可见，存取超5万元不问来源与用途，绝不意味着放松反洗钱、反诈要求，或偏颇概括为从超5万 元"逢取必问"走向"不闻不问"。取消这一规定，相当于银行不必再机械性地被动执行合规要求，而是转 为主动识别风险。如新闻所提到的，若一大学生突然收取多笔跨省转账后，又集中大额转出，面对这 种"异常交易"，银行就必须启动"强化调查"，这意味着对银行的风险研判、技术支撑和方案制定等能力 提出了更高要求。因此，挑战也才刚刚开始，未来各个银行将以何种方式实现安全和便利的平衡，大数 据分析、AI模型等技术将如何发挥作用，仍有待观察。 这样的松绑不仅站在储户的角度是必要的，对于金融机构本身也是必然趋势。毕竟，动辄对着储户 问"十万个为什么"意味着监管效能低下，这样的金融服务久而久之也会失去储户的信任。未来，如何落 实好这一新规，也需要有关部门严格按照要求对地方金融机构进行监管，真正做到不搞层层加码，让反 诈、反洗钱工作更好地守护公众财产安全。 2022年，针对自然人客户单笔存取5万元以上现金的反洗钱监管规则，曾引发广泛社会争议，规定 明确:商业银行等金融机构为自然人客户办理人民币单笔5万元以上现金存取时，应当识别并核实客户身 份，了解并 ...

专家表示，管理办法围绕"基于风险"的核心原则，要求金融机构根据客户特征和交易活动的性质、风险状况开展客户尽职调查，避免采取与洗钱风险状况 明显不匹配的措施，平衡好洗钱风险防控和优化金融服务的关系。 中国人民银行、金融监督管理总局、中国证监会11月28日发布《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》。 "此时银行就需要多加关注，采取措施了解、核实交易背景，一旦有合理理由怀疑涉嫌洗钱和相关犯罪的情况，需要及时依法采取相关措施。"上述工作人 员说。 关于客户尽职调查的目的和意义，业内人士表示，客户尽职调查是金融机构履行反洗钱义务的核心环节，也是识别异常情形、阻断洗钱活动的重要防线。 随着对洗钱及相关犯罪的监测和打击力度不断增强，犯罪分子利用金融渠道进行洗钱的方式更加复杂、隐蔽。业内专家表示，在实际案例中，不法分子组 织批量开户、控制他人银行和第三方支付账户转移资金、安排人员多次分散取现等做法并不鲜见。通过伪装业务场景、分拆交易、复杂化资金流转路径 等，规避监测打击。这无疑对金融机构反洗钱工作提出了更高要求。 在类似上述的较高风险情形下，金融机构仅凭借留存的客户身份信息和后台资金监测，难以及时、准确 ...

Core Viewpoint - The article emphasizes the need for precise anti-fraud measures to avoid unnecessary inconvenience to the public while effectively combating telecom network fraud [1][2][3] Group 1: Current Issues in Anti-Fraud Measures - There has been an increase in over-execution and "one-size-fits-all" approaches in anti-fraud efforts, leading to public inconvenience such as excessive questioning during bank transactions and the need for proof of innocence for phone number reactivation [1] - The root cause of these issues lies in the "lazy governance" mindset, where responsibilities are shifted to the public, resulting in a distortion of policy execution [1] Group 2: Legal and Procedural Framework - Anti-fraud measures must adhere to legal frameworks, such as the Anti-Telecom Network Fraud Law, and should not impose additional requirements without legal authorization [2] - Proper procedures must be followed to ensure the public's right to be informed, appeal, and seek redress, with measures being necessary and minimally damaging to public rights and convenience [2] Group 3: Technological Solutions - Technology plays a crucial role in achieving precise anti-fraud measures, with AI and big data providing viable paths for risk assessment and intervention [2] - The shift from broad measures to targeted interventions is essential for balancing security and convenience, allowing for effective fraud prevention while minimizing disruption to the public [2] Group 4: Importance of Public Trust - The effectiveness of anti-fraud work relies on genuine public understanding and support, necessitating a focus on legal principles and precise measures to avoid "collateral damage" [3] - Balancing property security and the protection of legitimate rights is critical for maintaining public trust in anti-fraud initiatives [3]

江南时报讯 "您好，我的银行卡被扣了两笔钱，一笔2999元，一笔1999元，对方说不按他说的做， 每个月都会扣钱！"周五下午，南通海安开发区支行的服务台前，一位年轻的女性客户举着手机，声音 带着哭腔，手机屏幕上还显示着陌生"客服"发来的"连续扣款通知"。 离开时，张女士连连道谢："多亏你，不仅帮我及时止损，还教会我怎么防骗！"小邓笑着把宣传册递给 她："守住'钱袋子'，记得多给身边人提个醒。" 网点客服经理小邓见状让客户坐下，一边查询银行卡流水，一边安抚客户慢慢说。原来，张女士上周在 一款美妆APP上点击试用"免费小样"，没细看条款就勾选了"自动续费"。当天就收到了150元扣款短 信，联系客服时，对方称"账户异常需解冻"，发来链接让其填写银行卡号、短信验证码。在情急之下， 客户照做，当场被扣走2999元和1999元。随后，客户再次被催转3000元"验证金"，这才察觉被骗。 处理完紧急事宜，客服经理小邓拿出防诈宣传册，结合张女士的遭遇讲解："试用'免费服务'一定要取 消'自动续费'勾选；官方客服从不会要短信验证码，这是支付'钥匙'；如遇扣款纠纷，应直接联系官方 客服，千万别点陌生链接。"此外，还帮张女士下载了国 ...

Group 1 - The core message of the news is the importance of enhancing financial security awareness among university students to protect their assets from money laundering and fraud [1][2] - The event titled "Guarding Youth, Staying Away from Money Laundering Traps" was organized by Industrial Bank Urumqi Branch in collaboration with local law enforcement to provide practical financial safety education [1] - The police presented real-life cases of new fraud methods, emphasizing the legal risks associated with lending or renting out bank cards, and advised students to adhere to the "three no's" principle: do not disclose personal information, do not click on unknown links, and do not transfer money blindly [1] Group 2 - An interactive segment featuring a "Rabbit Officer" engaged students, making the atmosphere lively and facilitating learning through case discussions and knowledge quizzes [2] - The bank distributed a "Fraud Prevention Handbook" that includes practical knowledge on common scams and emergency response procedures, serving as a personal safety guide for students [2] - The event combined professional financial knowledge with engaging activities, aiming to educate students and extend the impact to their families and the broader community, thereby promoting a safer campus and stable financial environment [2]

目前，"一键查卡"已支持查询用户在493家银行的银行卡开立情况，其中包括18家全国性商业银行和各 省份的475家区域性商业银行。截至目前，该功能已服务超2000万用户。 为进一步保障金融消费者资金安全和合法权益，中国银联联合商业银行，持续优化云闪付APP上"一键 查卡"功能。目前该服务已支持查询用户在近500家银行的银行卡开立情况，为公众高效管理个人银行账 户提供有力的抓手。 着眼"睡眠账户"的规范管理，云闪付"一键查卡"功能不仅是一项便民服务，更对提升全民金融安全意识 具有积极意义。当前，一键查卡功能已被中宣部、公安部、工信部、人民银行等部委评为八大反诈利器 之一，助力筑牢防范资金风险、保护民众"钱袋子"的有效防线，构建安全、稳定、健康的金融环境。 近期，多家商业银行发布"睡眠账户"管理相关公告。着眼于便利社会公众全面、便捷地掌握个人银行卡 账户开立账户情况，在中国人民银行指导下，中国银联联合商业银行在2021年12月开始为用户提供便捷 查询名下银行卡账户的服务，在确保信息安全的前提下，方便人民群众直接掌握个人名下银行卡信息， 强化自身银行卡管理。 用户可以点击打开云闪付APP，在搜索框中输入"一键查卡"， ...

Core Viewpoint - The issue of "false positives" in anti-fraud measures is becoming a significant challenge for the banking industry, necessitating the breaking down of "information silos" between banks to achieve precise prevention [1][9]. Group 1: Incident Overview - A lawyer faced difficulties withdrawing cash at a bank due to anti-fraud measures, highlighting the growing public concern over the impact of these measures on ordinary citizens [2]. - The lawyer's experience reflects a broader trend where individuals face increased scrutiny for transactions, with many reporting similar issues affecting their daily financial activities [2][3]. Group 2: Anti-Fraud Measures and Their Impact - Anti-fraud measures are evolving from targeting large transactions to affecting smaller, routine transactions, increasing the likelihood of "false positives" [3][7]. - The banking sector is under pressure to balance effective fraud prevention with customer convenience, as stricter measures can lead to user dissatisfaction [7][8]. Group 3: Current Fraud Landscape - The landscape of telecom fraud is increasingly severe, with a notable rise in cases involving "two cards" (bank cards and phone cards), indicating a persistent high level of criminal activity [4][5]. - The characteristics of individuals involved in fraud cases show a trend of younger, less educated, and lower-income participants, with technology playing a significant role in the evolution of fraud tactics [5][6]. Group 4: Technological Solutions and Industry Response - Financial institutions are exploring partnerships with technology firms to enhance their fraud detection capabilities through advanced AI models, aiming to reduce the incidence of "false positives" while maintaining effective risk management [9][10]. - The need for improved data sharing and technological integration among banks is emphasized as a critical step toward resolving the challenges posed by anti-fraud measures [9][10].

Core Viewpoint - The incident highlights the effective response of a bank branch in rescuing a customer from a fraud situation, showcasing the importance of vigilance and teamwork in the banking sector [1][2][3] Group 1: Incident Overview - A customer at the bank was found to be under duress from a criminal gang, prompting bank employees to take immediate action [1] - The customer discreetly communicated their perilous situation through a handwritten note, indicating they were being forced to launder money [1][2] Group 2: Response Actions - Bank employees utilized a pre-established code to alert management, who then activated an emergency response plan [2] - The bank staff continued normal operations to buy time while the police were notified, demonstrating strategic thinking under pressure [2] Group 3: Outcome and Recognition - Police arrived promptly, leading to the arrest of two suspects and preventing any financial loss to the customer [2] - The actions of the bank employees were commended by the police for their professionalism and quick thinking, reflecting the growing responsibility of financial professionals in combating fraud [3]

事发当日10时29分，衢州市公安局智造新城分局东港派出所民警在日常工作中察觉到，市民张先生正面临被诈骗的巨大风险，其名下资金随时可能落入诈骗 分子之手。事态紧急，值班民警朱晓鹏和辅警祝王宇迅速响应，立即驱车赶往张先生可能出现的区域。10时42分，朱晓鹏和祝王宇在衢江区天湖南路成功找 到了张先生。当时，张先生车辆副驾驶座位上已备妥90万元现金，正准备与诈骗人员碰面。 在民警近两个小时的耐心劝说下，张先生终于认清骗局，配合警方提供了诈骗分子的相关信息。掌握关键线索后，相关部门迅速展开侦查，当天14点，民警 在交易地点成功抓获正在等待取现的嫌疑人吴某；随后，在杭州市公安局的协助下，同案人员范某也被顺利抓获。 衢州市公安局智造新城分局东港派出所民警 朱晓鹏：见面之后，他比较抗拒我们的询问，一直说这个钱是拿来做彩礼的，明天还会再转100万元，我们就感 觉问题很严重。 本文转自【央视新闻客户端】； 经核实，张先生此前在某虚假App中进行理财投资，已深陷骗局。更为揪心的是，手机上诈骗分子仍在不断发送消息，教唆张先生躲避警方调查，甚至要求 他次日再取现100万元继续投资。 近日，浙江衢州警方展开了一场与时间赛跑的反诈极速救援 ...

Core Viewpoint - Recent incidents of banks questioning the purpose of cash withdrawals below 50,000 yuan in Dongying, Shandong, have raised public concern about the implementation of anti-fraud measures in banking practices [1][3] Group 1: Regulatory Changes - The People's Bank of China, along with other financial regulatory bodies, has proposed a new draft regulation that aims to relax the previous requirement for cash withdrawals over 50,000 yuan to disclose the source and purpose of funds, effective from August 4, 2025 [4][10] - The previous regulation, which mandated that cash transactions over 50,000 yuan be documented for their source and purpose, was met with criticism and is now being reconsidered to balance fraud prevention with customer convenience [9][11] Group 2: Regional Variations in Banking Practices - A survey conducted across various provinces revealed significant discrepancies in the requirements for cash withdrawals, with some banks enforcing strict verification processes for amounts as low as 10,000 yuan [5][6] - In Dongying, banks like the Industrial and Commercial Bank of China and China Construction Bank have implemented stringent measures, such as requiring identification and purpose verification for withdrawals exceeding 20,000 yuan [6][8] - Conversely, some banks in regions like Anhui and Zhejiang have higher thresholds for questioning the source of funds, with some not requiring any verification for withdrawals below 50,000 yuan [7][8] Group 3: Impact on Customers - The stringent measures are primarily aimed at protecting elderly customers from fraud, as there have been numerous cases of scams targeting this demographic [6][7] - The inconsistency in withdrawal policies across different regions may lead to confusion and frustration among customers, highlighting the need for clearer guidelines from regulatory authorities [5][6]