Nan Fang Du Shi Bao·2025-07-02 13:26Core Viewpoint - The evaluation of seven banks in Zhuhai revealed significant disparities in their card issuance processes, with some banks excelling in service quality while others faced criticism for excessive restrictions and inefficiencies [1][3][6]. Group 1: Evaluation Results - The evaluation showed a clear tiered scoring among the banks, with China Merchants Bank and Xiamen International Bank both achieving the highest score of 95, demonstrating effective risk management and customer service [6][16]. - The lowest score was 55, attributed to banks like China Everbright Bank and Shanghai Pudong Development Bank, which exhibited lengthy processes and excessive restrictions on transaction limits [7][12][16]. Group 2: Efficiency and Process - The time taken to open a bank account varied significantly, with the fastest being 10 minutes at Xiamen International Bank, while some banks took up to 64 minutes due to inefficient processes [11][12][13]. - The average waiting time and processing time for account opening were inconsistent across different banks, highlighting a lack of standardization in service efficiency [11][26]. Group 3: Compliance and Service Quality - Overall compliance performance was strong, with four banks receiving full marks for not engaging in bundling sales or requiring unnecessary app downloads [16][17]. - However, some banks, such as China Everbright Bank and China CITIC Bank, faced criticism for requiring customers to follow social media accounts or download apps, negatively impacting user experience [17][21][22]. Group 4: Transaction Limits - The initial transaction limits varied widely, with Xiamen International Bank allowing a limit of 50,000, while others like China CITIC Bank set limits as low as 1,000 [22][24]. - The inconsistency in transaction limits reflects the banks' varying interpretations of regulatory guidelines aimed at preventing fraud and money laundering [22][23][24]. Group 5: Documentation Requirements - The documentation required for account opening was not standardized, leading to confusion and delays as different banks requested varying levels of information [26][27][30]. - This lack of uniformity in documentation requirements contributed to a frustrating experience for customers, as they faced different expectations at each bank [26][30].