Nan Fang Du Shi Bao·2025-07-02 12:40Core Viewpoint - The article highlights the challenges faced by banks in Zhuhai regarding the stringent account opening processes aimed at preventing fraud and money laundering, leading to varied customer experiences and service quality across different bank branches [1]. Group 1: Bank Evaluation - A survey was conducted at seven banks in Zhuhai to assess the compliance and efficiency of their account opening processes, focusing on four dimensions: service efficiency, compliance, fraud prevention execution, and service quality [1]. - The evaluation revealed a significant disparity in performance among the banks, with scores ranging from a high of 95 to a low of 55, indicating that some banks excelled in service quality while others struggled with lengthy processes and excessive restrictions [1]. Group 2: Specific Case Study - Citic Bank - The evaluation of Citic Bank's Zhuhai Gongbei branch showed a total processing time of approximately 20 minutes for opening a type one savings account [3]. - During the process, the bank staff initially attempted to persuade the reporter to open a type two card instead, citing a low transfer limit of 1,000 yuan, which did not meet the reporter's needs [5]. - The staff required the reporter to provide social security information to verify eligibility for the account, emphasizing the need for continuous and stable social security contributions [5]. - The bank's system was reported to have outdated information regarding transfer limits, with the staff stating that the current limit was 1,000 yuan, despite the application showing a minimum option of 5,000 yuan [6]. - The process included mandatory downloads of the bank's app and registration for a mini-program, raising concerns about potential forced registration practices [7].