把银行卡借出去就能轻松赚"外快"？殊不知，这看似诱人的"捷径"背后，实则潜藏巨大风险。8月19日，北京商报记者调查发现，在社交平台的隐 秘角落，非法收购、租赁银行卡的交易仍暗流涌动，部分中介以短期租用或数千元买断为诱饵，鼓动持卡人出借、出售银行卡，并对银行卡的非 柜面交易额度、购汇功能等设定筛选标准。这些被收购的银行卡，实则成为洗钱、诈骗等非法活动的"工具"。高额度非柜面交易便于大额资金快 速转移，购汇功能帮助非法资金跨境流转，不同卡片的搭配更是形成了资金转移的"闭环"。而出售或出租银行卡的个人，恐将触犯帮助信息网络 犯罪活动罪、掩饰隐瞒犯罪所得罪等，面临刑事处罚。 "买断的价格为6000元" 出售、出租银行卡已成为电信网络诈骗案件持续高发的重要根源之一。在一些不易察觉的隐秘角落，此类非法交易暗流涌动。8月19日，北京商 报记者注意到，在社交平台上，有不少收购银行卡的中介以"高价回收""想要快速上岸的联系"等诱惑性话术吸引持卡人。 北京商报记者联系了多位从事银行卡收购的中介人员，其中李杨（化名）介绍了收购银行卡的流程，一种是买断，这是比较常见的方式，用户将 银行卡出售给中介，另一种则是短期租用。 中介会首先要 ...

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]