cash to the bank as much as possible, and do not deposit a lot of cash at home. For special disabled stains, do not pat, squeeze, rub, and keep the original state. You should go to the local specified special cash business outlets in time to exchange. If you don't know how to deal with it, you can consult the nearest bank business outlet.

hint

Raid

It is understood that the "Measures for the Renovation of the People's Bank of China and the RMB RMB" stipulates that financial institutions that handle the RMB access business should redeem their incomplete and contain RMB for the public without compensation. The exchanges of incomplete and dirty RMB are divided into two situations: "full" and "half". It can distinguish the denomination, and the remaining three -quarters of the ticket surface (including three -quarters) or more, the patterns and text can be connected by the original connection, and the financial institutions should be exchanged for the holder according to the original surface. Can distinguish the denominations, one -half of the remaining two (including one -half) to less than three -quarters, the patterns and text can be connected by the original connection, and the financial institutions should be Half of exchange. If the banknote is a quarter of a quarter, it is redeemed by half of the original surface.

In addition, more than one -half of the ticket surface is more than one -half of the tickets, scorching, burning, water immersion, oil immersion, and discoloration, and cannot be distinguished. Those who deliberately dig, modify, clipage, and remove one side cannot be exchanged.

(Source: Beijing Youth Daily)

Edit: Han Luying

- END -