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不超过5万元无需公证 已故存款人小额存款提取更便利_我的网站

恶作剧之吻

一 |     

Francesco Faiola
    Francesco Faiola
Editor's Note:
Ahead of the opening of the 2026 World AI Conference and High-Level Meeting on Global AI Governance, Chinese AI start-up Moonshot AI released its Kimi K3 large language model. As the world's largest open-source model by parameter count to date, this launch marks a significant step forward in the development of China's artificial intelligence models.
From the C919 airliner soaring into the skies to Unitree's humanoid robots stealing the show; from DeepSeek pushing the AI frontier to Moonshot AI's landmark unveiling of Kimi K3 - China's wave of homegrown innovations has dominated global headlines in recent years, delivering a steady stream of breakthroughs.
At a meeting in Beijing that brought together the national science and technology award conference, the general assemblies of the members of the Chinese Academy of Sciences (CAS) and the Chinese Academy of Engineering (CAE), and the 11th national congress of the China Association for Science and Technology in July, Chinese President Xi Jinping, also general secretary of the Communist Party of China (CPC) Central Committee and chairman of the Central Military Commission, stressed that the 15th Five-Year Plan period (2026-2030) is a critical phase for tackling tough challenges in building up the country's strength in science and technology.
"We must seize the historic opportunity, rise to the challenges of the times, accelerate efforts to achieve high-level self-reliance and strength in science and technology, and make steady progress toward the 2035 goal of becoming a leading country in science and technology," he said.
In the article "Strive for Greater Strength and Self-Reliance in Science and Technology" included in the fourth volume of Xi Jinping: The Governance of China, Xi pointed out, "Through years of endeavor, our country's overall strength in science and technology has improved substantially. We therefore have a solid foundation, and are fully confident in our ability to seize the opportunities offered by the new revolution in science, technology and industry to achieve greater results." The article also mentioned that "We should participate to the full in global science and technology governance, contribute Chinese wisdom, and shape a philosophy of technology for good purposes, so that science and technology better serve human wellbeing, and enable China's science and technology industry to contribute more to building a global community of shared future."
In the 27th installment of the special series "Decoding the Book Xi Jinping: The Governance of China," the Global Times, along with the People's Daily Overseas Edition, continues to invite Chinese and foreign scholars, translators of Xi's works, practitioners with firsthand experience, and international readers to focus on the theme of striving for greater strength and self-reliance in science and technology. Together, they share views on China's tech growth, governance principles, and global cooperation in science and technology.
In the 27th article of the "Readers' Reflections" column, Global Times (GT) talked to Francesco Faiola (Faiola), an Italian professor at the Research Center for Eco-Environmental Sciences with Chinese Academy of Sciences and recipient of the Chinese Government Friendship Award.
GT: Chinese President Xi Jinping delivered a keynote speech at the opening ceremony of the 2026 World AI Conference and High-Level Meeting on Global AI Governance on July 17. He said that as a responsible major country, China is always committed to providing international public goods relating to AI. In the article "Boost Basic Research and Achieve Greater Strength and Self-Reliance in Science and Technology" included in the fifth volume of Xi Jinping: The Governance of China, Xi said, "It is important that we adopt a more open-minded approach to international exchange and cooperation in research to create an open, globally competitive innovation ecosystem." Amid the current complex global landscape, China remains firmly committed to keeping its doors open to international scientific collaboration. In your view, where does China's confidence in this commitment come from?
Faiola: I think China's confidence in staying open comes from a deep shift in mindset. The Chinese people, especially the scientific community, now really believe they are not inferior to Westerners. For a long time, even many people here thought top science had to happen at a Western address. When I first came, I believed that too. The US and Europe seemed like the only serious places for breakthroughs. Now that idea is changing, and moving toward China, because the evidence of leadership is everywhere: stem cell standards, artificial intelligence (AI) efficiency, green manufacturing. It's undeniable. China knows it has everything needed to attract and keep international talent. It's no longer a developing country playing catch up. It's a place that's helping set the global agenda.
That self-assurance is the bedrock of openness. When you truly believe you have unique strengths, like a huge organoid screening capability or a community of scientists who think deeply, you don't fear open doors. You want colleagues from everywhere to walk through so the science moves faster. My own lab works with European centers as equals. That parity is real. But we also know not everyone abroad gets this transformation yet. A lot of people still imagine Chinese science as just following others. That's exactly why China is pushing openness harder: funding lines for foreign principal investigators, open innovation hubs in Beijing, active participation in setting international standards. These aren't defensive moves. They're proof of a country confident enough to invite the world in, show what it can do, and create knowledge together.
On a deeper level, the confidence is also just rational. The big challenges - environmental problem, pandemic preparedness and precision medicine - are global. If China closed itself off, the data and validation its own regulators need would get weaker. So, the open door isn't charity. It's the smart recognition that scientific greatness today gets multiplied when you share it.
GT: In the article "Strive for Greater Strength and Self-Reliance in Science and Technology" included in the fourth volume of Xi Jinping: The Governance of China, Xi pointed out, "Through years of endeavor, our country's overall strength in science and technology has improved substantially. We therefore have a solid foundation, and are fully confident in our ability to seize the opportunities offered by the new revolution in science, technology and industry to achieve greater results." From the domestically built large passenger jet to DeepSeek, Unitree Robotics, and Moonshot AI's Kimi K3, China's innovation achievements have been making headlines. How do you assess China's achievements in sci-tech innovation in recent years? 

Faiola: I measure China's innovation success in a very personal way. My parents are old, living in a small Italian town. They don't speak English. They don't understand molecular biology. They can't read a scientific paper. But over the past few years, they've called me up more than once, excited, telling me about a Chinese airplane or a humanoid robot or some AI breakthrough they saw on Italy's main TV news or in the newspapers.
That tells me something deep. These aren't niche stories for tech insiders. They are real global news, landing in the living rooms of retirees who barely use a smartphone. I'm not bragging to them about China's progress. They are telling me. When achievements get that far into everyday European life, it's a sign China is doing something the world finds worth talking about.
The C919 plane, DeepSeek, Unitree Robotics - these aren't one-off hits. They prove China can now conceive, design, and build complex, original systems on its own, whether it's an airliner, an advanced AI model, or an agile robot. That takes deep integration across different fields, aerodynamics, materials, real time control, and AI.
DeepSeek's whole philosophy, doing more with less, is exactly how we created affordable organoid screening tools. And the quiet shift from rule taker to rule maker in chemical safety standards, that mirrors the C919's ambition to compete globally on certification. All this shows China is blending manufacturing, digital smarts, and biology into one force. But my real proof is what I hear from my students. They don't just apply discoveries from papers anymore. They question the assumptions behind them. That intellectual confidence, and the fact it echoes all the way back to a small Italian town, is why I'm sure China will fully seize this moment.
GT: President Xi said that AI development should not be a solo performance by a single country, but a symphony of international cooperation. Having conducted research in China for many years, you are not only a witness but also a driving force behind China-Europe scientific exchanges. Looking ahead, how can both sides deepen complementary advantages and achieve mutually beneficial empowerment to jointly address global challenges such as climate change and health? Over the next five years, which specific sectors should China-Europe science and technology collaboration prioritize?
Faiola: I grew up in Italy and now I lead a lab in Beijing while working with colleagues all over Europe. So, China-Europe teamwork isn't some abstract idea to me. It's how my week actually looks. The old cliché, European basic research plus Chinese scale and speed, is already outdated. Both sides now generate novel insights. The relationship has to become genuine two-way cocreation.
I see three practical things that would deepen it. First, we need truly joint funding: one grant, one integrated team, maybe a Max Planck group and a Chinese Academy of Sciences group, with a single scientific plan and students who genuinely rotate between the labs. Second, we need to harmonize regulations and ethics for organoid technologies. Europe has advanced thinking on governance. China has manufacturing scale and the drive to get things into clinics. If we co-develop shared quality and ethical standards for organoid testing, we basically set the global benchmark. A liver organoid made in Europe could then be used directly for a toxicity screen in China without repeating all the validation. Third, we need deliberate talent circulation, not a zero-sum competition. Joint PhD programs where a student naturally moves between continents.
The science doesn't care about borders. If we build the shared tools now, China and Europe can show the world a model where shared knowledge beats division.
GT: Recently, some Western media and think tanks are peddling "China Shock 2.0," claiming that China is achieving fast development in high-tech sectors such as renewable energy and AI and relies on foreign markets to absorb its overcapacity, thus reducing the market share of developed countries and sending more serious shock waves to the global economy compared with the era of traditional manufacture industry. What's your comment on this? In your view, does this represent a new pretext for Western protectionism, or is it an unavoidable external misunderstanding amid China's industrial upgrading?

Faiola: I'm a bench scientist, not a political analyst. I stick to what I can see and measure in my own work. So, I'm not going to guess what the media or think tanks intend. I'll just tell you what the facts show me, and from my lab, the "China Shock 2.0" story just doesn't match up.
In my field of stem cell toxicology, the world is desperate for human relevant safety tests to replace animal testing. Tens of thousands of chemicals still don't have proper hazard data. When Chinese labs turn out high throughput organoid platforms at a fraction of the old cost, that's not dumping "overcapacity" into a full market. It's filling a huge shortage. A researcher in Brazil or Kenya suddenly gets access to a toxicity screen that never existed for them before. Demand is skyrocketing, not standing still. Meeting that demand is a service, not a shock.
With AI, it's the same pattern. DeepSeek's efficiency makes it cheaper and easier for biomedical researchers around the world to use these tools. It's helping create new markets, not stealing a fixed pie. Sure, any big shift causes some dislocation. The answer to that is domestic support and transition policies, not blocking technologies that help solve planetary problems.
。    人民网北京4月27日电 (记者杜燕飞)为提升存款继承便利度,便利群众办理小额存款继承,近日,国家金融监督管理总局、中国人民银行联合发布《关于优化已故存款人小额存款提取有关要求的通知》(以下简称《通知》),自今年6月1日起正式实施。长期以来,根据相关文件规定,继承人提取已故亲属存款,须提交由公证机构出具的继承公证书,银行凭此公证书办理过户或支付手续费。

二 | 2021年1月,原银保监会、中国人民银行联合印发《关于简化提取已故存款人小额存款相关事宜的通知》(以下简称18号文),取消了第一顺序继承人、公证遗嘱指定的继承人或受遗赠人提取已故存款人1万元以内存款的公证要求,并允许银行在1万元至5万元之间上调限额。国家金融监督管理总局、中国人民银行有关司局负责人表示,18号文出台以来,小额存款提取效率明显提高,群众负担切实减轻。同时,从多渠道了解到,存款继承和小额存款提取业务中还存在一些有待完善和明确的问题。为此,《通知》对18号文进行了优化,将简化提取的账户限额由最低1万元统一提高至5万元。考虑地区和机构差异,允许农村中小银行延后至2025年底达到该要求。能够简化提取的不仅仅只是存款。《通知》扩大了简化提取范围,将已故存款人的黄金积存产品以及国债、代销理财产品纳入简化提取范围。

三 | 《通知》要求,对小额存款提取业务中常见的申请人提交的材料不齐全或不符合要求等情况,银行要一次性告知申请人相关要求。值得注意的是,《通知》明确,银行可以应第一顺序继承人要求,提供已故存款人死亡后以及死亡前6个月内的账户交易明细。对此,上述负责人表示,已故存款人银行账户交易明细记载着已故存款人生前的部分个人信息,并且可能涉及个人隐私,应当谨慎对待。但在现实中,也存在继承人在特定情形下查询已故存款人生前交易明细的合理需求。继承人合法、正当的查询需求应当得到满足。“为兼顾个人信息保护和继承人查询需求,依据《民法典》《个人信息保护法》等法律规定,经征求多方意见,我们在《通知》中明确了查询账户交易明细有关要求,以满足特定情形下的查询需求。为避免非必要、无限制查询,保护已故存款人个人信息和隐私权,《通知》对查询申请人和查询时限等作出规定。”上述负责人表示。此外,《通知》还明确丧葬费、抚恤金不计入5万元账户限额,可以全额简化提取。

四 | 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。

五 | 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。现实中,存在已故存款人账户汇入丧葬费、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》明确丧葬费、抚恤金不计入5万元账户限额,可以全额简化提取。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。”上述负责人表示,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。

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Published on:06:54:10


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