新规：存款人死亡 存款怎么取？
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<span style="max-width: 100%;font-size: 15px;box-sizing: border-box !important;word-wrap: break-word !important;">存款人死亡后，其存款将会变成遗产由继承人继承。然而，现实生活中经常存在存款人死亡后，其继承人遗失存折或者不知道账户密码等情况，这个时候继承人要怎么做才能取出这笔遗产呢？</span>
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<span style="color: rgb(255, 102, 0);">中国银保监会办公厅司法部办公厅</span>
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<span style="color: rgb(255, 102, 0);">关于简化查询已故存款人存款相关事项的通知</span>
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<span style="color: rgb(255, 102, 0);">中国银行保险监督管理委员会</span>
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<span style="color: rgb(255, 102, 0);">银保监办发107号</span>
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各银保监局，各省、自治区、直辖市司法厅（局），新疆生产建设兵团司法局，各政策性银行、大型银行、股份制银行，邮储银行，外资银行，银行业协会：
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为进一步贯彻党中央、国务院关于减证便民、优化服务的部署要求，便利群众办理存款继承，根据《中华人民共和国商业银行法》《中华人民共和国公证法》《中华人民共和国继承法》等相关规定，现就简化查询已故亲属存款相关事宜通知如下：
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已故存款人的配偶、父母、子女凭已故存款人死亡证明、可表明亲属关系的文件（如居民户口簿、结婚证、出生证明等）以及本人有效身份证件，公证遗嘱指定的继承人或受遗赠人凭已故存款人死亡证明、公证遗嘱及本人有效身份证件，可单独或共同向存款所在银行业金融机构提交书面申请，办理存款查询业务。
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