Core Viewpoint - The article highlights the increasing concerns of merchants in the Shui Bei gold and jewelry market regarding account freezes due to fraud-related activities, exacerbated by the rise in money laundering through gold transactions and the enforcement of anti-fraud measures [6][10][12]. Group 1: Fraud and Account Freezes - Merchants in Shui Bei have faced numerous account freezes due to suspected involvement in fraud, with cases reported frequently in recent years [6][9]. - A specific case involved a merchant named Feng Feng, whose account was frozen after a transaction with a buyer who turned out to be involved in a fraud scheme [5][12]. - The phenomenon of account freezes is attributed to the "断卡行动" (Card Cutting Action) initiated in 2020, which increased scrutiny on financial transactions, particularly in high-value gold trading [9][10]. Group 2: Legal and Regulatory Context - The article discusses the legal framework surrounding account freezes, emphasizing that banks and payment institutions are required to take preventive measures against suspicious transactions [23]. - Legal experts note that the current anti-fraud measures may lack precision, often leading to the freezing of multiple accounts associated with a single suspected transaction [25][26]. - The need for stricter identification and verification processes for transactions over a certain amount is highlighted as a necessary step to mitigate risks [26]. Group 3: Merchant Experiences and Challenges - Merchants like Chen Chen have shared experiences of multiple account freezes, indicating a widespread issue within the Shui Bei market [7][9]. - The article notes that many merchants rely on experience to identify potential fraud, but this approach is often insufficient [22]. - The challenges faced by merchants include not only the operational impact of frozen accounts but also the lengthy process required to resolve these issues and restore account access [24][26]. Group 4: Recommendations for Prevention - Experts recommend implementing comprehensive risk management strategies, including strict adherence to real-name transactions and thorough verification of transaction parties [26]. - Merchants are advised to maintain detailed records of transactions and communications to facilitate the resolution of any disputes arising from account freezes [26]. - The importance of using corporate accounts for transactions to separate business and personal financial risks is emphasized [26].

Core Viewpoint - The article highlights the increasing concerns of merchants in the Shui Bei gold and jewelry market regarding account freezes due to fraud-related activities, exacerbated by the rise in money laundering through gold transactions and the enforcement of anti-fraud measures [4][9][18]. Group 1: Fraud and Account Freezes - Merchants in Shui Bei are facing account freezes due to suspected involvement in fraud, with many reporting similar experiences of having their bank accounts and payment platforms restricted [2][4][9]. - The phenomenon of account freezes is linked to the "断卡行动" (Card Cutting Action) initiated in 2020, which aims to combat telecom and online fraud, leading to increased scrutiny of large transactions in the gold market [5][6][10]. - Legal experts note that the combination of gold and virtual currencies has made it easier for criminals to launder money, complicating the tracking of illicit activities [7][10][18]. Group 2: Impact on Merchants - The freezing of accounts significantly disrupts business operations for merchants, as they rely on large transactions for buying and selling gold [9][10][11]. - Merchants report that the freezing of accounts can extend to multiple payment methods, severely impacting their daily operations and personal finances [2][4][9]. - The article mentions specific cases of merchants, such as冯丰 and 陈晨, who experienced account freezes due to transactions that were later linked to fraudulent activities [3][4][9]. Group 3: Regulatory and Preventive Measures - The article discusses the need for stricter regulations in the gold trading market, including mandatory real-name registration for transactions exceeding a certain amount [15][20]. - Industry associations and law enforcement are collaborating to enhance security measures and provide training to merchants on fraud prevention [14][15][20]. - Experts suggest that merchants should implement comprehensive risk management strategies, including thorough identity verification and transaction monitoring, to mitigate the risk of account freezes [20][21][22].

Core Viewpoint - The article highlights the increasing concerns of merchants in the Shui Bei gold and jewelry market regarding account freezes due to fraudulent activities, emphasizing the challenges posed by money laundering and the need for enhanced anti-fraud measures in the industry [6][11][21]. Group 1: Account Freezing Incidents - Merchants in Shui Bei are facing account freezes due to suspected involvement in fraud, with cases reported where funds were frozen for transactions linked to fraudulent activities [4][12][21]. - The phenomenon of account freezing has become common among Shui Bei merchants, with many experiencing multiple incidents over the past few years [7][8][11]. - The "断卡行动" (Card Cutting Action) initiated in 2020 has intensified scrutiny on large transactions, leading to increased freezing of accounts involved in gold trading [8][11][12]. Group 2: Legal and Regulatory Context - The legal framework allows for the freezing of accounts suspected of fraud, with banks and payment institutions required to take preventive measures against suspicious transactions [21][23]. - Legal experts note that the current anti-fraud measures may lack precision, often leading to the freezing of legitimate accounts alongside fraudulent ones [23][24]. - The need for stricter regulations and better enforcement of identity verification in gold transactions has been emphasized to mitigate risks [17][25]. Group 3: Merchant Experiences and Challenges - Merchants report significant operational disruptions due to account freezes, affecting both business transactions and personal finances [11][22]. - Many merchants lack adequate risk management practices, often relying on experience rather than formal procedures to identify potential fraud [20][24]. - The prevalence of cash transactions and informal payment methods in the Shui Bei market increases vulnerability to money laundering activities [19][20]. Group 4: Recommendations for Improvement - Experts recommend implementing strict identity verification and transaction monitoring for high-value trades to prevent account freezes [24][25]. - Merchants are advised to maintain comprehensive records of transactions and communications to facilitate the unfreezing process if their accounts are mistakenly frozen [25]. - The establishment of a more robust risk management framework within the industry is crucial to protect merchants from the adverse effects of fraudulent activities [24][25].