作为国内最大的黄金珠宝交易集散地，水贝正被非法分子瞄准。 11月1日，冯丰（化名）正常在水贝营业，突然收到银行的一则冻结通知。 智通财经记者 | 何柳颖 "一次是去年中秋节前，涉案资金2000元，被江苏警方冻结了三天后改为限制非柜面交易，沟通半个月后终于拿到警方出具的解控函，银行依函件解除风 控。但期间微信支付也被冻结，几经辗转才联系到客服解决，后来发现名下社保卡也被冻结。第二次是去年国庆前，卖黄金收到2万多元，贵州警方要求到 当地处理，半个月后电话联系我，并让我退款或部分退款，我拒绝了，后来银行卡成功解冻。"陈晨回忆称。 冯丰赶紧联系银行客户经理，客户经理告之，其银行资金5万元已被冻结，冻结时间半年，具体需要联系新疆方面公安局。 智通财经记者了解到，近年来因涉诈被冻卡的水贝商户不在少数。事实上，利用黄金"洗钱"的现象长期存在，而伴随近年来"断卡行动"的有力推进，叠加虚 拟货币等洗钱问题愈加突出，黄金交易涉诈情况更显严峻。 当前，我国反诈反洗钱力度不断加强，在这一大背景下，水贝商户的冻卡忧虑日益加剧。这场集体困境，是否有解法？ 大小商户先后中招 经与警方联系后，冯丰才意识到，是半个月前的一笔交易因涉诈而触发了 ...

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 作为国内最大的黄金珠宝交易集散地，水贝正被非法分子瞄准。 11月1日，冯丰（化名）正常在水贝营业，突然收到银行的一则冻结通知。 冯丰赶紧联系银行客户经理，客户经理告之，其银行资金5万元已被冻结，冻结时间半年，具体需要联 系新疆方面公安局。 经与警方联系后，冯丰才意识到，是半个月前的一笔交易因涉诈而触发了冻结。 据冯丰回忆，当时，一名自称郭总的人通过企业微信号联系上他，郭总很快选购了一个古法金葫芦、一 只古法手镯，共计53克，金额总计54004元。郭总先是通过银行卡转账了5万元，并称"卡限额了，剩下 的4000块钱，支付宝转你"，两笔款项到账后，冯老板安排了顺丰快递送货。本以为尘埃落定的一单交 易，没想到却成为了诈骗案件的其中一环："洗钱"。 智通财经记者了解到，该名郭总的微信号绑定的企业名为"广州明瑜投资有限责任公司"，智通财经记者 查询天眼查信息显示，该公司已于2022年5月被列入经营异常名录。智通财经记者致电办案警官，对方 表示无法透露具体信息。 令冯丰意外的是，受涉案卡影响，其名下其他银行卡以及微信支付也处于被限制使用状态。他立刻 ...

智通财经记者 | 何柳颖 作为国内最大的黄金珠宝交易集散地，水贝正被非法分子瞄准。 11月1日，冯丰（化名）正常在水贝营业，突然收到银行的一则冻结通知。 当前，我国反诈反洗钱力度不断加强，在这一大背景下，水贝商户的冻卡忧虑日益加剧。这场集体困境，是否有解法？ 大小商户先后中招 在水贝经营多年的陈晨告诉智通财经记者，他"中招"了两次。 冯丰赶紧联系银行客户经理，客户经理告之，其银行资金5万元已被冻结，冻结时间半年，具体需要联系新疆方面公安局。 经与警方联系后，冯丰才意识到，是半个月前的一笔交易因涉诈而触发了冻结。 据冯丰回忆，当时，一名自称郭总的人通过企业微信号联系上他，郭总很快选购了一个古法金葫芦、一只古法手镯，共计53克，金额总计54004元。郭总先 是通过银行卡转账了5万元，并称"卡限额了，剩下的4000块钱，支付宝转你"，两笔款项到账后，冯老板安排了顺丰快递送货。本以为尘埃落定的一单交 易，没想到却成为了诈骗案件的其中一环："洗钱"。 智通财经记者了解到，该名郭总的微信号绑定的企业名为"广州明瑜投资有限责任公司"，智通财经记者查询天眼查信息显示，该公司已于2022年5月被列入 经营异常名录。智通财经记者 ...

Core Viewpoint - The article highlights the illegal trade of bank cards, which poses significant risks as these cards are often used for money laundering and fraud activities. The allure of quick financial gain through renting or selling bank cards is overshadowed by the potential legal consequences for individuals involved in such transactions [1][3][4]. Group 1: Illegal Activities and Risks - The illegal acquisition and rental of bank cards are prevalent on social media platforms, with intermediaries enticing cardholders with offers of high prices for their cards [3][4]. - Intermediaries often set specific criteria for the bank cards they acquire, focusing on non-counter transaction limits and foreign exchange capabilities, which facilitate large-scale fund transfers and illegal activities [5][6]. - The actions of these intermediaries are classified as typical criminal activities, contributing to serious disruptions in financial order and public safety [4][6]. Group 2: Financial Implications - The price for buying out a bank card can reach up to 6,000 yuan, with intermediaries offering short-term rental options based on transaction limits [3][5]. - Cards with higher non-counter transaction limits are prioritized for use in large fund transfers, while others may serve as intermediaries for fund distribution [6][7]. - The ability to conduct foreign exchange transactions is also a critical factor, as it allows for the accumulation of significant amounts of foreign currency through multiple acquired cards [5][7]. Group 3: Regulatory Response - Regulatory authorities have intensified efforts to combat the illegal trade of bank cards, launching nationwide operations to crack down on such activities [8]. - Recent cases illustrate a lack of awareness among individuals regarding the legal repercussions of participating in the illegal bank card market, leading to criminal charges against those involved [9][10]. - Recommendations for improving regulatory measures include enhancing real-time monitoring of social media for illegal activities and implementing educational programs to inform potential offenders about the risks and legal consequences of selling or renting bank cards [10][11].

Core Viewpoint - The rise of information network crimes, particularly "helping information network crime" (referred to as "帮信罪"), has become a significant issue, with a notable increase in cases involving young offenders, prompting legal reforms to address these challenges [1][2]. Group 1: Legal Reforms and Guidelines - The Supreme People's Court, the Supreme People's Procuratorate, and the Ministry of Public Security jointly issued guidelines to clarify the subjective knowledge standards for "帮信罪" and emphasize a balanced approach to punishment, particularly for minors and students [1][2]. - The new guidelines consolidate previous regulations and clarify the standards for determining the severity of "帮信罪," especially concerning cases involving "two cards" (phone and bank cards), which constitute about 80% of all such crimes [2][3]. Group 2: Crime Trends and Characteristics - The crime patterns related to "two cards" have evolved, with organized crime groups becoming more sophisticated, leading to a significant number of illegal card operations being dismantled [4]. - The demographic profile of offenders shows a concerning trend, with over 80% of defendants being under 35 years old and one-third being under 25, indicating a low age, low education, and low income among offenders [5][6]. Group 3: Enforcement and Accountability - The guidelines emphasize the need for strict accountability for industry insiders who facilitate these crimes, with specific measures for professional bans for those convicted of "帮信罪" [4][5]. - The judicial approach aims to differentiate between the roles of offenders, advocating for harsher penalties for organizers and planners while considering leniency for minors and less culpable participants [5][6].

Group 1 - The article highlights the increasing sophistication of fraudsters in transferring illicit funds, particularly targeting elderly individuals under the guise of "rural revitalization" and "national poverty alleviation" projects [1] - A case involving a mistaken transfer of 490,000 yuan (approximately 49 million) to a bank account led to the discovery of potential telecom fraud, prompting the bank to involve law enforcement [1][2] - The bank's timely intervention allowed local authorities to track and manage the fraudulent account, ultimately protecting the victim and the account holder [2] Group 2 - The successful handling of the incident showcased the bank's keen insight and efficient execution in combating fraud, earning commendations from both the account holder and local law enforcement [2] - The bank plans to maintain a high-pressure stance against telecom fraud and enhance its fraud detection capabilities to ensure customer fund safety and contribute to financial order stability [2]