本报讯 记者王占平 通讯员贾天雨 为切实增强铁路从业人员反诈安全防范意识，太原铁路公安处近期开 展了主题为"防骗反诈 共筑和谐"的反电信网络诈骗宣传教育活动，成立了由专业民警组成的宣传小分 队，深入到铁路辖区内部25个站段单位、132个车间、84个工区，围绕高发诈骗案例、常见诈骗手段、 反诈防范技巧等核心内容，结合管内各铁路单位实际，开展反诈政策解读、案例剖析等针对性宣讲工 作。截至目前，已宣传覆盖职工7000余人，签订《反电信网络诈骗承诺书》6426份。 （来源：法治日报） 转自：法治日报 ...

风财眼致力于银行领域的原创报道，旨在履行媒体监督职责，以期共营健康的金融环境。 来源丨凤凰网财经《银行财眼》 "四川农信（四川农商银行）最离谱！凌晨点外卖银行卡被银行风控，需要到反诈中心解封。" 近日，有网友在社交平台发文称，由于晚上多次点外卖，导致银行卡被银行风控，需要去反诈中心盖章才能解封，还调侃称："晚上十点少点外卖！" 在其晒出的疑似风控通知的图片中，可疑交易说明一栏写着"主要是晚上凌晨点外卖次数较多被风控"。 在评论区，该网友还晒出了去反诈中心的后续进展。图片中审核意见一栏中已标注："经查，该账号未涉诈涉赌，建议解除"，并盖有当地反诈中心章 印。 以下文章来源于风财眼 ，作者银行财眼 风财眼 . 凤凰网财经《银行财眼》尝试通过私信联系该网友，但截至发稿时未获回复。 也有网友在评论区跟帖表示自己有类似经历，其月底在为网购平台结账时，收到来自四川农信"超过最大交易次数，可换卡支付"的通知。 资料显示，四川农村商业联合银行股份有限公司（四川农商银行）以四川省农村信用社联合社（四川农信）为基础改制而成，于2024年1月29日正式 挂牌开业，承继四川农信对全省农商银行的管理职能，是具有独立企业法人资格的地方性 ...

Group 1 - The core viewpoint of the article highlights the proactive measures taken by CITIC Bank's Jiaozuo branch to combat telecom and online fraud through targeted promotional activities [1][2] Group 2 - The bank organized a series of anti-fraud promotional activities focusing on different target groups, including enterprises, university students, and customers visiting bank branches [1] - For enterprises, the bank conducted customized anti-fraud lectures, emphasizing prevalent scams such as impersonation and financial fraud, aiming to enhance the financial security of both companies and employees [1] - The bank collaborated with local universities to implement a "Financial Knowledge into Campus" initiative, raising awareness among students about common scams like campus loans and online job fraud [1] - In bank branches, anti-fraud messaging was integrated into daily services, utilizing electronic screens and staff interactions to educate customers, particularly the elderly, about potential fraud risks [1] Group 3 - The promotional activities reached thousands of employees, students, and customers, receiving positive social feedback [2] - The bank plans to continue innovating its promotional methods and deepen collaboration with law enforcement to protect public financial security and maintain regional financial stability [2]

Core Viewpoint - Postal Savings Bank of China Suqian Branch is actively enhancing public awareness of anti-fraud and anti-money laundering measures through a comprehensive promotional campaign aimed at maintaining financial order stability [1][2] Group 1: Promotional Activities - The bank has organized a special campaign focusing on anti-telecom network fraud and anti-money laundering, utilizing various promotional measures to strengthen financial security [1] - In-branch promotional efforts include the use of televisions, posters, and banners to disseminate information about common fraud types, money laundering methods, and payment security knowledge [1] - A consultation desk has been established where professional staff provide answers to customer inquiries and explain the core content of the new Anti-Money Laundering Law [1] Group 2: Media Outreach - The bank is expanding its outreach through WeChat, official websites, and SMS platforms to regularly share policy interpretations, case analyses, and fraud prevention tips [1] - Employees are encouraged to share this information in social media groups to raise public awareness and ensure comprehensive coverage of anti-fraud and anti-money laundering knowledge [1] Group 3: Employee Training and Community Engagement - The bank is conducting multi-level training for employees to enhance their skills in identifying fraud and money laundering behaviors, thereby improving their professional service capabilities [2] - Employees are also actively promoting anti-fraud and anti-money laundering knowledge during customer interactions, emphasizing the societal dangers of participating in money laundering activities [2] - The promotional team is engaging with various community groups, including schools and businesses, through the distribution of informational materials and on-site explanations to ensure widespread financial safety knowledge [2] Group 4: Future Plans - The bank plans to continue reinforcing the effectiveness of its promotional efforts by innovating and diversifying its outreach methods, aiming for regular financial safety campaigns [2] - The ultimate goal is to protect public assets and contribute to maintaining financial order and a secure financial environment [2]

Core Viewpoint - Starting January 1, 2024, individuals withdrawing cash over 50,000 yuan will no longer face blanket inquiries regarding the source of funds, as per the new management measures issued by the People's Bank of China and other departments [1][2]. Group 1: Regulatory Changes - The new management measures eliminate the requirement for individuals to register the source of funds for cash withdrawals exceeding 50,000 yuan, addressing concerns over excessive scrutiny of normal financial activities [1]. - The measures aim to balance financial security with the need to avoid over-interference in citizens' regular financial transactions, thereby enhancing service quality [1]. Group 2: Risk Management and Technology - Banks will utilize big data, AI models, and customer profiling systems to identify unusual transaction patterns, moving away from manual inquiries to data-driven risk assessments [2]. - The management measures stipulate that banks will assess risk levels before deciding whether to inquire further about a transaction, ensuring that high-risk situations receive more scrutiny while low-risk transactions are simplified [2]. Group 3: Implementation Challenges - There is a need for clear operational guidelines for bank staff to assess the risk levels of cash withdrawals effectively, which requires the establishment of standardized risk assessment models [2]. - A streamlined complaint and correction mechanism is necessary to protect customers' rights when they are adversely affected by anti-fraud measures, ensuring that security measures do not compromise service quality [2].

Core Viewpoint - The central theme of the news is the release of the "Management Measures for Customer Due Diligence and Management of Customer Identity Information and Transaction Records" by the central bank, which emphasizes a risk-based approach to customer due diligence in financial institutions to balance anti-money laundering efforts with the optimization of financial services [1][3]. Group 1: Regulatory Framework - The new regulations require financial institutions to conduct customer due diligence based on customer characteristics and the nature of transactions to avoid mismatched measures against money laundering risks [1]. - The regulations aim to address complaints about excessive questioning by banks during cash withdrawals, which have raised social concerns [1][2]. Group 2: Distinction Between Anti-Money Laundering and Anti-Fraud - Industry experts highlight the differences between anti-money laundering (AML) and anti-fraud measures, noting that AML is governed by the Anti-Money Laundering Law, while anti-fraud efforts are based on the Anti-Telecom Network Fraud Law [1][2]. - The mechanisms for AML and anti-fraud differ, with AML focusing on customer due diligence and transaction monitoring, while anti-fraud measures are more reactive [2]. Group 3: Risk-Based Approach - The central bank emphasizes a "risk-based" principle in conducting customer due diligence, allowing for simplified measures for lower-risk situations and enhanced scrutiny for higher-risk scenarios [3][4]. - For example, pension accounts for elderly clients are often considered low-risk, requiring only basic identity verification, while unusual transaction patterns in a student's account may trigger further investigation [3][4]. Group 4: Importance of Customer Due Diligence - Customer due diligence is identified as a core component of financial institutions' obligations to combat money laundering and is crucial for identifying suspicious activities [4][5]. - The complexity and concealment of money laundering methods necessitate rigorous customer due diligence to prevent financial crime [5]. Group 5: Privacy Concerns - Experts assert that customer due diligence, aimed at protecting public interest, does not conflict with personal privacy rights [6][7]. - Financial institutions are required to gather necessary customer information within reasonable limits to prevent misuse of the financial system, aligning with international standards [6][7]. Group 6: Balancing Security and Convenience - The challenge of balancing security and convenience in financial services is highlighted, with the new regulations aiming to address this tension by promoting a risk-based approach [8]. - The management measures encourage financial institutions to provide services while ensuring adequate security against money laundering and related crimes [8].

Core Viewpoint - The central theme of the news is the introduction of a new regulatory framework that emphasizes risk-based customer due diligence in financial institutions, removing the rigid requirement for cash transactions above a certain amount to register the source or purpose of funds [1][5]. Group 1: Regulatory Changes - The new regulation, titled "Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Management," was released by the central bank, financial regulatory authority, and securities regulatory commission on November 28 [1]. - The regulation aligns with previous drafts and focuses on balancing anti-money laundering (AML) risk prevention with the optimization of financial services [1][5]. Group 2: Risk-Based Due Diligence - The regulation mandates financial institutions to conduct customer due diligence based on the risk profile of clients, avoiding a one-size-fits-all approach [2]. - Financial institutions are required to simplify due diligence for clients with low money laundering risks while implementing enhanced measures for high-risk scenarios [2][5]. - For example, routine transactions from clients with stable income sources do not require extensive documentation, while unusual large transactions trigger a need for further investigation [3]. Group 3: Balancing Security and Convenience - The implementation of customer due diligence may raise public concerns regarding privacy and the legitimacy of information requests [4]. - There is a need to balance the demand for quick financial services with the necessity of ensuring fund security, especially in light of rising financial crimes [4][5]. - The regulation aims to address this balance by allowing necessary due diligence while protecting personal privacy, in line with international standards [5]. Group 4: Distinction Between AML and Fraud Prevention - The news highlights the distinction between anti-money laundering efforts and anti-fraud measures, clarifying that they operate under different legal frameworks and objectives [6]. - Anti-money laundering focuses on preventing and curbing money laundering activities, while anti-fraud measures target the prevention and punishment of telecom and internet fraud [6].

Core Viewpoint - The People's Bank of China has released the "Management Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Retention" emphasizing a risk-based approach to customer due diligence, balancing anti-money laundering (AML) risk prevention and the optimization of financial services [1][2]. Group 1: Risk-Based Approach - The management measures require financial institutions to conduct customer due diligence based on customer characteristics and the nature of transaction activities, avoiding measures that are clearly mismatched with the money laundering risk status [1][3]. - The measures aim to address the tension between the public's desire for convenient financial services and the need for security against rising criminal activities such as telecom fraud and online gambling [1][2]. Group 2: Simplified Measures for Low-Risk Situations - Financial institutions are instructed to adopt simplified measures for low money laundering risk scenarios, while implementing enhanced due diligence for high-risk situations [3][4]. - For example, if a customer's income source is clear and transactions are stable, banks may only require basic identity verification without additional documentation [4]. Group 3: Privacy Protection and Due Diligence - The management measures highlight that conducting customer due diligence does not conflict with personal privacy protection, as it is essential for preventing the financial system from being exploited by criminal activities [5][6]. - Financial institutions are required to maintain confidentiality of customer identity and transaction information obtained during due diligence, with legal consequences for violations [7]. Group 4: Distinction Between Anti-Money Laundering and Fraud Prevention - There is a clear distinction between anti-money laundering efforts and anti-fraud measures, with each having different legal bases, methodologies, and objectives [7]. - Anti-money laundering relies on customer due diligence and transaction monitoring, focusing on preventive measures tailored to specific risk scenarios [7].

Core Points - A doctor in Hunan reported that her and her husband's China Mobile phone numbers were inexplicably suspended due to "fraud-related" issues, causing significant disruption to their work and communication with patients [2][5] - The couple faced difficulties in restoring their phone service, as the local service center could not handle requests for numbers registered in other cities, requiring them to travel to the original registration location [2][6] - The customer service responses varied, with some representatives stating that a police clearance was necessary for reinstatement, while others indicated that it could be done without such documentation [6][7] Summary by Sections Incident Description - The incident began on October 12 when the husband's phone was suspended during a surgery due to being flagged for fraud [2] - Following this, the wife's phone was also suspended, citing "abnormal usage" as the reason [5] Customer Service Experience - Multiple calls to customer service revealed inconsistent information regarding the reinstatement process, with some representatives stating that a police clearance was required while others did not [6] - The couple was informed that they needed to visit specific service centers in Changsha to resolve the issue, which was inconvenient given their location in Hunan [6][7] Regulatory Context - According to the Anti-Telecom Fraud Law, telecom operators are required to conduct re-verification for users flagged for fraud-related activities [7] - The couple eventually received a message allowing for online verification, but the wife still faced challenges in restoring her service [7] Broader Implications - Similar cases have been reported, indicating a pattern of users experiencing forced suspensions due to perceived fraud risks, often without clear communication or justification from the service providers [8][9] - Experts have pointed out the need for clearer standards and processes regarding the criteria for suspending services and the reinstatement procedures [10][13]

Core Viewpoint - The article highlights the efforts of China CITIC Bank to educate the public on preventing telecom network fraud through various promotional activities and community engagement initiatives [1][2]. Group 1: Public Awareness Campaign - China CITIC Bank's Hongdu North Avenue branch launched a theme campaign titled "National Anti-Fraud, Protecting the Public's Wallet" in October to enhance public awareness of telecom fraud prevention [1]. - The campaign included posting posters, distributing brochures, and using electronic LED screens to display anti-fraud slogans, as well as encouraging the public to download the National Anti-Fraud Center App [1]. Group 2: Community Engagement - The bank collaborated with nearby branches to conduct outreach activities at Nanchang Bayi Sports Park, educating local residents about the "Anti-Telecom Network Fraud Law" and payment security [2]. - The campaign emphasized the importance of payment safety with the message "Do not listen, do not believe, do not transfer" [2]. - Interactive activities, such as a fun quiz on anti-fraud knowledge, were organized, with small gifts awarded to participants, resulting in positive community engagement [2]. Group 3: Ongoing Commitment - The bank plans to continue fulfilling its social responsibility by regularly conducting anti-telecom fraud awareness activities to deepen public understanding of telecom fraud risks [2].