储蓄存款是大多数老百姓最常见也是最主要的理财方式,存款金额的期限与密码等资料信息一般只有存款人本人知道,而当存款人过世,如何取款就成了难题。目前,存款人死亡后的存款继承办理依据的是中国人民银行《关于执行〈储蓄管理条例〉的若干规定》和《关于查询、停止支付和没收个人在银行的存款以及存款人死亡后的存款过户或支付手续的联合通知》(以下简称《规定》、《通知》)的规定,即“存款人死亡后,合法继承人为证明自己的身份 Savings deposit is the most common and most important means of financial management for most people. The deposit and withdrawal information such as the duration and password of the deposit is generally only known to the depositor. When the depositor dies, how to withdraw funds becomes a problem. At present, the depositors ’succession of deposits following the death of the depositors is based on the ”Provisions of the People’s Bank of China on the Implementation of the Regulations on Savings Management“ and the ”Regulations on the Inquiry, Discontinuance of Payment and Confiscation of Individuals’ Deposits at Banks and Deposits after the Death of Depositors Or the joint notification of payment formalities “(hereinafter referred to as” the provisions “,” Notice “), that is,” the depositor’s death, the legal successor to prove his identity