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[This article is synthesized from Henan Business Daily Jiaodian Information, The Paper, Taizhou Daily, Sina Weibo, etc.]
April 16, Foshan, Guangdong. The man posted a video saying that his Industrial and Commercial Bank of China savings card transfer was limited, and the increased limit was required by the staff of the outlet to show the real estate certificate. The man asked, "Can't you increase the quota if you don't have real estate?" and the staff replied in the affirmative. On the 17th, the customer service staff of the Industrial and Commercial Bank of China responded that in order to cooperate with the prevention of telecommunication fraud, it is necessary to provide auxiliary information if necessary, and the specific information can be discussed with the staff.
The incident sparked heated discussions among netizens, and some netizens said that when saving money, they don't need a real estate certificate, and they need it when they use it.
Do you want netizens to question, will you not be defrauded if you have a house?
Previously, a user in Anshan, Liaoning Province reported that he had changed his card password at a branch of China Construction Bank and was told that he had to have a real estate certificate and a medical guarantee.
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How to avoid accidental injuries when banks pile up to adjust transaction limits?
Following the clean-up of dormant accounts and strict restrictions on account opening, the "broken card" action of banks continued to advance.
Recently, a number of banks have successively issued announcements on the transaction limits of relevant accounts, which has attracted market attention. In terms of the reasons for the adjustment, a number of banks explained in the announcement that the main reason is to prevent funds from suffering from fraud losses and implement the requirements for the classification and hierarchical management of personal bank accounts.
In recent years, with the frequent occurrence of fraud and the stricter anti-money laundering management, many banks such as Agricultural Bank of China, China Everbright Bank and Shanghai Pudong Development Bank adjusted the transaction limits of non-counter channels last year.
Since the beginning of this year, the "quota tide" of non-counter channel transactions has continued. Recently, the branches of major banks such as Bank of China, China Construction Bank, and Postal Savings Bank, as well as urban commercial banks and rural commercial banks such as Bank of Qingdao and Zhangshu Rural Commercial Bank, have issued announcements stating that they will adjust the transaction limits of non-counter channels for some customers according to account usage.
Specifically, the accounts for which banks have announced adjustments to their limits are different. For example, Bank of Qingdao adjusts to corporate accounts, Bank of China Tianjin Branch, China Construction Bank Inner Mongolia Branch, etc., to adjust personal bank settlement accounts, most of which are personalized according to the historical use of accounts.
It is understood that non-counter channels refer to businesses that are not handled at bank counters, including online banking, mobile banking, online quick payment, POS machines, ATM machines and third-party payments including Alipay and WeChat.
The reporter consulted the customer service of a number of banks and learned that the specific amount of non-counter channel transactions in the account is also slightly different in the limits set by each bank.
"There is no limit on the Type I account itself, but since December 3 last year, the bank has divided the Type I account into three levels, and new customers will be matched according to different levels of risk when opening an account or upgrading an old customer. Among them, there is no transaction limit for Class I households at Level 1, the non-counter expenditure limit for Class I households at Level 2 is 50,000 yuan per day, and the non-counter expenditure limit for Level 3 households is 20,000 yuan per day. ICBC customer service said.
The customer service of the Agricultural Bank of China and the customer service of China CITIC Bank told reporters that the non-counter transaction limit of the bank card depends on the customer's personal situation, and the specific amount can be queried through the counter or mobile banking.
In addition, the reporter found that even within the same bank, there are differences in the transaction limits of different non-counter channels. For example, CCB has a single bill of RMB 30,000, a daily cumulative amount of 50,000 yuan, and a monthly total of 600,000 yuan for a single bill of the bank's savings card, while the online payment limit for second-generation online banking shield users is 500,000 yuan per day, and the transfer limit is 5 million yuan per transaction and a daily total.
Will the user's convenience be affected?
As soon as the news of the adjustment of the non-counter transaction quota by various banks came out, it aroused the attention of the market and also aroused discussion among netizens.
Some people understand this, thinking that this is a technical means to protect bank cards, especially some middle-aged and elderly people, which can effectively stop losses, but there are also many people who complain that the new bank card transaction limit is too low, which directly affects their own experience.
As for the adjustment of the transaction limit of user accounts, a number of banks also gave explanations in the announcement, which is basically to strengthen the fight against illegal and criminal activities of telecommunication network fraud and prevent funds from suffering from fraudulent losses. At the same time, it is also to implement the requirements of classified and hierarchical management of personal bank accounts.
Some people in the industry said that reducing the limit of non-counter transactions of banks has a positive effect on improving the security of transactions and implementing financial consumer protection. However, commercial banks should strike a balance between customer convenience and fund security, and adopt different management methods for different customers. Ensure that the impact on client trading activity is minimized.