Heartwarming! The old man burned more than 20,000 coke and the bank restored 1.99 million, why can t

Heartwarming! The old man burned more than 20,000 yuan into coke and the bank restored 10,000, why can this money be exchanged back? Less than half cannot be exchanged, more than half is less than 75%, half is exchanged, more than 75%, full exchange.

If the mold is too serious or the fire is seriously carbonized, only some outlets can redeem it. You can go to the local People's Bank of China to apply for special defects and defacement of RMB appraisal. Bring all the pieces of money, ashes, etc., as well as the holder's ID card.

This case reminds me of a family in my village when I was a child. The situation of their family is not very good, and the woman's health is inconvenient, so she can only stay at home, unable to do anything, and the only income of the family should be the income of the man from long-term work and farming and selling grain. The man gave all the money he earned to the woman for safekeeping, and the woman hid the money in a bag full of grain.

One day, when their family was selling grain, they sold it together to the people who collected it, but they didn't take out the money.

This matter spread in the village, and they all said that the family was reluctant to eat and wear, and in the end, the money was gone! Therefore, there must be a way to manage money, and there must be a way to save money. There are few wealth management products in rural areas, you can deposit them in the bank, or lend them to others to earn interest, it is not wise to put them at home First of all, the possibility of a bank fire, almost nothing, even if there is, as far as I understand, now a savings bank, if there are large customers who need to withdraw cash, are required to make an appointment in advance, that is, if a savings bank does not have a large customer to make an appointment to withdraw cash, the cash of the savings bank is only a small part.

At present, the bank does not deposit a lot of cash at all, and the cash is sent to the bank by the escort car every morning to work, and the escort car is transported to the municipal bank every night and recorded in the account. If there is a large customer who makes an appointment to withdraw cash in advance, it will be delivered directly to the bank by a professional escort vehicle the next day, and the cash deposited in a savings bank or branch is very limited. This is a personal opinion.

Mainly through the bank staff 4 hours of intensive rescue and exchange, the bank appeals to everyone if there is a large amount of deposits recommended to the nearest bank storage, it is not recommended to collect a large amount of cash.

The bank staff received these charred presents and worked quickly to help the old man identify, and finally more than 20,000 cash was exchanged for 10,000, and the old man recovered his losses as much as possible, this matter is that we must not put too much cash at home, do not put cash in a dangerous place.

It is because although the money is burned, he keeps the most important part and can still prove the truth of this cash, so it can be exchanged.

The consequences of deliberately destroying the renminbi are very serious and will result in a warning, confiscation of illegal gains or a fine, which may constitute a criminal offence in serious cases. In Jingning, Lishui, Zhejiang, an old couple had a fire in their home, more than 20,000 yuan and related documents were scorched and damaged, the old man brought all the cash to the bank for help, the bank attached great importance to it, and through the efforts of the staff, the loss of the old man was recovered. In this incident, the elderly did not have a strong sense of protection and security of the RMB, which led to the occurrence of this incident.

Relevant legal provisions. The renminbi is the legal tender of our country. According to the relevant provisions of Article 43 of the Regulations of the People's Republic of China on the Administration of Renminbi, the administrative department for industry and commerce shall give a warning, confiscate the illegal gains and illegal property, and impose a fine of not less than 1 time but not more than 3 times the illegal gains; where there are no illegal gains, a fine of between 1,000 and 50,000 yuan is to be imposed.

Illegally used renminbi patterns or samples must be destroyed by the administrative department for industry and commerce. The old man in the incident was only unfavorable to the custody of the renminbi and did not deliberately damage the renminbi, so he did not violate the relevant regulations. It is important to note here that not all damaged renminbi can be converted, first, when three-quarters of the face value remains, the full amount can be exchanged; Second, if there is half of the face value remaining, it can only be exchanged for half of the full amount; Third, if the damage is more serious and less than half of the denomination, it cannot be redeemed.

Preservation of the renminbi. Nowadays, many people will not keep a large amount of RMB at home, but will only keep a part of their living expenses. With the rapid development of mobile payment and digital yuan, the circulation of paper yuan will become less and less.

This not only ensures the safety of funds, but also reduces environmental pollution. Finally, I would like to remind everyone that it is safest to deposit a large amount of RMB directly into the bank.

Intentional damage to the RMB is an illegal act, the public security organs will punish the severity of their behavior, so as we ordinary people, we must use the RMB formally, do not deliberately damage the RMB, because the process of RMB in the production process is very cumbersome, the production cost is relatively high, if the RMB enters the market circulation, it will not take long to be destroyed, then the damaged RMB will be returned to the People's Bank of China for processing. Originally, a brand new renminbi would have been circulating in the market for a long time, because being damaged in the middle of the process would reduce its circulation time, and it would not be able to play its due value.

An old man's home storage of 20,000 yuan was inadvertently burned into coke, through the help of the bank to exchange 10,000 yuan, from the final exchange amount, the old man was burned by the 20,000 yuan of damage is not very large, from the reason for being burned, does not belong to the old man deliberately damaged the yuan, can only be said to be the loss caused by the improper custody of the elderly, which also reflects from the side, there are many old people for the banknote storage method does have some problems, so that the possibility of the banknote being burned, Therefore, when keeping coins in daily life, you must pay attention to choosing a safe place to put them away to avoid ruining your money due to your own mistakes.

Any person should take care of the RMB, in the process of using the RMB, it is strictly forbidden to scribble on the RMB, especially some children, like to draw various patterns on the RMB banknotes when playing, so parents should also tell their children to use the RMB correctly while educating their children, because the liquidity of the RMB banknotes is very strong, if the surface of the RMB banknotes is altered or damaged, other operators are also unable to collect such money, can only take it to the bank for exchange, In addition, we should also pay attention to the fact that for those damaged renminbi, we must keep our eyes open to distinguish the authenticity from the fake.

Hundreds of dollars of coke can also change, and Jiangning has $20,000 of coke for the burning of the elderly in this good bank, which the bank exchanged for 19,900 yuan。To what extent is the damaged renminbi unusable? In China, the People's Bank of China has issued special measures to achieve a clear exchange:

The degree of damage to the RMB, the degree of bank exchange, the degree of non-exchange. I would like to summarize the following points:

First of all, if a banknote does not recognize the denomination, it cannot be exchanged.

Second, if the currency is able to distinguish the face value, then more than three-quarters of the remaining face value, i.e., the entire convertible amount.

Third, if currencies can be distinguished by their face value, then the remaining half of the face value knows less than three-quarters of the half.

Any bank can exchange it, and if the bank does not exchange or is not satisfied with the results of the RMB loss assessment, the PBOC can re-evaluate it. The above is the renminbi, if there is no such clear, convenient and fast prescribed exchange method.

In addition, the damage caused by foreign exchange is relatively difficult, and the main institutions of the Bay are now making the following points: 1- Not all banks are qualified for foreign exchange exchanges, and most banks do not even engage in foreign exchange transactions. Without foreign exchange trading, of course, it is impossible to exchange foreign currency.

Banks eligible for exchange will not be open at all branches in the city. 2.If you have ordinary foreign currency, then you can deal with foreign currency in monetary operations banks, Zhejiang, agriculture, China, construction, and transportation, as well as some involvement of banks, but if you have obvious signs of foreign exchange distortion, report only to the China Foreign Exchange Bank.

Brief explanation: The standards for different types of forex trading are different from those of the exporting country. For example, the Australian flag allows for slight twisting, but it must be less than half a (10 x 10) mm at the edge of the coin.

Triangular). Singapore, for example, noted that it cannot be replaced by any stigma.

Those who deliberately damage the renminbi will be warned by the administrative authority for industry and commerce, and will also be fined between 1,000 yuan and 50,000 yuan.

If the RMB is deliberately damaged, the relevant warning will be imposed, and the relevant fine will also be imposed, and the corresponding legal punishment will be punished.

The reason why the damaged banknotes can still be exchanged in the bank is mainly because the status of the RMB itself is very important, and there is no place to replace it. <>

The old man has more than 20,000 yuan, and the final burned coke bank can be restored to more than 10,000 yuan, and the damaged banknote bank can be effectively exchanged, because the renminbi is the most important currency used normally in China, so the protection of the renminbi is also very important. The renminbi is an indispensable part of people's daily lives. Although in the face of the current small development of the digital economy and the reform and innovation of future technologies, the RMB rarely appears in people's lives, but the existence of the RMB is also indispensable.

Therefore, it is necessary to increase the protection of the renminbi, and the effective exchange of the bank's various damaged ratios is also the responsibility and value of the bank's individual. If the renminbi has an impact and danger in various unexpected circumstances, it is necessary to strengthen its protection. <>

In daily use, if the RMB is damaged or damaged, you can find the corresponding customer and bank for effective exchange. However, for the exchange of RMB in the bank, it is also necessary to judge according to its specific principles and the degree of damage, if the overall property right area is very large, and the denomination is less than 1 4 and so on, it is not possible to effectively convert. Therefore, as a member of the People's Republic of China, we must strengthen the protection of the renminbi, starting from our own protection, so as to reduce the various economic losses caused by the damage of the renminbi, and the dialogue on the damage needs to be based on the establishment of the bank.

If the damage is severe, you can't have a conversation. For those who are vulnerable to damage, it is necessary to increase the protection of the life of the pharmaceutical factory. <>

The renminbi is an indispensable currency in our daily lives, and we need to strengthen our protection to reduce the serious impact of various injuries in our daily lives.

Because the denomination of these banknotes can still be seen clearly, and most of them are less than a quarter or half of the damage, they are still exchangeable.

The damaged banknote can be exchanged at the bank, as long as it is not burned too badly, you can exchange it, and the bank will help you get all the bad yuan well.

The old man took the appraisal certificate issued by the Jingning County Branch of the People's Bank of China, and under the leadership of the staff of Jingning Rural Commercial Bank, he exchanged it for 10,000 yuan in cash. Here, too, the bank staff would like to remind readers: especially large amounts of cash.

100 yuan bills can also be exchanged for coke, there is a good bank in Jingning, Zhejiang, there is an old man who burned 20,000 yuan into coke, and the bank exchanged 19,900 yuan for her.

To what extent is the renminbi damaged and unusable? In China, the People's Bank of China has issued a special exchange method to make it clear: to what extent the renminbi is damaged, the bank will exchange it, and to what extent it will not be exchanged.

I would like to summarize the following points:

First, if the banknote is no longer denominational, it cannot be exchanged.

Second, if the banknote can be denominated and more than three-quarters of the face value remains, it can be exchanged for the full amount.

Third, if the banknote can distinguish the denomination, the remaining half of the face value and less than three-quarters of the face can be exchanged for half of the amount.

Any bank can make an exchange, if the bank does not exchange or is not satisfied with the results of the appraisal of the damaged RMB, it can go to the People's Bank of China for a new appraisal. The above is RMB, if it is a foreign banknote, there is no such clear and clear regulations, convenient and fast exchange method.

In addition, it is relatively difficult to exchange damaged foreign currency, which is mainly reflected in the following points:1.Not all banks are qualified to exchange foreign currency, and most banks do not even operate foreign exchange business.

Banks that are eligible for exchange do not operate in all branches in all cities. 2.If your foreign currency is normal, then you can go to a bank with foreign exchange business, such as industry, agriculture, China, construction, communications, and some joint-stock banks, but if your foreign currency has obvious traces of defacement, you can only go to the Bank of China for exchange.

Summary: The circulation standards of different types of foreign currencies are different, which is related to the issuing country. For example, Australian banknotes are allowed to be mildly mutilated, provided that they are on the edge of the banknote and no more than one-half (triangle) of (10x10) mm.

Another example is Singapore banknotes, but they are not allowed to be exchanged for the slightest stain.