1 thought on “Multiple banks guarantee funds and security officers to announce the reduction limit”
Cody
Multiple banks guarantee funds and security officers to decorate the limit Muge banks to ensure funding security officers' announcements. For banks, strengthening account control can build a line of defense for users to prevent telecommunications fraud to a certain extent. At the same time, it may bring some inconvenience to users' daily consumption and transactions. Many banks guarantee funding security officers to announce the reduction limit. Maked bank guarantee funding officials announced that the limit was reduced. Recently, many banks such as Agricultural Bank of China, Pudong Development Bank, Everbright Bank, Longhai Rural Commercial Bank, etc. have issued announcements to some customers' personal online banking, palm bank transfer, online The limit of payment transactions and non -counter business is adjusted, and the single -day limit is adjusted to 10,000 yuan or even thousands of yuan. Why should bank adjust the limit of personal non -counter transaction? What effect does it have on you after adjustment? The bank adjustment of non -counter business limits Recently, Agricultural Bank issued an announcement saying that the recent frequent telecommunications network fraud is frequent. In order to ensure customer accounts and funds, the bank will successively regulate the regulatory regulations. The online banking and palm bank transfer limit are adjusted. Is, in March of this year, Pudong Development Bank issued multiple announcements. The bank's Chengdu Branch, Changsha Branch, and Fuzhou Branch all issued an announcement on adjusting the non -counter business limit of personal bank settlement accounts. The content is also roughly similar. "In order to ensure your funds, our bank will appropriately adjust the non -counter business limit for personal bank settlement accounts according to the account usage." The announcement said that starting from May 12, 2022, the bank will adjust the online payment transaction limit. The main content is as follows: online payment transactions, that is, you can consume through various online transaction channels and pass the payment transaction through the Everbright Bank payment platform. The default single limit and single -day limit of online payment transactions are uniformly adjusted to 10,000 yuan. On April 9th, Longhai Rural Commercial Bank also issued the "Announcement on Batch Adjustment of the Non -Counter Business Limits of Personal Settlement Account". The adjustment plan states that batch adjustments refer to factors such as referring to the personal information (age, etc.) reserved by the customer in the past 6 months, the amount of payment transaction amount, the number of strokes, and the account balance, and set the risk classification of the account after setting up different grades of non -grade non -grade non -grade non -grade non -grade non -grade non -grade non -grade non -grade non -grades non -grade non -grade non -grade non -grade non -grade non -grade non -non -grained non -grade non -grade non -non -grained non -grades The cabinet business limit (unlimited restrictions on counter transactions and payment business), the start time is April 20, 2022. The banks mentioned the "non -counter business" in the announcement. In short, it is not the business that is not handled at the bank counter, including but not limited to online banking, mobile banking, gateway payment, quick payment, and sales terminal ( POS), self -service tellers (ATM) and other businesses. In fact, Zhongxin Jingwei combed and found that since September 2021, many rural commercial banks and rural credit cooperatives have issued batch adjustments to personal settlement accounts for non -counter business limit. Most concentrated in Fujian Province, Guizhou Province and other provinces. For adjustments, some banks delineate it in "non -active personal settlement accounts". For example, Fujian Longyan Rural Commercial Bank announced that "Non -active personal settlement accounts refer to personal settlement accounts that have not initiated any receipt and payment business for three consecutive months and the average daily balance of the account." Shunchang County Rural Credit Cooperative Union stated that "Non -active personal settlement account refers to a personal settlement account with an average daily balance of the accounts of less than 500 yuan for six consecutive months and the average daily balance of the account in the previous quarter."
The bank also delineates larger scope. For example, the adjustment range of the Fujian Strait Bank is: the average daily balance of 2021 is less than 1,000 yuan and the account opening date is the personal life period from July 1, 2020. Settlement accounts (except individual accounts such as social security accounts). It worth noting is that many banks set the non -counter business limit at a cumulative payment limit of 5,000 yuan in a single day (unlimited restrictions on counter transactions and payment business). The sword refers to telecommunications fraud For the reason for adjusting the limit, the customer service staff of the Agricultural Bank of China stated that in accordance with the special operations related to telecommunications fraud in accordance with the regulatory agency, some customers will be limited. What is not affected is the main affected is the third -party payment, including online banking, online banking, and third -party payment including Alipay and WeChat payment. " " This move is to further implement the classification level of the People's Bank of the People's Bank of the People's Bank of China Management and control requirements, strengthening the management of personal non -counter transaction limits, and preventing anti -cleaning Q, so the non -counter amount of personal accounts has been added, "said Pudong Development Bank's customer service staff. Longyan Rural Commercial Bank revealed in the announcement that according to the People's Bank of China Longyan City Center Sub -branch and Longyan City Campaign Telecom Network New illegal Crime Working Office on the "Notice of Strengthening the Management of Stock Accounts", combined with the bank Actually, starting from March 28, 2022, the bank has adjusted the bank's non -active personal settlement account non -counter business limit. If Fujian Strait Bank said in the announcement that in recent years, the frequent occurrence of telecommunications fraud cases. In order to further strengthen the prevention and control of account risk and promote the reasonable arrangements of customers and use personal bank account resources, the bank will carry out personal bank accounts and non -counter transfer transfers. Limit adjustment work.
In Broadcom consulting financial industry senior analyst Wang Pengbo analyzed in an interview with Sino -Singapore Jingwei that it is mainly related to fraud and more violations of regulations. responsibility. In October 2020, the State Council's inter -joint meeting of the State Council to govern the new type of illegal crimes of the telecommunications network was deployed nationwide to conduct a "broken card" operation to crack down on telephone cards and bank card illegal crimes. In recent years, banks have also continued to carry out the "broken card" operation, and many banks have also begun to clean up the "sleep card". in recent years, telecommunications fraud have been common. Zhongxin Jingwei has interviewed many victims of telecommunications fraud, some were deceived by the so -called online store customer service return, and some were deceived by the person who posted a public prosecution law. The molecules stole away or transferred to another person's account by themselves, with less than tens of thousands of hundreds of thousands of dollars. Ampires after being deceived, the victims often complain about banks, thinking that the bank's security measures are not perfect, giving scammers a chance to take, and even sued the bank to ask for compensation. Wang Pengbo believes that the limit will be inconvenient when large amounts of transfer, but the safety will be more guaranteed, and once the fraud loss is encountered, it will be much smaller. How to balance between safety and convenience? For this bank's amount of adjustments, some netizens said: "Internet fraud is really abominable", but some netizens said, "I was anxious to withdraw money with money, and the result was limited." If this, Pudong Development Bank stated in the announcement that if the customer's account transaction is prompted to exceed the transaction limit, there is indeed an increase in the amount of non -counter business quota. One business outlet is verified by identity. Everbright banks pointed out that the "transaction limit settings" and customer service channels were autonomously modified through the "transaction limit settings" through Everbright Bank Sunshine Hui Life APP. In this way, the online payment transaction limit has been adjusted by itself, and it will not be affected by this adjustment, and the online transaction limit will remain unchanged.
Longhai Rural Commercial Bank said that if the payment limit of the account is needed, please bring your valid identity document to the bank's outlet to declare. After verifying the true legal of the account use of the account, the bank will adjust the account payment limit according to the actual needs of the user. In real life, how to make a good balance before ensuring the security of customers' funds and facilitates customers is also a challenge for banks to face. "Many banks have made better attempts. For example, after some banks reduce the transaction limit of the account, users can still make self -service withdrawal through online ways. The quota settings can meet the daily life of ordinary users. Use demand. If the quota is still not enough, you can also go to the outlet to apply for withdrawal, which can also meet the needs of a small amount of large amount of capital transactions. "Said Huang Dazhi, a researcher at the Star Financial Research Institute. Wang Pengbo believes that in terms of ensuring security, banks should work more on fintech to improve the level of technical prevention and control. Users should avoid the use of their accounts and money laundering platforms, while improving their own awareness of anti -fraud awareness Essence The banks guarantee funds security officers to reduce the limit. 2 Banking institutions are constantly increasing the management of online channels for personal accounts. Recently, many banks such as Everbright Bank, Pudong Development Bank, and Agricultural Bank of China have issued announcements to reduce the online transaction limit for online related business, including online transfer limit and online payment transaction limit. For the reasons for adjustment, the above -mentioned bank customer service staff generally stated that it is mainly to prevent telecommunications network fraud. From the perspective of industry insiders, banks to strengthen personal accounts and card management are the general trend. In the future, banks may obtain dynamic balance between business risk prevention and user convenience by improving risk control and financial technology levels in the future. The online business of some users is limited Gangda Bank mainly adjusts the online payment transaction limit. Everbright Bank stated in the announcement that starting from May 12, 2022, the online payment transaction limit will be adjusted. Users consume through various online transaction channels and pass the payment transaction completed through the Everbright Bank payment platform. The daily limit is uniformly adjusted to 10,000 yuan.
Tengda bank information chart Comonic banks are mainly adjusted to some users' personal online banking and palm bank transfer limit. Pujin Bank Chengdu Branch, Changsha Branch, and Fuzhou Branch have successively issued an announcement on adjusting the non -counter business limit on personal bank settlement accounts that it will appropriately adjust the non -counter business limit for personal bank settlement accounts according to the account usage. The reporter's customer service found that the limit measures taken by many banks on online business need to see the actual usage of personal accounts and relevant policies in the region in order to determine the specific limit and whether the limit is limited. For example, the customer service of the Agricultural Bank of China claims that the limits in different provinces and regions are different, and the specific adjustment of the same province involves the specific adjustment of different personal accounts. In Hangzhou as an example, if the electronic channels of personal stock customers have not had a transaction list for more than 12 months, the adjusted external transfer limit may be 10,000 yuan a day; for the Fuzhou as an example, the personal stock customer If 2 Without electronic channel transactions and trading lists during the year, the single -day limit may be 5,000 yuan. It, Pudong Development Bank customer service said that there are two cases of Fuzhou's restrictions on non -counter limit. First, starting from September 28, 2021, various outlets should be newly opened after the new personal bank account. Opening a personal bank account is included in non -counter transactions for a single -day limit of 5,000 yuan. Yuan's V1 -level customers.
"The account in and out of the account has long -term abnormalities, a long -term non -use account transaction, or suspected of money laundering may become the object of being limited by the bank. This is a means for banks to strengthen their own management risks." Wang Pengbo, a senior analyst at the industry, told the Securities Daily that in recent years, the situation of telecommunications fraud and personal accounts violations have been issued. Banks are responsible for account security and anti -cleaning Q, increasing the management of online channels for personal accounts. It strengthening personal account management is a major trend In recent years, banks have continued to strengthen the management of personal accounts. The bank card below 10 yuan is included in the sleep account. Especially for telecommunications fraud, many banks have launched the "broken card" operation since last year. The industry generally believes that the bank has lowered the online related business transaction limit on online personal accounts, which is an upgrade of personal accounts control of personal accounts for risk events such as telecommunications fraud. At present, online online business such as online transfer and online payment has been widely used by users. For banks, strengthening account control can build a line of defense for users to prevent telecommunications fraud to a certain extent. But from the perspective of consumer level, it may bring some inconvenience to the daily consumption and transactions of users.
"Strengthening user accounts and card management will be the general trend." Pan and Lin, co -director of the Digital Economy and Financial Innovation Research Center of Zhejiang University, told the Securities Daily that there are more expected to have more Bank follows personal account management. But how to find a balance in the convenience of customers and the security of funds will be a matter of focusing on banks. Striped analyst Su Xiaorui, a senior analyst of the financial industry, also agrees with the above statement. She believes that while the bank is preventing risks, she also pays attention to the convenience of financial services. Huang Dazhi, a researcher at the Star Map Financial Research Institute, provides users with the following suggestions: First, the consciousness of account inventory, users must do a good job of bank account management; second, risk management awareness, users in third -party payment software are right, right The unused bank card should be unbundited in time, and the bank card that is not used for a long time should be canceled in time. It is important to emphasize that users must not rent, sell, borrow their own bank cards or pay accounts. Maked bank guarantee funds security officers announced that the limit of the capital security officer 3 Recently, with the continuous development of cracking down on telecommunications fraud, multiple banks have lowered the online transaction limit for personal accounts. s concern. The banks have stated that the limits of related accounts are mainly to implement relevant requirements, prevent the risk of telecommunications network fraud, and ensure the security of customer account funds.
Mustment of multiple banks announcement The lower personal account online transaction limit Recently, many banks such as agricultural banks, Everbright Bank, and Pudong Development Bank have issued announcements. The online banking and palm bank transfer limit or online payment transaction limit is adjusted. Agricultural Bank of China: Adjust the limit of personal online banking and palm bank transfer of some customers On April 2, Agricultural Bank issued the "Announcement on Restaument to the Transaction Limits of Some Customer Network Financial Channels": Recently, telecommunications network fraud frequency is frequent. In order to ensure the security of customer accounts and funds, and implement regulatory regulations, our bank will have adjusted some customers' personal online banking and palm bank transfer limit. then, if the customer needs to improve the online transfer limit, please bring a valid ID and a bank card to go to our bank to do it. Due to local regulatory requirements, other auxiliary certification materials may be required, and local outlets can be consulting. If you cannot go to the outlets for adjustment due to special circumstances, please call our travel service phone 95599 for consultation.
Everbright Bank: The default single limit and single -day limit of online payment transactions are uniformly adjusted to 10,000 yuan. Previously, on March 24th, Everbright Bank has issued the "Announcement on Adjusting the Limits of Online Payment Transactions". From May 12, 2022, our bank will adjust the online payment transaction limit. The main content is as follows as follows. : The online payment transactions, that is, you can consume through various online transaction channels and complete payment transactions through the Everbright Bank payment platform. The default single limit and single -day limit of online payment transactions are uniformly adjusted to 10,000 yuan. You can autonomously modify the online payment transaction limit through the "transaction limit settings" and customer service channels through our Sunshine Living APP. If you have previously adjusted the online payment transaction limit, it will not be affected by this adjustment, and your online transaction limit will remain unchanged.
Mujin Bank Multi -Branch: Properly adjust the non -counter business limits of personal bank settlement accounts Pujin Bank Chengdu Branch, Changsha Branch, Fuzhou Branch, Hangzhou Branch and other successive releases The announcement of the non -cabinet business limit states that according to the account usage, the non -counter business limits of personal bank settlement accounts will be appropriately adjusted according to the account usage.
The amount of involved cases The joint supervision of five special cross -border telecommunications network fraud cases The above banks have stated that the limits of related accounts are mainly to implement relevant requirements. Prevent telecommunications network fraud risk and ensure the security of customer account funds. At present, with the rapid development of the Internet economy and the telecommunications industry, the continuous high incidence of telecommunications network fraud is one of the fastest rising and the most strongly reflected criminals. Fraud occurred frequently such as "gambling killing pig disk" and "single loan". The noteworthy is that while multiple banks have lowered the online transaction limit of personal accounts, the Supreme People's Procuratorate and the Ministry of Public Security jointly supervised the Zhejiang "12.30" case, including 5 special cross -border telecommunications network fraud crimes. In recent years, the procuratorial organs and public security organs have worked closely and cooperate, and they have combated telecommunications network fraud and their associated crimes in accordance with the law, strict, and full -chain, which has effectively safeguarded the legitimate rights and interests of the people. However, the current telecommunications network fraud crimes are still high, and the people are strongly reflected. In particular, the organizational personnel of fraud criminal groups went to overseas nests to perform fraud on ordinary people in the country, which seriously affected the sense of security of the people.
. According to reports, the five cases of the supervision and supervision of this time are all cases of cross -border telecommunications network fraud criminal groups. The victims have a wide range and a large number of people. The procuratorial organs and public security organs will adhere to the overseas and online and the Internet, focusing on arrests and severe cracking down on criminal groups behind the "gold master" and backbone elements, especially to promote overseas fraudulent, extradition Repatriation work; comprehensively punish illegal criminal gangs that provide personal information, technical support, payment settlement and other help for criminal groups, resolutely eradicate the criminal den, and resolutely cut off the criminal chain. At the same time, the procuratorial organs and public security organs will run the entire process of supervision of the case supervision of the case, thoroughly investigate the flow of funds, timely freeze in accordance with the law, recover fraudulent funds, seize the disposal of the property involved, and urge the criminals to take the initiative to refund the loot and refund the compensation. With the greatest effort to maximize the loss of the people's property losses. At the same time, Yan Zheng, the procuratorial organs and public security organs, warned that the criminals who had evaded legal sanctions to recognize the situation, do not have any luck, and return to China as soon as possible to surrender.
Multiple banks guarantee funds and security officers to decorate the limit
Muge banks to ensure funding security officers' announcements. For banks, strengthening account control can build a line of defense for users to prevent telecommunications fraud to a certain extent. At the same time, it may bring some inconvenience to users' daily consumption and transactions. Many banks guarantee funding security officers to announce the reduction limit.
Maked bank guarantee funding officials announced that the limit was reduced. Recently, many banks such as Agricultural Bank of China, Pudong Development Bank, Everbright Bank, Longhai Rural Commercial Bank, etc. have issued announcements to some customers' personal online banking, palm bank transfer, online The limit of payment transactions and non -counter business is adjusted, and the single -day limit is adjusted to 10,000 yuan or even thousands of yuan. Why should bank adjust the limit of personal non -counter transaction? What effect does it have on you after adjustment?
The bank adjustment of non -counter business limits
Recently, Agricultural Bank issued an announcement saying that the recent frequent telecommunications network fraud is frequent. In order to ensure customer accounts and funds, the bank will successively regulate the regulatory regulations. The online banking and palm bank transfer limit are adjusted.
Is, in March of this year, Pudong Development Bank issued multiple announcements. The bank's Chengdu Branch, Changsha Branch, and Fuzhou Branch all issued an announcement on adjusting the non -counter business limit of personal bank settlement accounts. The content is also roughly similar. "In order to ensure your funds, our bank will appropriately adjust the non -counter business limit for personal bank settlement accounts according to the account usage." The announcement said that starting from May 12, 2022, the bank will adjust the online payment transaction limit. The main content is as follows: online payment transactions, that is, you can consume through various online transaction channels and pass the payment transaction through the Everbright Bank payment platform. The default single limit and single -day limit of online payment transactions are uniformly adjusted to 10,000 yuan.
On April 9th, Longhai Rural Commercial Bank also issued the "Announcement on Batch Adjustment of the Non -Counter Business Limits of Personal Settlement Account". The adjustment plan states that batch adjustments refer to factors such as referring to the personal information (age, etc.) reserved by the customer in the past 6 months, the amount of payment transaction amount, the number of strokes, and the account balance, and set the risk classification of the account after setting up different grades of non -grade non -grade non -grade non -grade non -grade non -grade non -grade non -grade non -grade non -grades non -grade non -grade non -grade non -grade non -grade non -grade non -non -grained non -grade non -grade non -non -grained non -grades The cabinet business limit (unlimited restrictions on counter transactions and payment business), the start time is April 20, 2022.
The banks mentioned the "non -counter business" in the announcement. In short, it is not the business that is not handled at the bank counter, including but not limited to online banking, mobile banking, gateway payment, quick payment, and sales terminal ( POS), self -service tellers (ATM) and other businesses.
In fact, Zhongxin Jingwei combed and found that since September 2021, many rural commercial banks and rural credit cooperatives have issued batch adjustments to personal settlement accounts for non -counter business limit. Most concentrated in Fujian Province, Guizhou Province and other provinces.
For adjustments, some banks delineate it in "non -active personal settlement accounts". For example, Fujian Longyan Rural Commercial Bank announced that "Non -active personal settlement accounts refer to personal settlement accounts that have not initiated any receipt and payment business for three consecutive months and the average daily balance of the account." Shunchang County Rural Credit Cooperative Union stated that "Non -active personal settlement account refers to a personal settlement account with an average daily balance of the accounts of less than 500 yuan for six consecutive months and the average daily balance of the account in the previous quarter."
The bank also delineates larger scope. For example, the adjustment range of the Fujian Strait Bank is: the average daily balance of 2021 is less than 1,000 yuan and the account opening date is the personal life period from July 1, 2020. Settlement accounts (except individual accounts such as social security accounts).
It worth noting is that many banks set the non -counter business limit at a cumulative payment limit of 5,000 yuan in a single day (unlimited restrictions on counter transactions and payment business).
The sword refers to telecommunications fraud
For the reason for adjusting the limit, the customer service staff of the Agricultural Bank of China stated that in accordance with the special operations related to telecommunications fraud in accordance with the regulatory agency, some customers will be limited. What is not affected is the main affected is the third -party payment, including online banking, online banking, and third -party payment including Alipay and WeChat payment. "
" This move is to further implement the classification level of the People's Bank of the People's Bank of the People's Bank of China Management and control requirements, strengthening the management of personal non -counter transaction limits, and preventing anti -cleaning Q, so the non -counter amount of personal accounts has been added, "said Pudong Development Bank's customer service staff.
Longyan Rural Commercial Bank revealed in the announcement that according to the People's Bank of China Longyan City Center Sub -branch and Longyan City Campaign Telecom Network New illegal Crime Working Office on the "Notice of Strengthening the Management of Stock Accounts", combined with the bank Actually, starting from March 28, 2022, the bank has adjusted the bank's non -active personal settlement account non -counter business limit.
If Fujian Strait Bank said in the announcement that in recent years, the frequent occurrence of telecommunications fraud cases. In order to further strengthen the prevention and control of account risk and promote the reasonable arrangements of customers and use personal bank account resources, the bank will carry out personal bank accounts and non -counter transfer transfers. Limit adjustment work.
In Broadcom consulting financial industry senior analyst Wang Pengbo analyzed in an interview with Sino -Singapore Jingwei that it is mainly related to fraud and more violations of regulations. responsibility.
In October 2020, the State Council's inter -joint meeting of the State Council to govern the new type of illegal crimes of the telecommunications network was deployed nationwide to conduct a "broken card" operation to crack down on telephone cards and bank card illegal crimes. In recent years, banks have also continued to carry out the "broken card" operation, and many banks have also begun to clean up the "sleep card".
in recent years, telecommunications fraud have been common. Zhongxin Jingwei has interviewed many victims of telecommunications fraud, some were deceived by the so -called online store customer service return, and some were deceived by the person who posted a public prosecution law. The molecules stole away or transferred to another person's account by themselves, with less than tens of thousands of hundreds of thousands of dollars.
Ampires after being deceived, the victims often complain about banks, thinking that the bank's security measures are not perfect, giving scammers a chance to take, and even sued the bank to ask for compensation.
Wang Pengbo believes that the limit will be inconvenient when large amounts of transfer, but the safety will be more guaranteed, and once the fraud loss is encountered, it will be much smaller.
How to balance between safety and convenience?
For this bank's amount of adjustments, some netizens said: "Internet fraud is really abominable", but some netizens said, "I was anxious to withdraw money with money, and the result was limited."
If this, Pudong Development Bank stated in the announcement that if the customer's account transaction is prompted to exceed the transaction limit, there is indeed an increase in the amount of non -counter business quota. One business outlet is verified by identity.
Everbright banks pointed out that the "transaction limit settings" and customer service channels were autonomously modified through the "transaction limit settings" through Everbright Bank Sunshine Hui Life APP. In this way, the online payment transaction limit has been adjusted by itself, and it will not be affected by this adjustment, and the online transaction limit will remain unchanged.
Longhai Rural Commercial Bank said that if the payment limit of the account is needed, please bring your valid identity document to the bank's outlet to declare. After verifying the true legal of the account use of the account, the bank will adjust the account payment limit according to the actual needs of the user.
In real life, how to make a good balance before ensuring the security of customers' funds and facilitates customers is also a challenge for banks to face. "Many banks have made better attempts. For example, after some banks reduce the transaction limit of the account, users can still make self -service withdrawal through online ways.
The quota settings can meet the daily life of ordinary users. Use demand. If the quota is still not enough, you can also go to the outlet to apply for withdrawal, which can also meet the needs of a small amount of large amount of capital transactions. "Said Huang Dazhi, a researcher at the Star Financial Research Institute.
Wang Pengbo believes that in terms of ensuring security, banks should work more on fintech to improve the level of technical prevention and control. Users should avoid the use of their accounts and money laundering platforms, while improving their own awareness of anti -fraud awareness Essence
The banks guarantee funds security officers to reduce the limit. 2 Banking institutions are constantly increasing the management of online channels for personal accounts.
Recently, many banks such as Everbright Bank, Pudong Development Bank, and Agricultural Bank of China have issued announcements to reduce the online transaction limit for online related business, including online transfer limit and online payment transaction limit.
For the reasons for adjustment, the above -mentioned bank customer service staff generally stated that it is mainly to prevent telecommunications network fraud. From the perspective of industry insiders, banks to strengthen personal accounts and card management are the general trend. In the future, banks may obtain dynamic balance between business risk prevention and user convenience by improving risk control and financial technology levels in the future.
The online business of some users is limited
Gangda Bank mainly adjusts the online payment transaction limit. Everbright Bank stated in the announcement that starting from May 12, 2022, the online payment transaction limit will be adjusted. Users consume through various online transaction channels and pass the payment transaction completed through the Everbright Bank payment platform. The daily limit is uniformly adjusted to 10,000 yuan.
Tengda bank information chart
Comonic banks are mainly adjusted to some users' personal online banking and palm bank transfer limit.
Pujin Bank Chengdu Branch, Changsha Branch, and Fuzhou Branch have successively issued an announcement on adjusting the non -counter business limit on personal bank settlement accounts that it will appropriately adjust the non -counter business limit for personal bank settlement accounts according to the account usage.
The reporter's customer service found that the limit measures taken by many banks on online business need to see the actual usage of personal accounts and relevant policies in the region in order to determine the specific limit and whether the limit is limited. For example, the customer service of the Agricultural Bank of China claims that the limits in different provinces and regions are different, and the specific adjustment of the same province involves the specific adjustment of different personal accounts.
In Hangzhou as an example, if the electronic channels of personal stock customers have not had a transaction list for more than 12 months, the adjusted external transfer limit may be 10,000 yuan a day; for the Fuzhou as an example, the personal stock customer If 2 Without electronic channel transactions and trading lists during the year, the single -day limit may be 5,000 yuan.
It, Pudong Development Bank customer service said that there are two cases of Fuzhou's restrictions on non -counter limit. First, starting from September 28, 2021, various outlets should be newly opened after the new personal bank account. Opening a personal bank account is included in non -counter transactions for a single -day limit of 5,000 yuan. Yuan's V1 -level customers.
"The account in and out of the account has long -term abnormalities, a long -term non -use account transaction, or suspected of money laundering may become the object of being limited by the bank. This is a means for banks to strengthen their own management risks." Wang Pengbo, a senior analyst at the industry, told the Securities Daily that in recent years, the situation of telecommunications fraud and personal accounts violations have been issued. Banks are responsible for account security and anti -cleaning Q, increasing the management of online channels for personal accounts.
It strengthening personal account management is a major trend
In recent years, banks have continued to strengthen the management of personal accounts. The bank card below 10 yuan is included in the sleep account. Especially for telecommunications fraud, many banks have launched the "broken card" operation since last year.
The industry generally believes that the bank has lowered the online related business transaction limit on online personal accounts, which is an upgrade of personal accounts control of personal accounts for risk events such as telecommunications fraud.
At present, online online business such as online transfer and online payment has been widely used by users. For banks, strengthening account control can build a line of defense for users to prevent telecommunications fraud to a certain extent. But from the perspective of consumer level, it may bring some inconvenience to the daily consumption and transactions of users.
"Strengthening user accounts and card management will be the general trend." Pan and Lin, co -director of the Digital Economy and Financial Innovation Research Center of Zhejiang University, told the Securities Daily that there are more expected to have more Bank follows personal account management. But how to find a balance in the convenience of customers and the security of funds will be a matter of focusing on banks.
Striped analyst Su Xiaorui, a senior analyst of the financial industry, also agrees with the above statement. She believes that while the bank is preventing risks, she also pays attention to the convenience of financial services.
Huang Dazhi, a researcher at the Star Map Financial Research Institute, provides users with the following suggestions: First, the consciousness of account inventory, users must do a good job of bank account management; second, risk management awareness, users in third -party payment software are right, right The unused bank card should be unbundited in time, and the bank card that is not used for a long time should be canceled in time. It is important to emphasize that users must not rent, sell, borrow their own bank cards or pay accounts.
Maked bank guarantee funds security officers announced that the limit of the capital security officer 3 Recently, with the continuous development of cracking down on telecommunications fraud, multiple banks have lowered the online transaction limit for personal accounts. s concern.
The banks have stated that the limits of related accounts are mainly to implement relevant requirements, prevent the risk of telecommunications network fraud, and ensure the security of customer account funds.
Mustment of multiple banks announcement
The lower personal account online transaction limit
Recently, many banks such as agricultural banks, Everbright Bank, and Pudong Development Bank have issued announcements. The online banking and palm bank transfer limit or online payment transaction limit is adjusted.
Agricultural Bank of China: Adjust the limit of personal online banking and palm bank transfer of some customers
On April 2, Agricultural Bank issued the "Announcement on Restaument to the Transaction Limits of Some Customer Network Financial Channels":
Recently, telecommunications network fraud frequency is frequent. In order to ensure the security of customer accounts and funds, and implement regulatory regulations, our bank will have adjusted some customers' personal online banking and palm bank transfer limit.
then, if the customer needs to improve the online transfer limit, please bring a valid ID and a bank card to go to our bank to do it. Due to local regulatory requirements, other auxiliary certification materials may be required, and local outlets can be consulting. If you cannot go to the outlets for adjustment due to special circumstances, please call our travel service phone 95599 for consultation.
Everbright Bank: The default single limit and single -day limit of online payment transactions are uniformly adjusted to 10,000 yuan.
Previously, on March 24th, Everbright Bank has issued the "Announcement on Adjusting the Limits of Online Payment Transactions". From May 12, 2022, our bank will adjust the online payment transaction limit. The main content is as follows as follows. :
The online payment transactions, that is, you can consume through various online transaction channels and complete payment transactions through the Everbright Bank payment platform. The default single limit and single -day limit of online payment transactions are uniformly adjusted to 10,000 yuan. You can autonomously modify the online payment transaction limit through the "transaction limit settings" and customer service channels through our Sunshine Living APP. If you have previously adjusted the online payment transaction limit, it will not be affected by this adjustment, and your online transaction limit will remain unchanged.
Mujin Bank Multi -Branch: Properly adjust the non -counter business limits of personal bank settlement accounts
Pujin Bank Chengdu Branch, Changsha Branch, Fuzhou Branch, Hangzhou Branch and other successive releases The announcement of the non -cabinet business limit states that according to the account usage, the non -counter business limits of personal bank settlement accounts will be appropriately adjusted according to the account usage.
The amount of involved cases
The joint supervision of five special cross -border telecommunications network fraud cases
The above banks have stated that the limits of related accounts are mainly to implement relevant requirements. Prevent telecommunications network fraud risk and ensure the security of customer account funds.
At present, with the rapid development of the Internet economy and the telecommunications industry, the continuous high incidence of telecommunications network fraud is one of the fastest rising and the most strongly reflected criminals. Fraud occurred frequently such as "gambling killing pig disk" and "single loan".
The noteworthy is that while multiple banks have lowered the online transaction limit of personal accounts, the Supreme People's Procuratorate and the Ministry of Public Security jointly supervised the Zhejiang "12.30" case, including 5 special cross -border telecommunications network fraud crimes.
In recent years, the procuratorial organs and public security organs have worked closely and cooperate, and they have combated telecommunications network fraud and their associated crimes in accordance with the law, strict, and full -chain, which has effectively safeguarded the legitimate rights and interests of the people. However, the current telecommunications network fraud crimes are still high, and the people are strongly reflected. In particular, the organizational personnel of fraud criminal groups went to overseas nests to perform fraud on ordinary people in the country, which seriously affected the sense of security of the people.
. According to reports, the five cases of the supervision and supervision of this time are all cases of cross -border telecommunications network fraud criminal groups. The victims have a wide range and a large number of people.
The procuratorial organs and public security organs will adhere to the overseas and online and the Internet, focusing on arrests and severe cracking down on criminal groups behind the "gold master" and backbone elements, especially to promote overseas fraudulent, extradition Repatriation work; comprehensively punish illegal criminal gangs that provide personal information, technical support, payment settlement and other help for criminal groups, resolutely eradicate the criminal den, and resolutely cut off the criminal chain. At the same time, the procuratorial organs and public security organs will run the entire process of supervision of the case supervision of the case, thoroughly investigate the flow of funds, timely freeze in accordance with the law, recover fraudulent funds, seize the disposal of the property involved, and urge the criminals to take the initiative to refund the loot and refund the compensation. With the greatest effort to maximize the loss of the people's property losses.
At the same time, Yan Zheng, the procuratorial organs and public security organs, warned that the criminals who had evaded legal sanctions to recognize the situation, do not have any luck, and return to China as soon as possible to surrender.