为什么每次到银行存钱，柜员都要问你存多少钱？
这是银行的规矩，基本每个新员工进入银行之后，在培训的时候都会讲到这个问题，至于为什么要问这个问题呢？主要有以下三个原因：
保护自己
一般来说，大部分人到银行存钱之前肯定都会自己先点一遍，心里有个数，到柜台后，如果柜面没问多少钱，当柜员点的数量多于我们自己点的数量，大部分人不会说出来，但一旦柜员点的数量比我们之前自己点的少，很多人马上会说金额不对。所以如果没有提前问下，基本出错的受伤的都是柜员自己，而一旦出错，柜员只能自己赔钱。
减少纠纷
唱收唱付，还有一个重要的原因，就是减少纠纷，比如某人来银行存款时，存了2万元，当面并无异议，但是隔天却来柜面说昨天自己存的是三万元，柜员给他弄错了，这时候监控就很重要了，但是监控有一个问题，就是有时候由于设备老化原因又没及时更新，点钞机上的数字不够清晰或者有时候柜员不小心动过点钞机的位置，导致摄像头看不到点钞机上的数据，这时候录音就是关键因素，只要柜员当时有问你多少钱，你也明确回答了，那么就无争议了。
不要认为我是危言耸听，所有的银行规章制度都是现实中有遇到类似的情况才会提出相应的规则出来，“唱收唱付”这个规则就是现实中遇到上述情况，银行才会有相应的规则制度。
分流业务量
为了节约成本，提高工作效率，目前很多银行都大力推广自助机具，减少人员，降低人工成本；对于2万元以下的存取款，不少银行都要求让客户在柜员机上自助办理，而柜面主要处理复杂的业务，因此提前询问客户存多少钱，可以引导相应的人流到自助机具上办理业务，减少柜面的业务压力。
再者部分金额，比如存款超过5万元是需要提供身份证资料的，因此提前询问，一旦你的存款量过五万，而没携带身份证，那么就无需办理了，快速进行下一个，提高效率，否则傻傻的点完钞票却发现客户没携带身份证，那么做的都是无效工了。
总结
银行的每一项规章制度都是在现实操作做遇到相关的问题逐步提出完善的，每一样的存在即有其存在的合理性，“唱收唱付”只不过是众多制度中一项很普通的规定而已，没有什么大惊小怪的。
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