Chapter 31 Will you go to the bank to "withdraw money"?

Going to the bank to withdraw money is not a problem for adults, especially in a society where culture is widespread. The reason why I want to make such a naive assumption here is not that people in the mainland enter the bank and get a number. Wait in the queue, hand in the passbook at the window, and then explain your request to the salesperson, deposit money, withdraw money, and leave when you're done.What I want to talk about here is actually the banking services in Hong Kong. When I first arrived in Hong Kong in September 2004, I was taken to the bank on the second day to handle a series of personal business. These "personal business" included the need to immediately set up a passbook and set up a salary input account. Immediately afterwards, the salesperson would Do you want to apply for an ATM card or a personal consumption credit card?At that time, I didn't know how important it was for a person to live in a bank in Hong Kong. I just felt that there were not many bank staff in Hong Kong, and the venue was not big, but the environment was very clean and quiet, and the attitude of the salesperson was different from that in the mainland. It's different, there is no "tell me, what do you want to do, hurry up" flat face, but a smiley smile, kind like your own sister, at least the salesperson who received me that day arranged for me first She sat down at a table opposite her, and then slowly explained the big and small things——

There are so many banks in Hong Kong that you can find one within a few steps on the street, and the varieties involve Hong Kong-funded, Chinese-funded and foreign-funded banks, giving people enough choices and room for application.I later learned that Hong Kong people don’t actually carry much cash with them when they go out. On the contrary, various “credit cards” always stick everyone’s wallets hard.The first time I "swiped my card", I felt very good, because the store I wanted to buy was not very big, it was just a small street shop. I asked the boss if it was okay to "swipe my card"?The boss said: "Okay, of course!" A "Of course" filled the world with freedom.But when I used the "ATM card" for the first time, my embarrassment came along with not knowing the depth, which made me very embarrassed.

Every bank in Hong Kong will put up a lot of ATMs outside the door or on the street, which is what we call ATMs in the Mainland. These ATMs look similar to those in the Mainland, but there is an important difference in use. Just in the way of withdrawing money.For example, in the mainland, if I want to withdraw money, I insert the card into the machine, enter the password, select the amount of cash to be withdrawn, and then just wait at the "bank outlet" to get the money; Hong Kong is not right, and "accidents" are about to happen.The first time I used it, I didn't know this "difference". I had already completed the previous procedures, and I was guarding the "outlet". I even reached out and waited to receive the money. out.I went in without knowing it, and suddenly there was a swiping sound, and when I looked up, the card was gone, and I was slowly shrinking into the machine.What do you call this?I hurriedly found a salesperson (fortunately, I was in a bank that day, it would be bad if I used an ATM on the street), and when they heard it: "Ah, the card was swallowed by the machine?" I was so angry that I quickly controlled myself and comforted me: "Oh, I'm sorry, it's okay." I said, "I'm sorry? What can you do to me? But it's okay? How can it have nothing to do with me when something like this happens?" Cai patiently explained to me: "The ATMs in Hong Kong are different from those in your mainland. We have to withdraw the card first, and then withdraw the money. Otherwise, the money will never come out. But this is purely for the safety of customers, so that customers don't just focus on taking money. , Counting money, the people behind, if someone has bad intentions and snatches your card away, it will be even more troublesome."

"Will it?" I was stuck there, already helpless. "Prevent danger before it happens!" "But where's my money?" Slowly recovering, I immediately realized, "I've already entered the money just now." The salesman said, "The money can't go away, the machine has automatically returned it." I was dubious , She saw that I didn’t believe it, and said, “You don’t believe me? Have you brought your passbook?” I said I did (it happened to be in my bag that day), and the other party helped me enter the passbook into another inquiry machine next to the teller machine. Sure enough, in less than two seconds, there was a line in my passbook that had been paid at a certain time of the day?Calamus?Calamus?Calamus?Changyuan's record, and then it shows that a line has been re-deposited?Calamus?Calamus?Calamus?Changyuan's record——

The small teller machine also has "human nature", as if there is a waiter standing behind the iron box that cannot speak at any time.In the face of possible thieves, the teller machine is neither humble nor overbearing, but the thief wants to find an opportunity to attack?It won't work. However, that card was swallowed by the machine, no, the "protected" card, the salesperson told me that it would be sent back to my residence in four working days.Sure enough, after waiting for four days, my card was completely returned to Zhao. Once upon a time, I saw such an absurd thing in a certain TV program of CCTV. A young man with a "bad heart" saw that there was no one around at night, and held up a hammer to a TV station in the Mainland. The bank's teller machine was smashed desperately, and after a lot of effort, he finally knocked a big hole in the gray screen, and the "bad heart" put his hand in and began to take money out of it...

I am ashamed to imitate Hong Kong people on this matter. If I learn, they will not only laugh, but also wonder: "Why? What happens in the Mainland? The machine doesn't call the police? Was there no surveillance video at the scene?" I thought there was surveillance video, if not, the audience would not be able to see the thief's "feat" at that time. The original purpose of banks to set up "teller machines" is from the perspective of "humanity". Once it is put in the eyes of robbers, it will immediately change its taste and become a world where they indulge and evil, and there is a lot to do.Does human thought and warmth have to wait for the times?Waiting for a society to generally form civilization and self-discipline?Otherwise, it may ruin the heart of a bodhisattva?

Between Hong Kong and the mainland, what the latter needs to learn from the former may not be how to quickly build up humanized facilities and spread humanized skills, but to first open up wasteland and develop a conditional humanized platform come out? I went through one thing, thought about it for a day, and finally came to this conclusion, and my heart was heavy.