银行风控
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The user was 'card locked' by the bank's risk control due to the transfer remark 'Dogecoin'.
A few months ago, Ms. Yu and her husband transferred 250 yuan pocket money through their China Construction Bank account, and noted 'Dogecoin this week' in the transfer remarks. Subsequently, their accounts were identified by the bank's system as triggering 'virtual currency control' and were set to a frozen state of 'no receipt, no payment'.
After the incident, Ms. Yu and her husband received phone calls from the bank, inquiring about their relationship and the meaning of the remarks. To lift the account restrictions, they submitted several months of bank statements and a handwritten letter of commitment based on the guidance of a certain China Construction Bank branch in Dalian to prove the legitimacy of the transaction. However, they were informed that relying solely on the statement materials might not prove the transaction was unrelated to virtual currency, and the account might not be unblocked and could only be canceled.
In response to public concerns, the official customer service hotline of China Construction Bank stated that if the system detects a high risk in the account, it may indeed be set to the 'no receipt, no payment' status, but the specific judgment criteria should be consulted with the account-opening bank.
The staff at the involved branch pointed out directly that if the transfer remarks involve sensitive terms like 'Dogecoin', the bank will manage the account in accordance with regulations. Customers need to provide materials to prove that the remarks are unrelated to virtual currency, but this often poses challenges in practice.
Fortunately, after the incident was reported by the media, the situation seems to have taken a turn for the better. The staff at the account-opening bank proposed a new solution, stating that after submitting the marriage certificate of both parties, they can apply to lift the account restrictions. Currently, Ms. Yu and her husband are applying for unblocking based on the latest guidance, and the final outcome of the incident remains to be observed.
In summary, this incident also intuitively reflects the potential 'collateral damage' risks in the risk control models that financial institutions may adopt while strictly implementing anti-money laundering, anti-fraud, and compliance requirements.
It is understandable for banks to take control measures for suspicious transactions based on their duty to prevent risks. However, vague remarks can lead to a complete freeze of account functions, and the unblocking process is complex with inconsistent standards, significantly inconveniencing users' normal financial lives.
In the future, how to reduce this 'collateral damage' risk, and how to find a balance between effective risk control and ensuring users' rights to normal account usage, has become a topic worthy of in-depth consideration by the banking industry.
#银行风控 #锁卡
A few months ago, Ms. Yu and her husband transferred 250 yuan pocket money through their China Construction Bank account, and noted 'Dogecoin this week' in the transfer remarks. Subsequently, their accounts were identified by the bank's system as triggering 'virtual currency control' and were set to a frozen state of 'no receipt, no payment'.
After the incident, Ms. Yu and her husband received phone calls from the bank, inquiring about their relationship and the meaning of the remarks. To lift the account restrictions, they submitted several months of bank statements and a handwritten letter of commitment based on the guidance of a certain China Construction Bank branch in Dalian to prove the legitimacy of the transaction. However, they were informed that relying solely on the statement materials might not prove the transaction was unrelated to virtual currency, and the account might not be unblocked and could only be canceled.
In response to public concerns, the official customer service hotline of China Construction Bank stated that if the system detects a high risk in the account, it may indeed be set to the 'no receipt, no payment' status, but the specific judgment criteria should be consulted with the account-opening bank.
The staff at the involved branch pointed out directly that if the transfer remarks involve sensitive terms like 'Dogecoin', the bank will manage the account in accordance with regulations. Customers need to provide materials to prove that the remarks are unrelated to virtual currency, but this often poses challenges in practice.
Fortunately, after the incident was reported by the media, the situation seems to have taken a turn for the better. The staff at the account-opening bank proposed a new solution, stating that after submitting the marriage certificate of both parties, they can apply to lift the account restrictions. Currently, Ms. Yu and her husband are applying for unblocking based on the latest guidance, and the final outcome of the incident remains to be observed.
In summary, this incident also intuitively reflects the potential 'collateral damage' risks in the risk control models that financial institutions may adopt while strictly implementing anti-money laundering, anti-fraud, and compliance requirements.
It is understandable for banks to take control measures for suspicious transactions based on their duty to prevent risks. However, vague remarks can lead to a complete freeze of account functions, and the unblocking process is complex with inconsistent standards, significantly inconveniencing users' normal financial lives.
In the future, how to reduce this 'collateral damage' risk, and how to find a balance between effective risk control and ensuring users' rights to normal account usage, has become a topic worthy of in-depth consideration by the banking industry.
#银行风控 #锁卡
铭亿mecoin互关:
互关一下大佬
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【Shocking! Transfer remark 'Dogecoin', the bank directly locks the card!】 Has risk monitoring reached such a level? 🚨$DOGE
This recent incident is enough to make everyone in the circle feel a chill. A user had their account locked in a 'no receipt, no payment' status simply for transferring 250 yuan at the bank with the remark 'This week's Dogecoin'.
The bank's phone verification, requests for transaction records, written commitments... a whole process just to prove that this 250 yuan was not used to buy coins. Staff even stated explicitly: Remarks involving virtual currency keywords, if unable to prove innocence, the account may only be canceled.
This is not an isolated case. Behind this is increasingly strict risk control. Seven associations have recently jointly issued a statement, reiterating that participation in virtual currency-related activities within the country is prohibited. The bank's system monitoring is becoming extremely sensitive.
🔍 Core Points:
1. Compliance red lines are clear: Domestic control over virtual currency transactions has extended from exchanges to the daily transactions of personal bank accounts. Triggering keywords and manual verification will become the norm.
2. Operational risks are significantly increased: Even if you are purely joking or unrelated to trading, once risk control is triggered, the unblocking process is cumbersome, and the time cost is high.
3. Future expectations: This move will further separate 'on-site' and 'off-site' capital channels, reminding us to pay attention to the remarks and safety of capital flow paths. Asset allocation and compliance operations under a global perspective are becoming increasingly important.
💎 Summary:
This is not a joke; it is a serious risk signal. While embracing the global wave of blockchain, we must more clearly recognize and comply with local regulatory rules to protect our asset safety. Times are progressing, but each step must be taken steadily.
Ether Meme's new favorite 'P, U, P, P, I, E, S'
小 奶 🐶社 区 聊 天室
#风险提示 #银行风控 #数字货币 #合规 #资金安全
This recent incident is enough to make everyone in the circle feel a chill. A user had their account locked in a 'no receipt, no payment' status simply for transferring 250 yuan at the bank with the remark 'This week's Dogecoin'.
The bank's phone verification, requests for transaction records, written commitments... a whole process just to prove that this 250 yuan was not used to buy coins. Staff even stated explicitly: Remarks involving virtual currency keywords, if unable to prove innocence, the account may only be canceled.
This is not an isolated case. Behind this is increasingly strict risk control. Seven associations have recently jointly issued a statement, reiterating that participation in virtual currency-related activities within the country is prohibited. The bank's system monitoring is becoming extremely sensitive.
🔍 Core Points:
1. Compliance red lines are clear: Domestic control over virtual currency transactions has extended from exchanges to the daily transactions of personal bank accounts. Triggering keywords and manual verification will become the norm.
2. Operational risks are significantly increased: Even if you are purely joking or unrelated to trading, once risk control is triggered, the unblocking process is cumbersome, and the time cost is high.
3. Future expectations: This move will further separate 'on-site' and 'off-site' capital channels, reminding us to pay attention to the remarks and safety of capital flow paths. Asset allocation and compliance operations under a global perspective are becoming increasingly important.
💎 Summary:
This is not a joke; it is a serious risk signal. While embracing the global wave of blockchain, we must more clearly recognize and comply with local regulatory rules to protect our asset safety. Times are progressing, but each step must be taken steadily.
Ether Meme's new favorite 'P, U, P, P, I, E, S'
小 奶 🐶社 区 聊 天室
#风险提示 #银行风控 #数字货币 #合规 #资金安全
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