Spring Festival, children were getting a lot a lot of lucky money, there are many parents give their children thinking about opening a bank account, saving them from an early age and financial concepts. However, most members of the public on how to account for their minor children is still relatively unfamiliar in practice is often performed less effective. Recently, this reporter made a special trip to a survey for reference.
customer problems
ran a few times a bank account could not do so
Wang recently is for the reader to their year-old son to open a bank savings account to worry about. to do so into the account open. annual fee), and there is a small account management fees. Despite the small amount, but Mr. Wang that this situation is not suitable for children, because he did not want his son to see the money in the bank, the money is getting more and more, but less and less.
finally, asked to be in CITIC Bank (601,998 shares of it, prices, information, the main trade) to open a debit card, do not pay the fees, Wang excitedly rushed to the way in meichuan CITIC Bank, a place of business. First time, people did not break open the door. Second visit, was asked to show household registration book. Mr. Wang is guilty of muttering, children have an identity card, residence booklet also why? Do debit cards are not credit card, the bank will not risk, ah!
bank's explanation is that adults and children to see relationships between the care, see if father and son relationship. Wang thought it was funny, staff added, if booklet does not work, the child's birth certificate is required. However, Wang is still difficult, because the hospital out of the birth certificate with names of the children are not (at that time not for the children to name), how can we see the relationship between the care it?
next door in China CITIC Bank Guangdong Development Bank, Mr. Wang agreed to two adults and children with ID cards to open an account directly, but the fee to be charged 5 yuan, Wang not. He told reporters, after he ran a lot of banks, anyway, is not a strict audit requirements, is the existence of fees and charges, can not find a bank neither booklet, birth certificate and other materials, the cost is free.
Press survey
account must provide proof of guardianship
for a child under 16 years of age to open an account issues, the reporter made a special trip before the survey. Sampled banks are: Industrial and Commercial Bank (601,398 shares of it, prices, information, the main trade), China Construction Bank (601,939 shares of it, prices, information, the main trading), Bank of China (601988 stock bar, market, information, the main trading), CITIC Bank, Guangdong Development Bank, Shanghai Pudong Development Bank (600,000 shares of it, prices, information, the main trading), Shanghai Bank, Huaxia Bank (600015 share it, and the prices, information, the main trading), China Merchants Bank (600036 stock bar, market, information, the main trading), the Agricultural Bank (601,288 shares of it, prices, information, the main trade), transportation Bank (601,328 shares of it, prices, information, the main trading), Minsheng Bank (600016 stock bar, market, information, the main trading), Postal Savings Bank, China Everbright Bank (601,818 shares bar, market, information, the main trading), Industrial Bank (601,166 shares of it, prices, information, the main trading) and Shenzhen Development Bank, 16 large and medium sized banks.
results show that China Everbright Bank, Huaxia Bank, Industrial Bank, Minsheng Bank, CITIC Bank and Shanghai Pudong Development Bank, six banks of three charges (nominal fee, annual fee and small account management fees) is free, as bank account is more suitable for children. The China Merchants Bank account management for a small fee free threshold up to 1 million daily average, as most bank accounts are not suitable for children.
account of this information is not necessary to open an account
As for the children information, the Industrial and Commercial Bank Sales Feng Zhuang Road, the most precise representation of the person concerned, and science. Namely: identification of guardians, guardianship can see the relevant certificates and documents such as children, such as household registration book, birth certificate, child card.
customer service business unskilled
interview, the reporter learned that many of the bank customer service representatives on matters relating to minors less familiar to open an account, or even kill someone at random journalist. If a plausibly Dahon's customer service staff, told reporters that the guardian is not mentioned here the concept of legal guardian, as long as an adult can give a child account, but when reporters rushed to the operating room of the line when he was told not to open an account .
another bank, a customer service officer told reporters that minors under 18 years of age can only be opened in the bank passbook, you can not open the hard card. But the bank's verified by another customer service representative, said after a minor under the age of 18 in the bank can either open a book, you can also do the hard card.
view of the relevant provisions of the People's Bank of China, there is no explicit relationship between a child custody account must provide proof requires only guardian with a child with two identity cards for children offers the possibility to open an account, the reporter in the Postal Savings Bank has successfully handled the business. However, at present most of the bank audit and compliance requirements to provide proof of guardianship.
reporter Commentary
bank account
first countries in the world have trained more than 1,000 educators CEO Paul said summer, to their children to become useful, it must From the time they started a small financial education. He even stressed: When the children grow up, do not be opening its first bank harbor unique feelings? Exclusive core competitiveness is not naturally formed it? Major banks want to open an account issues of child enough attention.
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