I will. However, it needs to be clear that it is not the kind of surveillance that we imagined. Generally speaking, there are only two purposes for banks to supervise funds: marketing and risk control. Banks have begun to monitor the large amount of funds of residents. In the second half of 2020, pilot projects have been carried out in Hebei, Shenzhen and Zhejiang. Personal accounts are 65,438+10,000, 200,000 and 300,000 respectively, and the expenses will be registered in detail, and the cash deposit and withdrawal requirements are consistent with the transfer.

Every registered capital should be traceable. This is also an appropriate supplement to crack down on crime, prevent capital flight and prevent the risk of bank run. Different from the past, no matter how you withdraw money or transfer money, the bank will not impose restrictions. At most, it can give a warm reminder to middle-aged and elderly customers to confirm that the payee is not a liar. Therefore, it is a trend to monitor the flow of a large number of personal funds. The attitude is clear and the means are direct. I think we can't just consider privacy protection and information disclosure, because the implementation of many financial policies is bound to protect people's property safety and maintain national financial stability.

Personal consumption loans must be used for loan purposes. If it is a commercial loan, it is generally necessary to pay it back first, and the requirements are relatively strict. In the current economic downturn, it is normal for banks to be strict. The bank will conduct a follow-up investigation according to the purpose and the current economic situation, and whether to implement it. Prevent escape. The punishment depends on the contract. Generally, you only need to repay on time when it is due.