国家金融监督管理总局、中国人民银行有关司局负责人就《关于优化已故存款人小额存款提取有关要求的通知》答记者问(5)
<SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">金融监管总局、中国人民银行鼓励银行通过合同约定等方式，与存款人提前约定其去世后存款继承、交易明细查询等事宜。</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px"><o:p style="BOX-SIZING: border-box"></o:p></SPAN></P>
<SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 黑体; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px"><FONT style="BOX-SIZING: border-box" face=黑体>四、</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 黑体; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px"><FONT style="BOX-SIZING: border-box" face=黑体>《通知》</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 黑体; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px"><FONT style="BOX-SIZING: border-box" face=黑体>简化丧葬费、抚恤金的提取是出于哪些考虑？</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 黑体; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px"><o:p style="BOX-SIZING: border-box"></o:p></SPAN></P>
<SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">答：现实中，存在已故存款人账户汇入</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">丧葬费、抚恤金的情形。此前没有关于丧葬费、抚恤金提取的明确规定。考虑到丧葬费、抚恤金在性质上与已故存款人生前存款不同，为便利群众，《通知》明确</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">丧葬费</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">、抚恤金不计入</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">5万元账户</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">限额，可以全额</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">简化提取。申请人可以通过适当方式，表明账户中资金属于丧葬费、抚恤金。银行通过核查交易信息和资金来源、申请人签署承诺书等方式确认资金性质，在保障资金安全的前提下，办理简化提取。</SPAN></P>

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