智通财经记者 王选辉 "我希望通过起诉，推动银行管理层正视过度反诈的问题，让建行的管理层有一点点警醒，推动一点点 变革。如果一家银行改变了，其他也会跟进。"周筱赟表示。 2月1日，周筱赟收到了法院发来的东营建行的答辩状。答辩状中，东营建行认为，其工作人员在为原告 办理取款业务时，结合原告取款及用途等情形，判断原告可能存在被诈骗的风险，出于保护原告财产安 全的目的，银行向原告采取了相关核实措施。 周筱赟律 师在东营建行门口。受访者供图 周筱赟介绍，2025年11月3日，他在山东东营出差期间，前往中国建设银行东营支行提取4万元现金时， 被告知取款一万元以上需要进行登记，柜员进一步追问资金具体用途，甚至调取其一个月前的交易流 水，询问某笔转账的细节。 在周筱赟拒绝透露更多私人信息后，银行报警。半小时后，银行方面又称无法联系到警方，并突然转变 态度表示可以办理取款业务。最终，周筱赟放弃取款。 周筱赟表示："反诈的初衷是好的，也是很有必要的，但是各级基层的银行不能对反诈层层加码，折腾 普通老百姓和银行柜员。" 此事经媒体披露后引发社会讨论。中央电视台、《人民日报》、新华社等媒体均对此事进行报道评论。 周筱赟对智通财经表 ...

Group 1 - The core issue revolves around the recent incident where a bank customer was questioned after withdrawing 40,000 yuan, highlighting ongoing discussions about enhanced anti-fraud measures in banks [1] - On November 22, there were reports indicating that Zhengzhou Bank received a notification stating that the "police-bank system will completely stop services, with the reopening time to be determined later" [1] - Several banks in Zhengzhou confirmed to reporters that they had received the aforementioned notification, indicating a potential disruption in banking operations [1]

Core Viewpoint - The recent incident of a man being questioned by a bank while attempting to withdraw 40,000 yuan highlights the excessive measures taken by financial institutions in anti-fraud efforts, which, while well-intentioned, have led to unnecessary inconveniences for law-abiding citizens [1][2] Group 1: Anti-Fraud Measures - The necessity of anti-fraud measures is acknowledged, as telecom and online fraud is becoming increasingly sophisticated, with banks playing a crucial role in intercepting fraudulent transactions to protect customers' funds [1] - However, the current approach of "over-correcting" has resulted in rigid execution that deviates from the essence of financial services and creates multiple risks [1][2] Group 2: Regulatory and Operational Challenges - Recent regulatory changes have removed the strict requirement for banks to inquire about the source of cash transactions over 50,000 yuan, yet some banks have lowered the threshold to 10,000 yuan, effectively shifting regulatory responsibility onto the public [2] - This practice reveals a lack of risk identification capabilities and outdated technological methods within banks, leading to misjudgments that infringe on customers' rights to withdraw funds [2] Group 3: Recommendations for Improvement - To resolve the conflict between anti-fraud efforts and customer convenience, banks should transition from excessive scrutiny to precise empowerment, balancing security and convenience [3] - There is a need for enhanced focus from bank executives on anti-fraud initiatives, increased resource allocation, and collaboration across departments to create a unified approach [3] - Banks should shift the focus of anti-fraud responsibilities from frontline staff to specialized risk management teams, providing clear operational guidelines to alleviate pressure on frontline employees [3] - The integration of advanced technologies, such as big data analytics, is essential for real-time risk assessment and the automatic identification of suspicious activities, achieving a balance between effective fraud prevention and seamless customer service [3]

Core Viewpoint - The recent incident of a man being questioned by a bank while attempting to withdraw 40,000 yuan highlights the excessive measures taken by financial institutions in anti-fraud efforts, which, while well-intentioned, have led to unnecessary inconveniences for law-abiding citizens [1][2]. Group 1: Anti-Fraud Measures and Their Implications - The initial intent of anti-fraud measures is to protect citizens' financial security, especially as telecom and online fraud becomes increasingly sophisticated [1]. - However, the rigid execution of these measures can lead to a misalignment with the essence of financial services, creating multiple hidden risks [1]. - Recent regulatory changes have removed the strict requirement for banks to inquire about the source of cash transactions over 50,000 yuan, yet some banks have lowered this threshold to 10,000 yuan, effectively shifting regulatory burdens onto the public [2]. Group 2: Challenges Faced by Banks - The current fraud detection methods employed by banks are outdated and lack precision, leading to misjudgments that infringe on customers' rights to withdraw their funds [2]. - The pressure of risk management is disproportionately placed on frontline staff, who lack the necessary authority and comprehensive data to accurately assess risks, resulting in potential conflicts with customers [2]. - This "pressure down" model not only burdens employees with undue responsibility but also hampers the establishment of a systematic and intelligent anti-fraud capability within banks [2]. Group 3: Recommendations for Improvement - To reconcile the conflict between anti-fraud efforts and customer convenience, banks should transition from excessive scrutiny to precise empowerment, achieving a balance between security and service [3]. - There is a need for enhanced focus from bank executives on anti-fraud initiatives, along with increased resource allocation and inter-departmental collaboration [3]. - Banks should shift the focus of anti-fraud responsibilities from frontline staff to specialized risk management teams, providing clear operational guidelines to alleviate pressure on employees [3]. - The integration of advanced technologies, such as big data analytics, is essential for real-time risk assessment and the automatic identification of suspicious activities, ensuring a balance between effective fraud prevention and seamless customer service [3].