8月14日15时34分，记者来到位于惠城区文昌一路的华夏银行惠州分行网点。进门后，一位实习生询问 来办理什么业务，听到记者回答要办理一类储蓄卡后，进一步确认办卡用途、工作地点等基本情况，让 记者查看并签署反诈告知书。 随后，另一位工作人员再次询问记者的开卡用途、办公地点，并解释新用户只能办理二类卡，每天的进 账限额1万元，且暂时不开通非柜面交易。 工作人员表示，目前新开卡比较严格，二类卡升级一类卡需要根据账户未来的使用情况，不一定可以成 功升级，建议记者在办公地点附近办理。最后询问记者是否有认识的客户经理，在得到否定回答后，表 示只能开二类卡。全程对话7分钟左右，最终记者主动放弃办理二类卡。 近年来，为防范电信诈骗、洗钱等风险，银行开卡流程趋严，但部分网点"层层加码"或"一刀切"过度限 制交易额度等问题亦引发关注。 惠州情况如何？南都N视频记者实地走访惠州9家银行，以办理一类储蓄卡并开通网银为目标，从办事 效率、合规性、防诈执行、服务质量四大维度展开测评，体验银行办卡服务和流程是否合规，是否便 利，有没有存在"层层加码"现象。 结果显示，被测评银行在反诈宣传方面表现优异，9家银行网点工作人员在办理开卡业务时， ...

近年来，为防范电信诈骗、洗钱等风险，银行开卡流程趋严，但部分网点"层层加码"或"一刀切"过度限 制交易额度等问题亦引发关注。 惠州情况如何？南都N视频记者实地走访惠州9家银行，以办理一类储蓄卡并开通网银为目标，从办事 效率、合规性、防诈执行、服务质量四大维度展开测评，体验银行办卡服务和流程是否合规，是否便 利，有没有存在"层层加码"现象。 结果显示，被测评银行在反诈宣传方面表现优异，9家银行网点工作人员在办理开卡业务时，均主动向 记者介绍防诈骗教育宣传。因把握风险防控与金融便民的尺度不一，9家银行中，7家为记者办理了不同 额度的一类卡，华夏银行惠州分行、兴业银行惠州分行分别以新用户办不了一类卡和只有业务相关的客 户才能办理一类卡为由，向记者表示只能办理二类卡。 成功办理一类卡的7家银行中，5家银行从取号到办理完成时间在30分钟以内，部分银行耗时50分钟。 测评网点：东莞银行惠州分行 总耗时：约50分钟 总得分：35分 8月14日下午，记者出发前，就开一类卡需要什么资料、大致流程等，致电东莞银行惠州分行，但电话 并未接通。 15时37分，记者来到位于惠城区云山西路4号德威大厦1层的东莞银行惠州分行。银行大厅内客 ...

为深入贯彻落实国家关于打击治理电信网络诈骗犯罪的工作部署，切实提升新市民群体的金融风险防范 意识和能力，近日，民生银行潍坊寿光支行组织宣传团队走进寿光市某机械公司，开展了"防范电信诈 骗 守护账户安全"主题宣传活动，聚焦新市民群体的金融安全需求，传递金融温度，筑牢安全防线。 为增强宣传效果，活动特别设置了情景模拟环节。支行工作人员现场演示诈骗分子常用的电话话术和短 信套路，邀请企业职工参与识别和应对，通过互动体验提升防范意识。活动现场还设立咨询台，为大家 提供账户安全检查和金融咨询服务，解答他们在日常金融活动中遇到的各类问题，特别是针对新市民群 体常见的工资转账、理财投资等场景，提供实用的安全建议。 此次宣传活动取得了显著成效。活动覆盖企业职工60余人，发放宣传资料60余份，现场解答疑问90余 条。宣传活动不仅提升了新市民群体对电信诈骗的识别能力和防范意识，也进一步增强了他们对金融安 全的重视程度。活动结束后，许多员工表示受益匪浅，不仅学到了实用的防诈技巧，还对银行在金融安 全方面的专业服务有了更深入的了解。 为进一步巩固宣传成果，民生银行潍坊寿光支行将持续推进"金融安全进企业"系列活动，计划在接下来 的两个 ...

时长：约15分钟（推荐APP开卡） 为防范电信诈骗、洗钱等风险，银行开卡流程趋严，但部分网点"层层加码"或"一刀切"过度限制交易额 度等问题亦引发关注。 东莞情况如何？南都"民呼我测 共建美好东莞"栏目实地走访8家银行网点，南都N视频记者以办理一类 储蓄卡为目标，从办事效率、合规性、防诈执行、服务质量四个方面，对比办卡总时长，开卡提供材 料，转账限额，是否存在捆绑销售等细分指标，对银行进行测评排序，以推动银行进一步优化服务和流 程。 结果显示，被测评银行在防诈执行方面表现优异，用户在银行新办卡时，填写反诈宣传教育确认、接受 银行员工的反诈宣传已经成为必备流程。但出于反诈考量，过度限额也成为了"痛点"。目前新开卡单 笔/单日限额大多在5000元，部分银行表示，可以在使用3-6个月后，根据实际情况，申请提高额度。 此外，因把握风险防控与金融便民的尺度不一，8家银行网点在为记者办卡中存在两极分化，既有部分 银行网点因服务高效、流程顺畅，获得90分的高分，也有部分银行因流程冗长、过度限制转账额度等拉 低了用户体验，最低仅59分。 随后，大堂经理转而询问记者每月计划存进卡里多少钱，记者回答1万左右。大堂经理随即推荐可以 ...

Core Points - The article highlights the increasing difficulty in opening a bank account with a daily transfer limit of 50,000 yuan due to stricter regulations aimed at preventing fraud and money laundering [1] - A survey conducted by the media involved visiting seven different banks in Zhuhai, revealing that only one individual successfully opened the desired account [1] Group 1: Bank Experiences - At China Everbright Bank, the process was cautious, with the reporter initially being denied and eventually allowed to open an account with a limit of 5,000 yuan after persistent requests [3][5] - Shanghai Pudong Development Bank required the reporter to bind a loan mini-program during the account opening process, with a total time of approximately 1 hour and 4 minutes [7][9] - At Guangfa Bank, the reporter faced a lengthy process with a final limit of 1,000 yuan for new accounts, despite multiple inquiries about higher limits [14][15] - CITIC Bank insisted on checking social security records before allowing account opening, with a daily transfer limit set at 1,000 yuan [17][18] - Industrial Bank completed the account opening in about 30 minutes but set a limit of 6,000 yuan for the new account [21][22] - China Merchants Bank allowed the reporter to complete the process in about 20 minutes, initially setting a limit of 3,000 yuan, which was later adjusted to 30,000 yuan after discussions [24][25] - Xiamen International Bank required social security proof and completed the account opening in approximately 10 minutes, setting a limit of 50,000 yuan for the new account [28][29] Group 2: Regulatory Environment - The tightening of account opening procedures is attributed to the need for banks to mitigate risks associated with fraud and money laundering, leading to lower initial transfer limits across various banks [1][26] - Banks are increasingly requiring additional documentation and verification processes, such as social security records and detailed inquiries about the purpose of the account, to ensure compliance with regulatory standards [17][18][26]

Core Viewpoint - The article highlights the challenges faced by banks in Zhuhai regarding the stringent account opening processes aimed at preventing fraud and money laundering, leading to varied customer experiences and service quality across different bank branches [1]. Group 1: Bank Evaluation - A survey was conducted at seven banks in Zhuhai to assess the compliance and efficiency of their account opening processes, focusing on four dimensions: service efficiency, compliance, fraud prevention execution, and service quality [1]. - The evaluation revealed a significant disparity in performance among the banks, with scores ranging from a high of 95 to a low of 55, indicating that some banks excelled in service quality while others struggled with lengthy processes and excessive restrictions [1]. Group 2: Specific Case Study - Citic Bank - The evaluation of Citic Bank's Zhuhai Gongbei branch showed a total processing time of approximately 20 minutes for opening a type one savings account [3]. - During the process, the bank staff initially attempted to persuade the reporter to open a type two card instead, citing a low transfer limit of 1,000 yuan, which did not meet the reporter's needs [5]. - The staff required the reporter to provide social security information to verify eligibility for the account, emphasizing the need for continuous and stable social security contributions [5]. - The bank's system was reported to have outdated information regarding transfer limits, with the staff stating that the current limit was 1,000 yuan, despite the application showing a minimum option of 5,000 yuan [6]. - The process included mandatory downloads of the bank's app and registration for a mini-program, raising concerns about potential forced registration practices [7].

Group 1 - The core viewpoint of the articles emphasizes the importance of financial knowledge dissemination and fraud prevention, particularly in the context of telecom fraud [1][2] - Minsheng Bank's Linyi Lanshan Branch has actively engaged in educational activities targeting key industries, focusing on raising awareness about telecom fraud among employees and consumers [1] - The activities included on-site consultations, distribution of promotional materials, and interactive sessions to educate participants on common fraud types and prevention strategies [1] Group 2 - The bank plans to continue its financial knowledge outreach efforts by innovating promotional methods and expanding channels to reach communities, enterprises, and schools [2] - The goal is to enhance public financial risk awareness and contribute to a safe and harmonious financial consumption environment [2]

Group 1 - The core viewpoint of the news is the collaboration between Minsheng Bank and local police to enhance public awareness and prevention of telecom network fraud through a themed promotional event [1][2] - The event attracted over 200 participants, where various methods such as consultation booths, banners, and distribution of anti-fraud manuals were employed to engage the public [1] - Real-life case studies were shared to educate citizens on how fraudsters exploit bank cards and third-party payment platforms, along with demonstrations of safety features in Minsheng Bank's mobile banking app [1] Group 2 - Targeted outreach was conducted for vulnerable groups such as the elderly and migrant workers, using simple language to explain common scams like "pension investment fraud" and "impersonating friends for money" [2] - The bank also utilized online platforms like WeChat and short video sites to disseminate anti-fraud content, creating engaging materials such as "AI voice fraud detection" and "fake lottery information reveal" [2] - The promotional activity is part of Minsheng Bank's ongoing efforts to deepen cooperation with law enforcement and promote financial safety and social stability [2]

现场互动环节引起了大小朋友的极大兴趣，套圈游戏区人气火爆，参与者通过答题获取套圈机会，既考验知识储备又充满挑战乐趣；定制扇子上的防诈标语 和卡通图案，成为夏日里传播金融知识的"清凉载体"。此外，工作人员还开设咨询台，解答存款保险、征信维护等疑问，帮助群众守护"钱袋子"。 此次"靠浦一夏剧说成长，消保护航乐享生活"活动，是浦发银行济南分行践行"以客户为中心"服务理念的生动体现。本次活动累计发放宣传资料1500余份， 覆盖1500余人次。活动不仅丰富了客户的业余生活，也持续推进了金融知识普及常态化，以多元形式筑牢金融安全防线，进一步增强了客户黏性和信任度。 未来，浦发银行济南分行将为客户提供更加优质、贴心的金融服务和非金融服务，与客户携手共创美好未来。 6月15日，济南珍珠泉礼堂内欢声笑语此起彼伏，浦发银行济南分行在这里成功举办"靠浦一夏剧说成长，消保护航乐享生活"客户活动。此次活动特别邀请 了1000位客户家庭成员到场，针对青年家庭群体，聚焦防范电信诈骗、识别非法集资、反假币等热点问题，通过发放《防范非法集资指南》《反诈手册》等 知识单页，结合真实案例解析，向群众普及"不轻信、不转账、不泄露个人信息"的"三不原 ...

Group 1 - The core idea of the article is the initiative by China Minsheng Bank Weifang Shouguang Branch to enhance employees' ability to recognize and prevent fraud, thereby safeguarding public financial security [1][3] Group 2 - The bank established a professional team to conduct a themed publicity campaign titled "Prevent Telecom Fraud, Safeguard Account Security" for corporate employees [1] - Various promotional setups were created at the event, including a prominent entrance booth that provided information on common fraud types and response strategies through banners and illustrated handbooks [2] - The handbook included real case studies analyzing fraud techniques such as "impersonating customer service" and "false investment," along with memorable prevention tips and clear emergency flowcharts for easy reference [2] - Interactive "anti-fraud micro-classes" were set up in high-traffic areas like employee cafeterias, featuring dramatized scenarios based on real cases to educate employees about potential fraud situations [2] - A tailored "scenario simulation training" was conducted for vulnerable financial staff, allowing them to engage in role-playing exercises to enhance their ability to identify and respond to new fraud schemes [2] - An engaging quiz segment was introduced, where employees could participate in anti-fraud knowledge questions and win practical souvenirs, fostering a fun and educational atmosphere [2] Group 3 - The campaign emphasizes both immediate effectiveness and long-term sustainability, with plans for regular anti-fraud video updates and online knowledge tests to establish a continuous financial safety education mechanism [3] - The goal is to strengthen the financial security network and protect the financial well-being of employees and the broader community [3]