1993年，在中国银行(601988,股吧)苏州分行营业部内设立了苏州最早的一台ATM机，而如今，来自人民银行苏州市中心支行的统计显示，至去年底，苏州各大银行设立的ATM机总量已达到7829台。

1993 years，In the bank of China(601988,Shares it)Suzhou branch sales department set up the earliest suzhou within a ATM machine，And now，From the people's bank of suzhou city central subbranch of statistics show，To end，Suzhou each big bank established total ATM machine has reached 7829 units。

　　如果说，电子银行业务的快速发展改变了银行以柜面服务方式为主的经营模式，ATM机的广覆盖，则让老百姓直接感受到了电子银行自助服务的便利与快捷。而如今，ATM机正在变得更安全、更聪明。

if，The rapid development of electronic banking business the bank teller services to change the way the management mode of mainly，ATM machine of universal coverage，Is so that people feel directly to electronic banking self-help service convenience and fast。And now，ATM machines are more secure、More intelligent。

存取款有了独立防护舱 Different with an independent protection class

　　在建设银行(601939,股吧)苏州分行营业部，你可以看到这里的ATM机拥有着独立的“小单间”，进入这个封闭独立的操作空间存钱或取钱，就会从内侧把门反锁，操作过程中不用担心是否会有人暗中窥探甚至动手袭击。这个“小单间”就是根据市公安局制定的新标准而设立的自助银行安全防护舱，如今凡是新建、改建的自助银行必须安装安全防护舱，并纳入金融营业场所开业审批范围。

In the construction bank(601939,Shares it)Suzhou branch sales department，You can see the ATM machine here have independent“The cell”，Into this closed independent operation space saving or take money，Lock the door from the inside，In the process of operation don't have to worry about whether someone will even begin to spy on attacks。the“The cell”The municipal public security bureau is formulated according to the new standard and the establishment of self-help bank security protection class，Now all new、Reconstruction of the self-service bank must be installed safety protective capsule，And into the financial business premises opening scope for examination and approval。

　　目前，各家银行都在加紧改造，其中，工、农、中、建、交行等由于ATM机数量较多，改造工程计划在明年年底前全面完成，其他银行则在今年年内就要完成改造。以苏州建行为例，该行在全市共有自助服务区176个，已完成防护舱安装12处，对42个自助设备取款客户实施了保护措施，至今年年底建行还将对75个自助服务区近240台自助设备安装安全防护舱，到2013年年底完成对全辖自助服务安全防护舱的安装，为此该行投入资金达600万元。

At present，The Banks are stepping up reform，Among them，work、agriculture、in、built、As a result of ATM machine in quantity，Reconstruction project plan before the end of next year completed，Other Banks are in this year will complete reform。In suzhou CCB for example，The bank of self-service area in the city in 176，Already complete protection tank installation 12 place，42 self-help equipment to withdraw the protective measures implementation of customer，To the end of this year will be to the construction bank 75 self-service area nearly 240 self-help equipment installation safety protective capsule，By the end of 2013 to the finish and safety protection of self-service tank installation，Therefore the bank investment of 6 million yuan。

　　据了解，按照公安部门要求，ATM机安全防护舱高度不低于1.8米，舱体框架结构坚固，与墙体、地面牢固连接，具有防暴力破坏能力。舱体使用的透明材料部分用半透明贴膜遮挡，保证客户使用自助设备时，其他人员看不到其操作过程。舱门四周采用金属材料包裹，内侧加装锁具，当客户使用自助设备时，可由内部锁闭。同时，整个防护舱仍处于电视监控视线内，确保远程监控中心能基本看清客户在装置内的活动情况，舱内还设有与监控中心相连的紧急救助按钮。“为自助银行的自助设备加装实体防护装置，为储户提供一个封闭独立的操作空间，确实能够有效防范抢劫案件的发生，保护储户存取款时的人身和资金安全。”中国银行苏州分行相关负责人告诉记者，目前，该行需要改造加装防护舱的ATM机有240多台，正在积极实施中，而新开网点则是直接装上“防护舱版ATM机”了。

According to understand，Public security departments in accordance with the requirements，ATM machine safety protective tank height not less than 1.8 m，CangTi frame structure strong，And wall body、Ground strong connection，The violence has destroyed ability。CangTi use transparent material part use translucent skin keep out，Ensure that customers to use self-service equipment，Other researchers can't see the operation process。Around the doors metal material package，Inside the locks，When customers to use self-service equipment，Can only from the inside。At the same time，The whole protection class still in TV monitoring sight，Ensure remote monitoring center can see customers in the basic activity in the device，The cabin is equipped with the monitoring center connected emergency relief button。“For self-service banking self-help equipment of the entity protection device，For savers the a closed independent operation space，Really can effectively prevent the happening of the robbery，Protection of personal and deposit and savers money safe。”The bank of China suzhou branch responsible told reporters，At present，The bank needs to reform the tank protection ATM machine has more than 240 sets，Are actively implementing，And a new network is direct put on“Protective tank edition ATM machine”the。

取款遇假钞可查“DNA” Withdrawals counterfeit money can be checked in“DNA”

　　在ATM机上取到假钞怎么办？过去，要证明自己确实从某银行的某一台ATM机上取到了假钞确实有点难度，首先你得取出现钞、在机器边上就发现问题，其次，你得有ATM机自带的监控设备录像为证，要一直站在探头下，用手机通知银行人员到场见证等等，如果等到使用时发现是假钞，再去找银行，那么现金离柜就很难举证了。

In an ATM machine to get a counterfeit money？In the past，To prove that they did a bank from a a ATM machine to do a little difficulty take counterfeit money，First you have to take out the money、The machine is found on the problem，second，You must have the ATM machine to own monitoring equipment for video card，Want to had been standing in the probe，Mobile phones with bank staff to witness, and so on，If that is a counterfeit money until use，To find the bank，So from the ark will be very difficult to cash the burden。

　　如今，这个问题通过冠字号码记录设备的投用得到解决。记者在人民银行苏州市中心支行了解到，从今年4月至6月底，全市各大银行都安装了冠字号码记录设备，通过这个设备，每张从银行流向社会的人民币的冠字号码都被记录下来，也让假钞追溯成为可能。其中，像农业银行(601288,股吧)苏州分行专项投入2300多万元为全部网点配备了能记录钞票冠字号码的小型清分机，率先实现了所有网点对外支付现金均记录冠字号码。

now，The problem with champions league word number recording device putting-in-service proactively solved。Reporter in people's bank branch of suzhou city center to know，From April to this year to the end of June，The Banks have installed the champions league word number record equipment，Through the equipment，Each of the society from the bank to flow to the champions league word number all the yuan is recorded，Also let a counterfeit money back as possible。Among them，Like agricultural bank(601288,Shares it)Suzhou branch special invested more than 2300 yuan for all network equipped with to record money small clear crown word number extension，Take the lead to achieve the all foreign cash payment records are outlets crown word number。

　　人民币纸币上的冠字号码有点类似人体的“DNA”，“冠字”就是印在纸币上用来标记印刷批次的两个或三个字母，由印钞厂按一定规律编排和印刷。“号码”则是指印在冠字后面的阿拉伯数字流水号，用来标明每张钞票在同冠字批次中的排列顺序。“我们的专业部门在对ATM机投放现钞前，会先进行清分，一方面去除破损钞等，另一方面就会通过专业设备记录、存储下每一张钱币的冠字号码，这样，如果有客户投诉在我们的ATM机上取到了假钞，只要把这个假钞的冠字号码拿来一查询就可以了。”中国银行苏州分行相关负责人介绍说。

RMB notes crown word number of the human body is a bit similar“DNA”，“Crown word”Is printed on the notes used to mark printing batches of the two or three letters，By YinChaoChang according to certain rules layout and printing。“number”It is in the champions league behind the word finger print the Arabic numeral sequence number，Used to indicate the bill with champions league in each batch sequences of words。“Our professional department of ATM machine on the cash in front，Will go to the distribution，On the one hand to remove damaged bills, etc，On the other hand will through professional equipment records、Every one of the storage coin crown word number，this，If a customer complaint in our ATM machine get a counterfeit money，As long as the counterfeit money coronary word number took a query。”The bank of China suzhou branch relevant controller introduces said。

　　记者昨天在建设银行苏州分行还了解到，目前该行不仅实现了对在自助设备上成功存入、取出的人民币钞票冠字号码的记录，还把服务进一步升级，客户可自行打印交易钞票冠字号码，留存相应的信息，目前，该行已有36台存取款一体机推广ATM取款有钞票号码追踪凭条功能。

Reporter yesterday in the construction bank branch of suzhou also know that，At present the bank not only realize in self-service equipment to deposit in success、The money out of the champions league record of word number，The service also further upgrade，Customers can print money on its own trade crown word number，Retained the corresponding information，At present，The bank has a different body 36 promotion ATM withdrawals have money number track slip function。

提高单笔取款上限 Improve the single pen cap on withdrawals

　　近日，工商银行(601398,股吧)苏州分行正式提高了ATM机的单笔取款上限，其中，自动取款机的单笔取款上限从原来的2500元提高到3000元，存取款一体机的单笔取款上限从之前的2500元提高到5000元。而从其他各家银行看，近期虽未调整，但单笔取款的上限可谓各有不同，像中国银行自动取款机的单笔取款上限为2500元，存取款一体机的单笔取款上限为1万元；中信银行(601998,股吧)自动取款机的单笔取款上限有2500元、2000元等，存取款一体机的单笔取款上限为3000元；招商银行(600036,股吧)自动取款机的单笔取款上限为3000元，存取款一体机的单笔取款上限为1万元。“单笔取款的多少主要还是受设备硬件条件的限制。”有银行业内人士告诉记者，像目前的取款机出钞口，最多能一次取出3000元，限制了单笔取款的数额，而存取款一体机就比较支持提高单笔取现限额。随着存取款一体机等设备投入的增加、市民高额取现的需求增加，提高单笔取款上限应该是个趋势，能够引导更多存取款客户通过自助设备办理业务，减少此类简单业务对柜面资源的占用，缓解网点排队问题。来自工商银行的统计显示，2011年，客户通过工商银行自动柜员机办理的现金存取业务笔数超过了在柜面办理的同类业务笔数，自动柜员机已成为各类现金业务的主渠道。

recently，Industry and commerce bank(601398,Shares it)Suzhou branch official raised the ATM machine single pen cap on withdrawals，Among them，An ATM withdrawal from single pen cap of the original 2500 increase to 3000 yuan，Deposit or withdraw money pen cap the single body from the 2500 yuan before increased to 5000 yuan。And from other Banks look，Recently though not adjust，But the single pen of the upper limit of withdrawal is different from each other，As China ATM withdrawal of single pen cap for 2500 yuan，Deposit or withdraw money single pen cap an integral whole machine for 10000 yuan；Citic bank(601998,Shares it)An ATM withdrawal single pen cap have 2500 yuan、2000 yuan, etc，Deposit or withdraw money single pen cap an integral whole machine for 3000 yuan；China merchants bank(600036,Shares it)An ATM single pen withdrawals upper limit of 3000 yuan，Deposit or withdraw money single pen cap an integral whole machine for 10000 yuan。“How many main of single pen withdrawals by equipment hardware conditions or restrictions。”A bank insiders told reporters，Like current ATM out bank note mouth，At most a withdraw 3000 yuan，Limit the amount of single pen withdrawals，And different all-in-one PC is more support improving single pen cash withdrawal limit。With different body equipment such as the increase of the input、People take high increase in demand，Improve the single pen cap is a trend should withdraw，Able to lead more different customers through the self-help equipment for business，Reduce such simple business dealings to the occupation of the resource，Ease network queuing problems。From the industry and commerce bank's statistics show，2011 years，Customers through the industry and commerce bank automatic teller machines for cash access business for more than pen in the same kind of business dealings with pen number，Automatic teller machines has become the main channel of of all kinds of cash transactions。

　　对于经常跨行取款的市民来说，单笔取款上限上调也是个利好消息，不仅节约了时间，而且手续费降低了不少。目前，多数银行的借记卡同城跨行取款手续费为每笔2元至4元，取1万元是1笔完成还是分4笔完成，手续费的差别就不少。

To often an inter-bank withdrawals for citizens，Single pen withdrawals cap raised is also a good news，Not only saves time，And a lot of lower fees。At present，Most bank debit card fees for each city an inter-bank withdrawals pen $2 to $4，Take 10000 yuan is 1 pen complete or points, four pen completed，That's the difference between a lot of charges。