A number of banks have lowered the limit of personal online transactions.

A number of banks have lowered the limit of personal online transactions.

Some banks have lowered the personal online transaction limit to deal with online fraud. The customer service staff of Agricultural Bank of China said that according to the special actions related to telecom fraud carried out by the regulatory authorities, some customers will be restricted, and many banks have lowered their personal online transaction limits to refer to online fraud.

Some banks have lowered the limit of personal online transactions. Sword refers to online fraud. 1 Banking institutions are constantly increasing the management of online channels for personal accounts.

Recently, many banks, such as China Everbright Bank, Shanghai Pudong Development Bank and Agricultural Bank, have successively issued announcements to reduce the transaction limits of personal account online related businesses, including online transfer limits and online payment transaction limits.

For the reasons for the adjustment, the above-mentioned bank customer service staff generally said that it was mainly to prevent telecommunication network fraud. In the eyes of the industry, it is the general trend for banks to strengthen the management of personal accounts and cards. In the future, banks may achieve a dynamic balance between business risk prevention and user convenience by improving the level of risk control and financial technology.

Some users have limited online business.

Everbright Bank mainly adjusted the online payment transaction limit. Everbright Bank said in the announcement that the online payment transaction limit will be adjusted from May 12, 2022. For payment transactions that users consume through various online trading channels and complete through the payment platform of China Everbright Bank, the default single limit and single-day limit are uniformly adjusted to 1 10,000 yuan.

Everbright bank data map

Agricultural Bank of China mainly adjusted the personal online banking and bank transfer limits of some users.

Shanghai Pudong Development Bank Chengdu Branch, Changsha Branch and Fuzhou Branch have successively issued announcements on adjusting the non-counter business limit of personal bank settlement accounts, saying that the non-counter business limit of personal bank settlement accounts will be appropriately adjusted according to the account usage.

After consulting the bank's customer service, the reporter found that the quota measures adopted by many banks for online business depend on the actual use of personal accounts and the relevant policies in the region, so as to judge the specific quota and whether there are restrictions. For example, the customer service of Agricultural Bank said that the quota adjustment is different in different provinces and regions, and the specific adjustment of different personal accounts in the same province is also different.

Taking Hangzhou as an example, if the electronic channel of individual stock customers exceeds 12 months and no documents are delivered, the adjusted foreign transfer limit may be 10000 yuan per day; Take Fuzhou as an example. If individual stock customers have no electronic channel trading and trading list within 2 years, the daily limit may be 5,000 yuan.

In addition, the customer service of Shanghai Pudong Development Bank said that there are two situations about the counter limit in Fuzhou. First, from September 28th, 20021year, all outlets should immediately bring the newly opened personal bank account into the one-day limit of 5,000 yuan for OTC trading; Second, customers who have no transaction records for a long time in the sub-branches under the jurisdiction of Fuzhou Branch; Transactions and V0 customers with balance less than 100 yuan and V 1 customers with balance less than 1000 yuan.

"Accounts with abnormal long-term deposit and withdrawal amount, accounts that do not use accounts for a long time or accounts suspected of money laundering may become the targets of bank limits, which is a means for banks to strengthen their own risk management." Wang Pengbo, a senior analyst in the financial industry of Broadcom Consulting, told the Securities Daily that in recent years, telecom fraud and illegal transactions in personal accounts have occurred frequently, so it is necessary for banks to assume the responsibility of account security and backwashing Q, and strengthen the management of online channels for personal accounts.

Strengthening personal account management is the general trend.

In recent years, banks have continuously strengthened the management of personal accounts, from cleaning up "sleep accounts" to cleaning up "one-person excess accounts", and then upgrading to including bank cards with insufficient balance 10 yuan into sleep accounts. Especially for telecom fraud, since last year, many banks have carried out "card breaking" actions.

It is generally believed in the industry that the bank's downward adjustment of the online related business transaction limit of personal accounts is another upgrade of the bank's management and control of personal accounts in response to risk events such as telecom fraud.

At present, online banking services such as online transfer and online payment have been widely used by users. For banks, strengthening account control can build a line of defense against telecom fraud for users to a certain extent. However, from the perspective of consumers, it may bring some inconvenience to users' daily consumption and transactions.

"Strengthening the management of user accounts and cards will be the general trend." Pan Helin, co-director of the Digital Economy and Financial Innovation Research Center of Zhejiang University International Joint Business School, told the Securities Daily reporter that more banks are expected to follow up the management of personal accounts. However, how to find a balance between the convenience of customers and the safety of funds will be a key issue for banks.

Su, a senior analyst in Analysys financial industry, agrees with the above statement. She believes that banks should pay attention to the convenience of financial services while preventing risks.

Huang, a researcher at Xingtu Finance Research Institute, provided the following suggestions for users: First, the awareness of account inventory, and users should do a good job in bank account management; Second, risk management awareness. In the third-party payment software, users should unbind the unused bank cards in time and cancel the long-term unused bank cards in time. It should be emphasized that users should never rent, sell or lend their own bank cards or payment accounts.

Some banks have lowered their personal online trading limits. Recently, with the continuous crackdown on telecom fraud, many banks have lowered their personal online transaction limits, and some banks even have a one-day limit of 65,438+100,000 yuan, which has aroused great concern in society.

According to the bank, the main purpose of the quota of relevant accounts is to implement relevant requirements, prevent the risk of telecommunication network fraud and ensure the safety of customer account funds.

Some bank announcements

Reduce the online trading limit of personal accounts

Recently, many banks, such as Agricultural Bank, China Everbright Bank and Shanghai Pudong Development Bank, announced that they would adjust the personal online banking and bank transfer limits or online payment transaction limits of some customers.

Agricultural Bank of China: Adjust the personal online banking and bank transfer limits of some customers.

On April 2nd, the Agricultural Bank of China issued the Announcement on Reducing the Transaction Limit of Online Banking Channels for Some Customers;

Recently, telecommunication network fraud has occurred frequently. In order to ensure the safety of customers' accounts and funds and implement regulatory requirements, the Bank adjusted the personal online banking and personal bank transfer limits of some customers.

At that time, if customers need to increase the online transfer limit, please bring valid identity documents and bank cards to any branch of our bank. Due to local regulatory requirements, some areas may need to provide other supporting documents. For details, please consult local outlets. If you can't go to the outlet for quota adjustment due to special circumstances, please call our customer service telephone number 95599 for consultation.

Everbright Bank: The default single limit and single-day limit for online payment transactions are adjusted to 65,438 yuan+00,000 yuan this time.

Previously, on March 24th, China Everbright Bank issued the Announcement on Adjusting the Online Payment Transaction Limit of our Bank. From May 12, 2022, the Bank will adjust the online payment transaction limit. The main contents are as follows:

Online payment transaction refers to the payment transaction that you consume through various online trading channels and complete through the payment platform of China Everbright Bank. The default single limit and single-day limit for online payment transactions are uniformly adjusted to 65,438 yuan+00,000 yuan. You can modify the online payment transaction limit independently through the "transaction limit setting" and customer service channels of our Sunshine Life APP. If you have adjusted the online payment transaction limit yourself before, it will not be affected by this adjustment, and your online transaction limit will remain unchanged.

Many branches of Shanghai Pudong Development Bank: appropriately adjust the limit of non-counter business of personal bank settlement accounts.

Shanghai Pudong Development Bank Chengdu Branch, Changsha Branch, Fuzhou Branch, Hangzhou Branch, etc. Announcements on adjusting the off-counter business limit of personal bank settlement accounts have been issued one after another, saying that the off-counter business limit of personal bank settlement accounts will be appropriately adjusted according to the account usage.

The amount involved is huge.

The two departments jointly supervised five large cross-border telecommunication network fraud cases.

All the above-mentioned banks said that the main purpose of the relevant account quota is to implement relevant requirements, prevent the risk of telecommunication network fraud, and ensure the safety of customer account funds.

At present, with the rapid development of Internet economy and telecom industry, new crimes, such as telecommunication network fraud, continue to occur frequently, which has become one of the most prominent crimes with the fastest rise and the strongest response from the masses. Fraud acts such as "gambling to kill pigs" and "brushing loans" are frequent.

It is worth noting that, while a number of banks have lowered the online trading limits of personal accounts, the Supreme People's Procuratorate and the Ministry of Public Security have recently jointly listed and supervised five mega-cross-border telecommunication network fraud cases, including the "12.30" case in Zhejiang.

In recent years, procuratorial organs and public security organs have cooperated closely to crack down on telecommunication network fraud and related crimes in accordance with the law, strictly and completely, effectively safeguarding the legitimate rights and interests of the people. However, the current telecommunication network fraud crime is still high, and the people have a strong reaction. In particular, fraudulent criminal groups organize personnel to go to overseas dens to defraud ordinary people in China, which seriously affects people's sense of security.

According to reports, the five cases supervised by this listing are all cases of cross-border telecommunication network fraud criminal groups, with a wide range of victims and a large number of people. Many cases involve huge sums of money and serious social harm.

Procuratorial organs and public security organs will adhere to joint management at home and abroad, online and offline, focusing on arresting and severely cracking down on behind-the-scenes "financiers" and key elements of criminal groups, especially promoting the wanted, extradition and repatriation of overseas fugitives involved in fraud; Comprehensively punish criminal gangs that provide personal information, technical support, payment and settlement for criminal groups, resolutely eradicate criminal dens, and resolutely cut off the criminal chain.

At the same time, procuratorial organs and public security organs will recover losses throughout the whole process of case supervision, thoroughly investigate the flow of funds, freeze and recover the funds involved in fraud in time according to law, seal up and dispose of the property involved, urge criminals to take the initiative to refund the stolen money and do their best to recover the property losses of the people.

At the same time, procuratorial organs and public security organs solemnly warned criminals stranded abroad to avoid legal sanctions to recognize the situation clearly, not to take any chances, and to return to China as soon as possible to surrender themselves.

Recently, many banks, such as Agricultural Bank of China, Shanghai Pudong Development Bank, China Everbright Bank and Longhai Rural Commercial Bank, issued announcements to adjust the personal online banking, bank transfer, online payment transactions and counter business limits of some customers, and the daily limit was adjusted to 1 0,000 yuan or even several thousand yuan. Why should banks adjust the personal OTC trading limit? How does the adjustment affect you?

Banks adjust the limit of non-counter business

Recently, the Agricultural Bank of China announced that telecommunication network fraud has occurred frequently recently. In order to ensure the safety of customers' accounts and funds and implement regulatory requirements, the Bank has adjusted the personal online banking and bank transfer limits of some customers.

Coincidentally, in March this year, Shanghai Pudong Development Bank issued a number of announcements, and its Chengdu Branch, Changsha Branch and Fuzhou Branch all issued announcements on adjusting the counter business limit of personal bank settlement accounts. The content is similar. In order to ensure the safety of your funds, we will adjust the non-counter business limit of personal bank settlement account according to the account usage.

The Credit Card Center of China Everbright Bank recently announced that the bank will adjust the online payment transaction limit from May 12, 2022. The main contents are as follows: online payment transactions, that is, the payment transactions that you consume through various online trading channels and complete through the payment platform of China Everbright Bank. The default single limit and single-day limit for online payment transactions are uniformly adjusted to 65,438 yuan+00,000 yuan.

On April 9, Longhai Rural Commercial Bank also issued the Announcement on Batch Adjustment of Non-Counter Business Limits of Personal Settlement Accounts in Stock. According to the adjustment plan, batch adjustment refers to setting different levels of non-counter business limits (not limited to counter trading and collection business) after classifying the risks of accounts with reference to personal information (age, etc.). ) Customer reservation, payment and receipt transaction amount, transaction number and account balance in the last six months, and the adjustment start time is April 20, 2022.

Many banks mentioned "non-counter business" in their announcements, which simply means the business that is not handled at the bank counter, including but not limited to online banking, mobile banking, gateway payment, fast payment, POS, ATM and other businesses.

In fact, Zhongxin Jingwei found that as early as September 20021year, many rural commercial banks and rural credit cooperatives had issued announcements to adjust the off-counter business limits of individual settlement accounts in batches, and most of the banks that issued announcements were concentrated in Fujian and Guizhou provinces.

For the adjustment range, some banks classified it as "inactive personal settlement account". For example, the announcement of Fujian Longyan Rural Commercial Bank explained that "inactive personal settlement account refers to an individual settlement account that has not initiated any payment and receipt business for three consecutive months and the average daily balance of the account is less than 100 yuan". Shunchang Rural Credit Union said, "Inactive personal settlement accounts refer to personal settlement accounts that have not initiated any collection and payment business for six consecutive months and the average daily balance of accounts in the latest quarter is lower than that in 500 yuan".

Some banks even set the scope even larger. For example, Fujian Straits Bank will adjust the scope to RMB personal current settlement accounts (excluding personal accounts such as social security agency accounts) with the average daily balance of less than 1 10,000 yuan in 2026 and the opening date of 1 in July 2020.

It is worth noting that many banks set the limit of non-counter business as a single-day cumulative payment limit of 5,000 yuan (counter transactions and collection business are not limited).

Sword refers to telecom fraud

Regarding the reasons for adjusting the limit, the customer service staff of ABC said that according to the special actions related to telecom fraud carried out by the regulatory authorities, some customers will be restricted. "Offline channel transfer should not be affected, mainly by mobile pocket banking, online banking and third-party payment including Alipay and WeChat payment."

"This move is to further implement the control requirements of the People's Bank of China on the classification level of personal accounts, strengthen the management of personal counter transaction limits, and prevent backwashing Q control, so the counter limit of personal accounts has been increased." The customer service staff of Shanghai Pudong Development Bank said.

Longyan Rural Commercial Bank revealed in the announcement that according to the requirements of the Notice on Strengthening the Management of Stock Accounts issued by the Longyan Central Sub-branch of the People's Bank of China and the Office of the Joint Conference on Combating New Crimes in Telecommunication Networks in Longyan City, combined with the actual situation of the bank, the non-counter business limit of the bank's inactive personal settlement accounts has been adjusted in batches since March 28, 2022.

Fujian Straits Bank said in the announcement that telecom fraud cases have occurred frequently in recent years. In order to further strengthen the prevention and control of account risks and promote customers to rationally arrange and use personal bank account resources, the Bank will adjust the off-site transfer limit of personal bank accounts.

Wang Pengbo, a senior analyst in the financial industry of Broadcom Consulting, said in an interview with Zhongxin Jingwei that it is mainly related to frequent fraud and illegal transactions, and banks have also assumed many responsibilities for security and backwashing Q.

On June 5438+ 10, 2020, the the State Council Inter-Ministerial Joint Conference on Combating and Governing New Crimes in Telecommunication Networks was deployed to launch a nationwide "card-breaking" campaign to severely crack down on illegal crimes of calling cards and bank cards. In recent years, banks have also continued to carry out "card-breaking" actions, and many banks have also begun to clean up "sleep card".

In recent years, telecom fraud incidents are not uncommon. Zhongxin Jingwei interviewed many victims of telecom fraud. Some of them were cheated by the so-called online store customer service return, and some were cheated by people who pretended to be public security law. In the process of being cheated, some victims' personal bank card accounts were stolen by fraudsters or unconsciously transferred to other people's accounts, ranging from tens of thousands to hundreds of thousands of yuan.

After being cheated, victims often complain to the bank, thinking that the bank's security measures are not perfect, giving fraudsters an opportunity, and even suing the bank for compensation.

Wang Pengbo believes that the limit will be inconvenient when transferring large amounts of money, but the security will be more secure, and the loss will be much smaller in the event of fraud.

How to balance safety and convenience?

Regarding the bank's transfer action, some netizens said: "Internet fraud is really hateful", but some netizens said, "I am in a hurry to withdraw money, and the results are limited."

In this regard, Shanghai Pudong Development Bank said in the announcement that if the customer's account trading tips exceeds the trading limit and it is really necessary to increase the amount of non-counter business, he can go to any business outlet of the above branch for identity verification with his valid identity certificate and the original bank card.

Everbright Bank pointed out in the announcement that the online payment transaction limit was independently modified through the "transaction limit setting" of Everbright Bank Sunshine Life APP and customer service channels. If the online payment transaction limit has been adjusted by itself before, it will not be affected by this adjustment and the online transaction limit will remain unchanged.

Longhai Rural Commercial Bank said that if it is necessary to increase the account payment limit, please bring your valid ID card to the branch of the bank to make a statement. After verifying that the purpose of the account is true and legal, the bank will adjust the payment limit of the account according to the actual needs of users.

In real life, it is also a challenge for banks to balance the safety of customers' funds and the convenience of customers. "Many banks have made better attempts. For example, after some banks reduce the transaction amount of their accounts, users can still withdraw money online.

This quota setting has been able to meet the daily use needs of ordinary users. If the quota is still insufficient, you can go to the outlets to apply for withdrawal, and you can also meet the needs of a small amount of large capital transactions. Huang, a researcher at Xingtu Financial Research Institute, said.

Wang Pengbo believes that in terms of security, banks should make more efforts in financial technology to improve the level of technical prevention and control, while users should avoid their accounts being used by money laundering platforms and raise their awareness of fraud prevention.