新规则迫使银行评估当地社区的现金获取情况

客户和小型企业将受益于 14 家银行推出的新规则。

Customers and small businesses will benefit from new rules being introduced across 14 banks.

客户和小型企业将受益于 14 家银行推出的新规则。

The Financial Conduct Authority (FCA) is introducing rules that will force banks and building societies to evaluate whether local communities have adequate access to cash services. If a community is found lacking, banks will be required to provide additional services, including branches and ATMs.

英国金融行为监管局 (FCA) 正在制定规则，迫使银行和建房互助协会评估当地社区是否有足够的机会获得现金服务。如果发现某个社区缺乏服务，银行将被要求提供额外服务，包括分行和自动取款机。

The new rules, effective from today (Wednesday September 18), will demand banks and building societies to respond to residents, local organisations, and other groups in a local community if they request an assessment to identify any gaps in local access to cash services.

新规定从今天（9 月 18 日星期三）起生效，如果居民、当地组织和当地社区的其他团体要求进行评估，以确定当地在获得现金服务方面存在任何差距，银行和建屋互助会必须对他们做出回应。

READ MORE: Expert shares ‘real concern’ as 292 high street bank branches set to close doors

阅读更多：专家对 292 家大街银行分行即将关闭表示“真正的担忧”

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点击查看《每日星报》的更多最新消息。

The FCA has confirmed that these gaps could be filled with various measures, including Post Office facilities. It will be the responsibility of the banks themselves to deliver any necessary additional services to bridge the gap.

FCA 已确认可以通过各种措施来填补这些缺口，包括邮局设施。银行本身有责任提供任何必要的额外服务来弥补这一差距。

The FCA's rules also state that there should be no unreasonable delays in providing solutions to gaps in cash services. If frequent violations of the rules are discovered, the FCA has stated it will use its powers to rectify them, reports the Express.

FCA 的规则还规定，在提供现金服务缺口解决方案时不应出现无理拖延。据《快报》报道，如果发现频繁违反规则的行为，FCA 已表示将利用其权力进行纠正。

In areas where there is only one bank branch, the rules will mandate them to establish a banking hub and ensure it is active and functional before closing the doors of that branch. This should help guarantee that no local community is left without cash services available through its bank or building society.

在只有一家银行分行的地区，规则将要求他们建立一个银行中心，并在关闭该分行之前确保其活跃和正常运转。这应该有助于确保当地社区不会无法通过银行或建房互助会获得现金服务。

Banking hubs, overseen by the Post Office, are shared centres providing a range of services usually found at local bank branches, including cashing cheques and withdrawing money.

由邮局监管的银行中心是共享中心，提供通常在当地银行分行提供的一系列服务，包括兑现支票和取款。

Here are the 14 banks that will need to adhere to the new rules:

以下是需要遵守新规则的 14 家银行：

FCA figures reveal that between June 2021 and June 2023, a staggering 1,358 banks and building society branches shut their doors. An additional 69 branches are set to close in September, with Halifax, Royal Bank of Scotland (RBS), Lloyds, NatWest and Barclays among those affected.

FCA 数据显示，2021 年 6 月至 2023 年 6 月期间，多达 1,358 家银行和建房互助会分支机构关门。另外 69 家分行将于 9 月关闭，其中哈利法克斯银行、苏格兰皇家银行 (RBS)、劳埃德银行、国民西敏寺银行和巴克莱银行都受到影响。

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如需了解来自《每日星报》的全球最新突发新闻和故事，请订阅我们的时事通讯。