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：浦发银行惠州分行 总耗时：约30分钟 总得分：75分 8月13日15时许，记者来到浦发银行惠州分行网点，在现场办理业务的市民并不多。进门后，值班的大 堂经理先是询问"请问您要办理什么业务"，得知想要办理一类储蓄卡后，让另一位工作人员为记者办理 业务 ...

Core Insights - The article highlights the increasing strictness of bank account opening processes in response to risks such as telecom fraud and money laundering, leading to concerns about excessive restrictions on transaction limits and service quality [1] Group 1: Bank Evaluation - A survey was conducted in Zhuhai, where seven banks were evaluated on their account opening services, focusing on efficiency, compliance, fraud prevention, and service quality [1] - The evaluation revealed a significant disparity among the banks, with scores ranging from 55 to 95, indicating that some banks provided efficient and smooth services while others imposed excessive restrictions and lengthy processes [1] Group 2: Specific Bank Case Study - The Shanghai Pudong Development Bank's Zhuhai Jida branch was assessed on June 25, taking approximately 1 hour and 4 minutes to complete the account opening process [3] - During the process, the bank required the customer to provide various personal details and complete multiple forms, which contributed to the lengthy wait time [5] - The bank's system mandated the binding of at least two internet platforms during the account setup, which raised concerns about customer experience and service efficiency [7][8]

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) Shanghai Branch has achieved significant milestones over its 32 years, focusing on serving the local economy and enhancing consumer experiences through various financial services and initiatives [1][11]. Group 1: Service to Livelihood and Activation of Domestic Demand - SPDB Shanghai Branch actively participates in government consumption voucher programs, facilitating over 150,000 redemptions worth more than 300 million yuan, thereby stimulating local consumption [2]. - The bank has engaged in promotional activities linked to major city events, covering over 2,000 merchant stores and providing 114,000 discount opportunities to enhance consumer spending [2]. Group 2: Credit Empowerment and Consumer Vitality - The "Pudong Flash Loan" program has issued a total credit of 17 billion yuan in Shanghai, serving nearly 90,000 customers, with a loan balance of 7.7 billion yuan [3]. - The bank has focused on new residents, providing 600 million yuan in loans to nearly 2,000 individuals, addressing their housing and consumption needs [3]. Group 3: Innovative Branches and Community Engagement - SPDB Shanghai Branch has established unique service points, including "Citywalk" activities and pet-friendly branches, to integrate financial services with local culture and community events [4]. - The bank has transformed its branches into community hubs, offering services that cater to various lifestyle needs, thus enhancing customer engagement [4]. Group 4: Wealth Management and Financial Services - The bank's wealth management services have seen steady growth, with personal financial assets approaching one trillion yuan and private banking clients exceeding 15,000 [5]. - SPDB has launched innovative financial products, including commercial pension insurance, and has been recognized for its excellence in pension financial services [5]. Group 5: Airport Services and Internationalization - Leveraging its airport branches, SPDB Shanghai Branch provides comprehensive services, including foreign currency exchange and payment solutions, enhancing the experience for international travelers [7]. - The establishment of a 30-member youth team at the airport aims to improve payment services for foreign visitors, showcasing Shanghai's financial service capabilities [7]. Group 6: Elderly Financial Services and Social Responsibility - The bank has developed a "12345" elderly service system, offering tailored financial solutions and community activities to support the aging population [9]. - SPDB actively participates in events like the Shanghai Elderly Expo to promote its financial services aimed at enhancing the quality of life for senior citizens [9].