Core Viewpoint - The recent incident involving a bank customer highlights the excessive restrictions imposed by banks during cash withdrawals, raising concerns about the balance between anti-fraud measures and customer service [1][2][3] Group 1: Incident Overview - A customer faced unreasonable withdrawal restrictions at a Bank of China branch in Dongying, Shandong, including a requirement to explain account transaction details [1] - The bank set a withdrawal limit of 10,000 yuan, claiming it was necessary for anti-fraud efforts, although different branches of the same bank denied this policy [1][2] - The local anti-fraud center clarified that the issue was not related to their operations, indicating it was a bank-specific problem [1] Group 2: Regulatory Context - The current regulations require banks to verify customer identity and the source of funds for cash transactions above 50,000 yuan or equivalent in foreign currency [2] - The upcoming 2025 revision of these regulations proposes to eliminate the 50,000 yuan threshold, emphasizing a risk-based approach for customer due diligence [2] - Despite regulatory changes, some bank branches continue to impose stricter limits and additional requirements, leading to inconsistencies across different regions [2] Group 3: Industry Implications - The banking industry must adhere to national standards to provide customers with stable expectations and avoid arbitrary restrictions [3] - The practice of questioning a customer's bank transactions without proper authority undermines the credibility of banking institutions and the judicial system [3] - Enhanced anti-fraud measures should not come at the expense of ordinary citizens, as this could hinder the effectiveness of anti-fraud initiatives [3]