According to ChainCatcher news, recently, Ms. Yu and her husband transferred 250 yuan as pocket money through China Construction Bank, with the note 'this week's Dogecoin', which led to a bank investigation and card lock. Both received calls from the bank staff to verify their relationship and the reason for the transfer note, stating that the note triggered 'virtual currency control' and the account would be set to a 'no deposit, no withdrawal' status.
The bank staff informed Ms. Yu that to unlock her account, she needs to submit her husband's bank statement for the past few months. After the review is approved, she must write a letter of commitment, promising that there were no virtual currency transactions before and that she will not participate in virtual currency transactions in the future. However, her husband is strongly opposed to directly restricting account usage and is currently negotiating with the bank staff. In response, China News Weekly called the customer service hotline of China Construction Bank to inquire about the situation. The staff stated that they had not received any information regarding virtual currency control and suggested consulting relevant branches for specific details.
Subsequently, China News Weekly consulted Ms. Yu's account bank branch at a certain Construction Bank location in Tianjin, where the staff indicated they were unaware of the relevant situation. However, her husband's account bank branch staff at a certain Construction Bank location in Dalian stated that if the account involves virtual currency transactions, the bank will implement a 'no deposit, no withdrawal' control on the account. If the transfer note specifies 'Dogecoin', materials must be provided to prove that the remark is unrelated to virtual currency. The problem lies in how to provide proof; if only bank statements are available, they cannot serve as valid proof materials. Therefore, such controlled accounts cannot be unblocked and can only be closed.
As for what the specific regulations are, the other party did not provide a clear response. Currently, Ms. Yu has submitted her husband's bank statements and a handwritten letter of commitment, and is applying to lift the account restrictions; while her husband's account bank staff responded that after submitting their marriage certificate, they can apply to lift the restrictions. According to Xinhua News Agency, the China Internet Finance Association and six other associations jointly issued a risk warning, requiring all member units not to participate in virtual currency, real-world asset token issuance, and trading activities within the country, and reminding the public to discern risks and stay away from illegal activities.
