This article**: Times Weekly Author: Cao Meng.
In 2023, the fight against and prevention of telecommunication network fraud will continue to be promoted, and relevant departments and banking institutions will continue to strengthen the review of information on personal bank cards, and the supervision will continue to become stricter.
This card can only withdraw 30,000 yuan per yearAt the end of December 2023, Liu Jinqiu (pseudonym) asked the staff of the Chaoyang District branch of a major state-owned bank in surprise about it. Liu Jinqiu opened a quasi-savings card in this branch, but lacked a cash withdrawal function, so he wanted to open another physical savings card, but was told by the staff that there were limits on the daily and annual cash withdrawals and transfers of the bank card, which were 3,000 yuan and 30,000 yuan respectively.
*: Photo by a reporter from Time Weekly
The Times Weekly reporter learned that starting in the second half of 2022, many banks began to limit the amount of account transfers, improve the review of relevant materials, and require relevant evidence for the opening of large-value transfers. Recently, a reporter from Times Weekly visited a number of bank outlets in Beijing and found that large state-owned banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, and Bank of China have set online transfer limits for newly opened savings cards.
The staff of a number of bank outlets pointed out to the Times reporter that the strict control of new card opening and online transfer quotas is related to strengthening the control of telecommunication fraud. Financial regulators, banking institutions and others are working together to crack down on telecom network fraud in many places.
Strictly manage the new account opening business.
A few days ago, a staff member of a bank branch told a reporter from the Times Weekly that his bank has strict control over the opening of savings cards, and if users do not have clear card opening needs, they can only open savings cards. If you have a clear purpose for a savings card, such as having obtained an admission notice from a foreign school, you can bring the relevant certificate to the bank branch to negotiate and apply for a bank card with a foreign currency sub-account or purchase a house because you need to pay tuition fees.
The above-mentioned staff said that the daily settlement amount of the original savings card including deposit, withdrawal, transfer and other businesses is 10,000 yuan, and 200,000 yuan for the whole yearThe area of his branch is a medium-risk area for telecommunications fraud, and the daily payment limit of the savings card is 5,000 yuan, and the annual limit is 50,000 yuan. In some high-risk jurisdictions, the daily payment limit of the handling savings card is 3,000 yuan, and the annual limit is 30,000 yuan.
A number of major state-owned banks have strengthened the management of non-counter channels for personal accounts, including lowering the limits of online payment transactions and transfers. According to a lobby manager of an ICBC branch in Chaoyang District, Beijing, ICBC will agree on the limit of e-banking channels with customers according to their daily spending needs. If a new cardholder does not have proof of payment requirements, the initial limit of online transfer through e-banking channels is 10,000 yuan per day.
In the second half of 2023, Bank of China Tianjin Branch and Shaanxi Branch both announced that in order to crack down on telecommunication network fraud, in accordance with the requirements of classified and hierarchical management of bank accounts, the transaction limits of non-counter channels of relevant accounts will be appropriately adjusted. Times Weekly reporters combed and found that in 2023, Bank of Qingdao, Huishang Bank, Ruifeng Bank and other city commercial banks have successively issued announcements on their official websites to reduce the transaction limits of non-counter channels in some accounts.
*: Bank of China Micro Bank Tianjin Branch
*: Bank of China Micro Bank Shaanxi Branch
A staff member of a large state-owned bank in Shanghai told the Times Weekly reporter that non-Shanghai household registration users can bring their ID cards and Shanghai permanent residence certificates to the outlets to apply for savings cards, but the newly opened savings cards will be set limits, the initial limit will be set according to the materials submitted by users, and the daily entry and exit limits for ordinary users will be set between 10,000 yuan and 100,000 yuan, and the limit control will be continued for a long time in the future. If there is a demand from the user, the outlet will temporarily increase the limit for the user according to the specific situation of the user.
*: Photo by a reporter from Time Weekly
A number of bankers said that measures such as strictly controlling the opening of new cards and setting online transfer limits are aimed at reducing the number of accounts involved. In an interview with a reporter from the Times Weekly, the person in charge of a bank branch in Beijing suggested that banking institutions should strengthen the prevention and control of the source of accounts and e-banking access, do a good job of audit and investigation in key links such as account opening and e-banking registration, take reasonable and necessary measures to identify customer identities, understand the purpose of account opening, determine whether the relevant account opening behavior is in line with the real and reasonable use of customers, and implement the requirements of hierarchical management of account limits.
The person in charge of the bank branch also said that the corresponding accounts can be opened according to the degree of customer identity verification, risk characteristics and actual needs, so as to ensure that the account function is compatible with the normal capital settlement needs of customers. For abnormal and suspicious behaviors, criminals who attempt to use rental, lending, and ** bank accounts to transfer criminal funds are blocked in the account opening process.
Li Yifan, a researcher at the Bank of China Research Institute, told the Times Weekly reporter that banks strictly control the opening of savings cards and online spending quotas, mainly in response to regulatory regulations and improve the quality and efficiency of financial anti-fraud work. Compared with offline counter transactions, online large-value transactions have certain difficulties in confirming the true intention of customers and the purpose of the transaction, so it is necessary to strengthen transaction monitoring and prevent abnormal large-value transactions in a timely manner. Limiting how much you can spend online can help reduce the risk of your customers being scammed.
Li Yifan also said that banks should further reduce the risk of fraud in existing accounts to strengthen risk control management, improve transaction monitoring, and effectively use scientific and technological means to depict user portraits, so as to accurately identify customers' daily transaction habits, and then follow up risk assessment before, during and after transactions, and implement account restrictions on abnormal operations in a timely mannerThe second is to strengthen the empowerment of financial technology, use big data technology to check all kinds of accounts, and clean up "sleeping accounts" in a timely manner under the premise of compliance, so as to avoid such accounts being used by criminals.
The "two-card" loan is risky.
In recent years, efforts have been made to combat and prevent telecommunications network fraud.
In October 2020, the first inter-ministerial joint meeting on cracking down on new types of illegal crimes in telecommunications networks was held to carry out a nationwide "broken card" operation in order to cut off the information flow and capital flow of criminals. With the vigorous development of this operation, the number of cases of aiding the crime of information network criminal activities (hereinafter referred to as the "crime of aiding and abetting") has increased rapidly.
The crime of aiding and abetting trust mainly refers to conduct in which the perpetrator clearly knows that others are using information networks to commit crimes, and provides them with technical support such as internet access, server hosting, network storage, and communication transmission, or provides assistance such as advertising and promotion, payment and settlement, where the circumstances are serious.
According to data released by the China Judicial Big Data Research Institute, from 2017 to 2021, courts at all levels across the country received a total of 7 new cases of helping and trusting20,000 pieces. According to the research report released by the Third Criminal Division of the Supreme People's Court in August 2023, the number of cases of aiding and trusting has jumped to the third place among all types of criminal cases, and nearly eight of the cases of aiding and trusting have become "two cards" (mobile phone cards and bank cards).
He Shanshan, a lawyer at Beijing Deheheng Law Firm, analyzed to a reporter from Times Weekly that from the perspective of legal provisions, the crime of aiding and believing must meet the conditions of subjective "knowing", objective assistance and "serious circumstances". In the era of mobile Internet, cybercrime has improved its technical means, variety and hidden forms, resulting in a high incidence of cybercrime such as wire fraud. Under this situation, in October 2020, the "Card Breaking Operation" was widely carried out across the country, and the number of cases of aiding and abetting crimes also increased for a period of time.
There are two main manifestations of the crime of aiding trust, the first is the illegal purchase and sale of various 'two cards' with payment and settlement functions, that is, bank cards and ** cards. The second is to provide professional technology, tools and extension services to support illegal and criminal activities. Liu Rentang, a senior equity partner at Beijing Jingshi Law Firm, said in an interview with a reporter from Time Weekly.
The person in charge of the branch of the above-mentioned state-owned bank revealed to the Times Weekly reporter that the resale of payment and settlement equipment such as savings cards and mobile banking can reach more than 2,000 yuan in the market. As for how to prevent the crime of aiding trust, lawyer He Shanshan said that individuals should be extra vigilant when encountering online promotion, marketing, and settlement behaviors such as acquisition, leasing, ** bank cards, mobile phone cards, as well as "running points", "attracting fans" and "swiping orders", and can also learn more about some new electronic fraud methods and technologies in the National Anti-Fraud Center APP to improve self-screening.
He also suggested strengthening the linkage between families, schools, judicial organs, and social organizations, and raising the public's awareness of prevention through salon lectures, legal popularization activities, and other forms.