The "card breaking" operation, which began more than two years ago, continues to gain momentum.

A few days ago, many netizens in Yunnan said that a large number of local depositors' CCB bank cards were frozen and could not be used normally, and related topics once appeared on Weibo hot search. Subsequently, some bank staff responded that the freezing of bank cards was to prevent online telecommunications fraud, and to carry out hierarchical and categorical control of bank cards of some customers.

In fact, this is not CCB's move alone. With the launch of the "card breaking" operation, banks have strengthened the management of bank cards, cooperated with the public security department to investigate bank accounts, identify capital risks, and prevent and punish illegal and criminal acts such as telecommunications fraud and money laundering.

However, some depositors said that the bank's "first cut and then play" is easy to accidentally hurt the normal card demand, and the "unfreezing" procedure is complicated, which brings great inconvenience. In this regard, some bank staff suggested that after the account is frozen, you can contact the bank in time to understand the specific reasons, and then go to the bank branch or directly online to make abnormal appeals and unfreeze as appropriate.

The "card breaking" operation continues to gain momentum

"I suddenly froze my salary card, and in two days my salary was paid, and the text message informed me to unfreeze, and I ended up queuing for more than 3 hours." Some Weibo netizens said.

This is not an isolated case. Recently, a number of netizens in Yunnan said on Weibo that their CCB debit card was inexplicably frozen, and the text messages they received showed that "bank card transactions may be risky, and non-counter business cannot be handled temporarily".

CCB staff later responded that in order to prevent online telecommunications fraud, some customers' bank cards were controlled by level and classification. "If customers need to unfreeze, they need to go to the offline counter and bring their ID card, mobile phone, bank card, etc. for verification."

Some bankers told the Securities Times reporter that the main reasons for bank card control may include multiple incorrect passwords, long-term no transaction records, imperfect identity information, frequent transactions, large amounts of funds fast forward and out, and capital exchanges with risky accounts.

Among them, since the "card-breaking operation", in order to cooperate with the public security organs' regulatory requirements such as preventing telecommunications fraud and anti-money laundering, all banks have strengthened bank card control and conducted multiple rounds of screening of bank card data, so in recent years, a large number of bank cards have been frozen.

It is understood that the "card-breaking operation" aims to intercept the buying and selling of bank cards and telephone cards by "real names and false names", cut off the flow of information and funds of fraudulent groups, and eradicate the soil for the breeding of telecommunications network fraud and cross-border gambling crimes, with the ultimate goal of ensuring the safety of customer account funds.

Expert: It's not a good idea

For the development of the "card-breaking operation", many netizens expressed their understanding. However, some depositors also reported that "the freezing came too suddenly, and the 'card' stuck in the normal card demand", and the "unfreezing" procedure was complicated, which caused great inconvenience.

In this regard, some bank staff suggest that after the account is frozen, you can contact the bank in time to understand the specific reasons, and then go to the bank branch or directly online to make abnormal appeals and unfreeze as appropriate, and at the same time recommend that customers handle it at the wrong peak.

Analysts in the banking industry of securities firms believe that banks should not "cut off", first of all, improve accurate identification capabilities, and reduce the "accidental injury" of normal cards. At the same time, we fully respect the right of depositors to know, inform customers of the specific situation as soon as possible, and clarify the "unfreezing" rules. In addition, through online processing, local processing, etc., it is convenient for depositors to "unfreeze" as soon as possible.

Many banks also do a good job of customer safety education tips through official micro, APP and other channels: first, remind customers to keep the card, online banking U shield and other tools and account passwords, and cancel the account in time for long-term unused, idle or lost bank cards; The second is to take effective precautions, do not click suspicious links at will, be wary of QR codes and unfamiliar calls from unknown sources, and use bank cards with less funds for online payment.

At the same time, the bank reminds that for units and individuals identified by the public security organs as leasing, selling, lending, or purchasing bank accounts, while bearing legal responsibility, they must not open new accounts for 5 years, and must not suspend all non-counter business and payment account business for 5 years, and at the same time be credited to personal credit.

Comprehensive prevention and control is difficult to open a card

It is worth mentioning that after the "card breaking operation" was launched, it is no longer simple for new customers to open cards.

Many people find that compared with the past, the bank card opening process has become more complicated, according to the actual situation of the cardholder, some banks may also require additional work certificates, social security certificates, residence certificates, etc., if it is a different place to apply for a card, may require more procedures and materials.

"We can see that customers are very impatient, but we can't help it, after all, the risk of illegal card opening is too great, and it can even be said to be an important source of the high incidence of online fraud." I still hope that customers can understand that as long as the purpose of the card is normal, the bank will support it. Some bank staff said.

In response to the pain points of individual users and small and micro enterprises in opening accounts, the central bank has successively issued the "Guiding Opinions on Doing a Good Job in Personal Bank Account Services for Migrant Employment Groups and Other Groups" and "Guiding Opinions on Optimizing Services and Risk Prevention and Control of Bank Accounts for Small and Micro Enterprises" in 2021, proposing to establish and improve the categorical and hierarchical management of personal bank accounts.

The above-mentioned "Opinions" mentioned that it is necessary to make full use of existing bank accounts to prevent difficulties in opening accounts from the root. For example, banks can use customers who have already opened accounts to pay wages across banks, instead of forcing them to open new accounts with the Bank, and provide individuals with convenient services such as opening and replacing cards in different places, so as to reduce the number of new accounts opened by individuals due to study, work, life and other reasons in different places.

At the same time, improve the identification method of bank customers, optimize the account opening process in accordance with the principle of "risk-based", and review those who refuse to open an account; Implement simple account opening services for small and micro enterprises, make full use of the available external effective data, cross-verify customer identities, and reduce the requirement for customers to submit supporting materials.

Securities Times reporter An Yi