htmlOn June 20, a video of depositors negotiating with bank staff due to a bank card limit of 1,000 yuan was circulated on the Internet. Faced with the doubts of depositors, the bank staff explained that this was automatically set by the system. According to the information disclosed in the video, the depositor works in Shenzhen, has real estate in " Jiujiang ", and lives here. Some netizens pointed out that this incident occurred in Jiujiang Town, Nanhai District, Foshan City, Guangdong Province. On June 21, staff from the Nanhai Jiangbin Branch of the Agricultural Bank of China, Jiujiang Town, Nanhai District, Foshan City responded to the media that they had paid attention to the videos circulating online. Previously, all banks cooperated with the public security organs to crack down on telecommunications fraud in accordance with the requirements of the regulatory authorities and designed data models to prevent telecommunications fraud . The data model matches the quota based on the account historical transaction habits under the customer's name. The same thing has happened to other customers, and it is not just , Agricultural Bank of China . If a bank card that customers have not used for a long time, they may find that there is a limit requirement for payment without a card.
Agricultural Bank is fully committed to preventing and controlling telecommunications network fraud
The staff explained that the bank card of the customer in the video is not the limit on the day, which shows that this bank card is not commonly used. In this case, if the customer urgently needs money, he can handle it at the counter with his card. If a customer finds that the bank card is restricted, he can go to the counter to provide relevant supporting documents to apply for the increase.
Beijing Youth Daily reporter called Agricultural Bank of China customer phone number 95599 and heard a message from a smart voice assistant, "If you have suddenly experienced abnormal use of a bank card or have been blocked in transactions recently, please say 'Debit card abnormal'." After the reporter said "Debit card abnormal", he heard a voice broadcast: "In order to effectively ensure the safety of customers' card use and funds, our bank is fully carrying out telecommunications network fraud prevention Governance work, if your bank card suddenly has abnormal use or transaction restrictions recently, please bring your bank card and valid ID to the nearest outlet to verify the specific reasons and solutions for the restriction. Thank you for your cooperation."
Many banks have issued announcements to reduce the non-counter business limit for some individual customers
According to a reporter from Beijing Youth Daily, it is not new to the restriction of personal accounts for transactions for various reasons, and it is not only in the Agricultural Bank of China. In recent years, netizens have "titled" that their bank accounts have been suddenly restricted, and the banks involved include not only large state-owned banks but also local banks.
Some people said that accounts that can be transferred for hundreds of thousands of yuan can only be transferred at most 5,000 yuan; some netizens’ bank cards exceed 1,000 yuan, and they are not allowed to transfer or pay; some people’s credit cards are suspended, and the bank requires a formal VAT invoice to recover; some people use long-term idle bank cards to recharge their mobile phones, but found that 20 yuan exceeds the limit...
Although the account restrictions vary, these customers will be informed by the bank that there are abnormal transactions in the account. In order to prevent telecommunications fraud and protect the safety of customers’ funds, relevant restrictions have been taken.
Many banks have also issued announcements to lower the non-counter transaction limit for some individual customers.
Fujian Strait Bank For RMB personal current settlement accounts with an average daily balance of less than 1,000 yuan in 2021 and an account opening date is from July 1, 2020, non-counter transfers within the adjusted scope will be handled according to the adjusted transfer limit. Online banking + mobile banking channel: the daily cumulative limit is 4,000 yuan, and the annual cumulative limit is 1.2 million yuan. Third-party channels WeChat, Alipay : the daily cumulative limit is 1,000 yuan each.
On April 2 this year, the Agricultural Bank of China issued an "Announcement on Lowering the Transaction Limit of Online Financial Channels for Some Customers". The announcement stated that "Telecom Internet fraud has occurred frequently recently. In order to ensure the security of customer accounts and funds and implement regulatory regulations, our bank will gradually adjust the transfer limits of personal online banking and palm banking for some customers."
Pu Development Bank Hangzhou Branch, Chengdu Branch, Changsha Branch and Fuzhou Branch have also issued relevant announcements this year.These branches said that in the near future, the non-counter business limit of personal bank settlement account will be appropriately adjusted based on the basic information reserved by customers in the bank and the use of accounts.
Pufa Chengdu Branch stated that accounts that have not been used for a long time may have a lower limit, and the limit will be reduced to 1,000 yuan per day. Previously, if a customer who had independently opened non-counter transactions on mobile banking, the daily limit would be 50,000 yuan.
According to the announcements issued by these banks, the restricted "non-counter business". Simply put, it is a business that is not handled at the bank counter, including but not limited to online banking, mobile banking, gateway payment , quick payment, sales terminal (POS), self-service teller machine (ATM), and other businesses.
" Card Disconnection Action " carried out a year to clean up 1.48 billion abnormal bank cards
Many banking industry insiders said that this is actually a requirement for the "card Disconnection" action. On October 10, 2020, the State Council held an inter-ministerial joint meeting on combating and controlling new types of illegal and criminal acts of telecommunications networks, and decided to carry out a "card-cutting" action nationwide with the main content of crackdown, governance, punishment of illegal and criminal gangs on the opening and sale of telephone cards and bank card, and clean up and rectify fraud-related telephone cards, Internet of Things cards and related Internet accounts in accordance with the law. During the "card cutoff" campaign, banks and payment institution also need to clean up abnormal bank cards such as long-term non-moving accounts, "one person and multiple cards", and frequent reports of losses and replacement of cards.
In November last year, the central bank announced the results of the "card cutoff" campaign over the past year. During this "card cutoff" operation, the central bank urged banks and payment institutions to clear 1.48 billion abnormal bank cards such as long-term immovable accounts, "one person and multiple cards", frequent reports of losses and replacement of cards; guided commercial banks to establish a fraud-related risk monitoring and interception model, "fast monitoring and timely intercept" of high-risk transactions involving fraud, and intercept 1 billion yuan of fraud-related funds in real time.
Restricted customers can take the certificate materials to the outlet to verify and solve
If the customer finds that he is restricted from using the card, he doesn’t have to worry. The Agricultural Bank of China announced that if customers need to increase their online transfer limit, please bring a valid ID and bank card to any outlet of the bank. Due to local regulatory requirements, some areas may need to provide other auxiliary supporting documents. For details, please consult local outlets. If you cannot go to the outlets to adjust the limit due to special circumstances, you can call the Agricultural Bank of China customer service to inquire.
Relevant branches of Pudong Development Bank also stated that if the customer's account is prompted to exceed the transaction limit and there is a need for an increase in non-counter business quota, you can use the original valid ID card, real-name mobile phone and bank card to go to the branch or any business outlet for identity verification.
Which customers and accounts will be restricted? Four situations are easy to "hit"
Ms. Li, who has worked in the front line of the bank for many years, told Beijing Youth Daily reporters that according to her experience, bank cards are suddenly restricted, and most of them have four abnormal situations.
The first type is that the customer information reserved by the bank is incomplete. For example, customer certificates exceed the deadline and customer information are incomplete. Many banks' systems will regularly screen out such customers and limit non-counter business in batches. She reminds everyone that if you change your new ID card, you must update the bank reserved information in a timely manner. Most banks can update their mobile banking, and you can go to the bank counter to handle it.
The second type is that frequent transactions trigger anti-money laundering, anti-fraud and other bank risk control systems. In order to evade taxes, some merchants will use their personal accounts to get back to the account; some people keep using Pos machines to cash out credit cards; some people brush orders on Taobao or participate in online gambling, buying and selling virtual currency . These illegal activities will definitely be restricted once the system is identified. After the system warning, some banks directly restricted relevant account transactions, and customers need to actively contact the bank to understand what is going on. Banks with better service will actively send text messages to customers, and some bank staff will call customers to verify.
system identification will also cause accidental injury.Ms. Li suggested that when receiving a verification call from the bank, you must actively cooperate and actively provide ID documents, statements, invoices and other certificates when necessary. At the same time, you must keep your bank card well, do not rent it out or lend it to others, and do not participate in illegal activities.
The third situation is that the bank card is not used for a long time and the status is abnormal. For example, if there is no transaction for six months after opening the card, non-counter transactions will be restricted; if the bank card is not used for a long time, and the account balance is small, and it is sleepy, it will also be restricted. If the customer wants to continue using or activate, he can consult the bank for processing; if he really does not need to use it, it is best to cancel the account as soon as possible.
The fourth situation is that my bank account is fine, but the counterparty's account has problems. If you have transactions such as transfers and other transactions with such accounts, you will also be implicated and restricted. This situation is not too common, and it often requires the cooperation of other departments to lift the restrictions, which cannot be solved by banks alone.
Most bank customers are not affected by normal card use
Urban Financial Chief Researcher of China Merchants Finance and part-time researcher of Fudan University Financial Research Institute part-time researcher Dong Ximiao pointed out that long-term idle sleep accounts or small-scale accounts may be used by telecom fraudsters, threatening the security of users' funds and information security. A few users are also considered non-compliant transactions due to excessive transactions. In addition to targeting specific users, the limit policies of many banks are only aimed at areas where telecom fraud is rampant.
Dong Ximiao believes that under the current policy, most bank users will not be affected by limit adjustments, and users do not have to be overly anxious or over-interpret.
Dong Ximiao also reminds cardholders to strengthen the risk management of their accounts and promptly cancel bank cards that they have not used for a long time. More importantly, do not lend, rent or sell bank accounts to avoid others using bank cards to engage in illegal activities.
Su Xiaorui, senior analyst of the financial industry of iResearch Analysis, believes that in recent years, the frequent occurrence of telecommunications network fraud or stealing and stealing funds through bank cards has brought challenges to bank risk prevention and customer funds security. In the future, online channel transaction limits are expected to continue in the short term, but it is not ruled out that banks will achieve a dynamic balance between business risk prevention and user convenience by improving risk control and financial technology levels.
text/Beijing Youth Daily reporter Cheng Jie
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