Core Insights - The article discusses the tightening of bank account opening processes in response to risks such as telecom fraud and money laundering, highlighting concerns over excessive restrictions and inconsistent practices across different bank branches [2] Group 1: Bank Evaluation - A survey was conducted across 9 banks in Huizhou to assess the efficiency, compliance, anti-fraud execution, and service quality of their account opening processes [2] - All 9 banks demonstrated strong anti-fraud education efforts, with staff proactively informing customers about fraud prevention during the account opening process [2] - Out of the 9 banks, 7 successfully issued different tiers of primary accounts, while 2 banks (Huaxia Bank and Industrial Bank) cited specific restrictions preventing new users from obtaining primary accounts [2] Group 2: Specific Bank Performance - The evaluation of the Everbright Bank Huizhou branch revealed a total processing time of approximately 11 minutes for opening a primary savings account, scoring 95 points in the assessment [3] - The bank's customer service indicated that only secondary accounts could be opened for general use, with primary accounts reserved for specific purposes such as salary, investment, or loan services [5] - The account opening process at Everbright Bank included identity verification and a reminder that the card must be used personally, with a temporary transaction limit of 5,000 yuan for new accounts [5]

Core Viewpoint - The difficulty in opening bank accounts and the inconsistency in service quality across different bank branches highlight a significant issue in the banking sector, where risk prevention measures often conflict with customer convenience [1][3][5]. Group 1: Service Experience - A recent evaluation by Southern Metropolis Daily revealed that only one out of seven reporters successfully opened a bank account, with experiences varying drastically from 10 minutes to over an hour, and daily transfer limits ranging from 1,000 to 50,000 yuan [1][3]. - The inconsistency in account opening procedures and requirements across different banks leads to a "lottery-like" experience for customers, with varying documentation demands and transaction limits [4][5]. Group 2: Risk Management vs. Customer Convenience - The banking industry's approach to risk management has become overly stringent, with some branches implementing excessive restrictions that hinder legitimate customer needs under the guise of risk prevention [3][5]. - The lack of standardized guidelines for account opening processes results in frontline staff relying on personal judgment, creating uncertainty for customers [4][5]. Group 3: Public Sentiment and Reactions - Public feedback on social media reflects frustration over the difficulties in opening accounts, with some comments defending bank staff while others criticize the service quality [3][5]. - The ongoing challenges in account opening processes indicate a need for a collaborative effort among regulatory bodies, financial institutions, and consumer associations to develop more precise policies that balance risk management and customer service [5][6].