每经热评丨取款过万元就要被盘问用途？反诈需兼顾安全与效率

Core Viewpoint - The article highlights the tension between anti-fraud measures and individual privacy rights, illustrating how local policies may contradict national regulations, leading to excessive scrutiny of legitimate transactions [1][2][3]. Group 1: Anti-Fraud Measures - In 2022, the People's Bank of China and other departments mandated that cash transactions over 50,000 yuan require customer identity verification and purpose disclosure, but local anti-fraud centers have reduced this threshold to 10,000 yuan, creating a "local policy" that contradicts national guidelines [2][3]. - The article argues that the current anti-fraud measures have transformed from precise targeting to a broad, indiscriminate approach, likening it to a "shotgun" rather than a "sniper rifle," which could hinder legitimate transactions [2][3]. Group 2: Impact on Transaction Costs - Increased scrutiny from anti-fraud measures raises transaction costs, leading to a cost-benefit imbalance for consumers, as seen in the case of the lawyer who faced delays and privacy invasions during a simple withdrawal [3][4]. - The systemic friction caused by these measures can lead to a "chilling effect" on market activity, reducing the efficiency of resource allocation and harming the inclusivity and convenience of the financial system [3][4]. Group 3: Privacy Concerns - The article raises concerns about the erosion of personal rights, as consumers are subjected to invasive questioning about their financial activities without clear evidence of wrongdoing [4][5]. - The lack of clear accountability between banks and anti-fraud centers exacerbates the issue, as both parties deflect responsibility for the invasive practices [3][4]. Group 4: Recommendations for Improvement - To address the current challenges, the article suggests a shift from broad anti-fraud strategies to more precise, technology-driven approaches that respect consumer privacy while effectively preventing fraud [5][6]. - Key recommendations include standardizing policies to eliminate excessive local regulations, leveraging technology for seamless risk control, and clarifying responsibilities among stakeholders to create positive incentives [5][6].