China News Service, Taiyuan, July 16th (Li Tingyao and Yang Jing) Recently, a video blogger reported that he was "making things difficult" when applying for a bank card because of his identity as a "freelancer and housewife", which aroused social concern.

Since then, the reporter found during random visits in Taiyuan, Shanxi that, compared with the previous situation where only an ID card can be opened, many banks have raised the threshold for card opening review, and different banks have different standards.

　　During the interview, the reporter found that the staff of each bank would ask customers about the reason and purpose of opening the card. Although they did not clearly define the identity of freelancers or housewives, they have clear requirements for work certificates and residence certificates. .

　　For example, some banks require customers to provide work certificates, residence certificates and other materials, and some banks require customers to provide original ID cards, real-name certified mobile phone numbers, and sign the "Notice of Preventing Telecommunications Network Fraud Risks" (hereinafter referred to as "Risk Notifications" 》); In some bank outlets, staff recommend that customers use existing bank cards without having to apply for new cards.

　　A staff member of an Industrial Bank branch on Jinci Road in Taiyuan said that when the card is issued on the self-service machine, the work unit and occupation are required. "Originally, you can also choose'other'housewife' and other options, but now there is no."

　　Agricultural Bank also has stricter requirements for customers to open cards.

The staff at the branch of Agricultural Bank on West Street, South Inner Ring, Taiyuan said that to open a card with a foreign ID card, a local residence permit or work certificate must be provided, otherwise they can only open a second-class card with a daily accumulative deposit and withdrawal limit of 10,000 yuan. And it is not recommended to open online banking, handheld banking and other services.

　　At the branch of Taiyuan Yi Everbright Bank, after the customer provides the original ID card, the staff will ask the customer's address, card issuance reason, purpose and other questions, and carry out anti-fraud propaganda, reminding the bank card not to be loaned or sold to others for use, and it is required to sign the " Risk Notification Letter.

　　The "Risk Notice" shows that if individual customers are identified by the public security organs as individuals who illegally rent, sell, lend, or purchase personal bank settlement accounts or payment accounts and related organizers, individuals who fake their identities or open bank accounts with fictitious agency relationships According to regulations, China Everbright Bank will suspend its bank account (card) non-counter business within 5 years and refuse to open new accounts for it.

　　A number of bank practitioners told reporters that raising the threshold for customer card-issuing review is related to the "card-breaking" action.

　　Illegal opening and selling of telephone cards and bank cards is an important source of the continued high incidence of telecommunications network fraud cases.

In October 2020, the State Council’s Inter-Ministerial Joint Conference on Cracking down on New Types of Illegal Crimes in Telecommunications Networks decided to launch a nationwide "Card Broken" operation to crack down on illegal and criminal acts of illegally issuing and selling phone cards and bank cards.

　　For this reason, the People's Bank of China requires banking financial institutions and non-bank payment institutions to implement the main responsibilities in accordance with the principle of "who issues the card, who is responsible".

　　Due to the principle of "who issues the card, who is responsible", some banks have raised the threshold for reviewing customers' card issue.

A bank staff told reporters that if the bank card handled by him is provided to criminals in telecommunications network fraud, "check us from top to bottom."

　　The above situation is not a case of Taiyuan, Shanxi.

According to public reports, many banks in Beijing, Hubei, Guangdong and other places have also raised the threshold for customer card opening review, including requiring customers to provide identity certificates, work certificates, residence certificates, social security payment records, and mobile phone access time certificates. Different banks have different standards. , Even some bank customer service said that some branches are temporarily unable to provide account opening services.

　　In addition to raising the threshold for customer card opening review, many banks across the country have issued announcements to start cleaning up personal accounts that have not moved for a long time.

　　According to official data, from October 2020 to June this year, public security agencies and other departments across the country seized 3.733 million fraudulent phone cards and 566,000 bank cards, punished 173,000 untrustworthy persons with the "two cards", and rectified violating industry outlets and institutions. 18,000.

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