银行开卡不应变成“开盲盒”，风险防控也要践行“金融便民”

Core Viewpoint - The difficulty in opening bank accounts and the inconsistency in service quality across different bank branches highlight a significant issue in the banking sector, where risk prevention measures often conflict with customer convenience [1][3][5]. Group 1: Service Experience - A recent evaluation by Southern Metropolis Daily revealed that only one out of seven reporters successfully opened a bank account, with experiences varying drastically from 10 minutes to over an hour, and daily transfer limits ranging from 1,000 to 50,000 yuan [1][3]. - The inconsistency in account opening procedures and requirements across different banks leads to a "lottery-like" experience for customers, with varying documentation demands and transaction limits [4][5]. Group 2: Risk Management vs. Customer Convenience - The banking industry's approach to risk management has become overly stringent, with some branches implementing excessive restrictions that hinder legitimate customer needs under the guise of risk prevention [3][5]. - The lack of standardized guidelines for account opening processes results in frontline staff relying on personal judgment, creating uncertainty for customers [4][5]. Group 3: Public Sentiment and Reactions - Public feedback on social media reflects frustration over the difficulties in opening accounts, with some comments defending bank staff while others criticize the service quality [3][5]. - The ongoing challenges in account opening processes indicate a need for a collaborative effort among regulatory bodies, financial institutions, and consumer associations to develop more precise policies that balance risk management and customer service [5][6].