揭秘！银行卡转账限额为何“缩水”？解锁提额新姿势
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.58cammp.com/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <section style="margin: 0.8em 1em; padding: 0px; color: #333333; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; max-width: 100%; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; letter-spacing: 0.544px; color: #888888; text-align: left; text-decoration: inherit; max-width: 100%; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="font-size: 16px; letter-spacing: 0.578px; text-wrap: wrap;">为何要限额？</span><span style="font-size: 16px; letter-spacing: 0.578px; text-wrap: wrap;">据多家银行回复，此举主要是为了防范电信诈骗。</span><span style="font-size: 16px; letter-spacing: 0.578px; text-wrap: wrap;">被下调非柜面交易限额的客户情况不尽相同，但普遍是按照“银行账户功能与账户风险等级相匹配”的原则不定期动态调整。</span></span></section><section style="margin: 0px; padding: 0px; max-width: 100%; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"></section></section></section><section style="margin-bottom: 0px;"><section style="margin-bottom: 24px;"><span style="font-size: 16px;">连日来，一则“工资卡转账限额被降到500元”消息引发街谈巷议，银行卡转账限额为何会突然被降低？影响多大？怎么解决？</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">新京报贝壳财经记者多方了解发现，不少银行此前已经发布公告预告了将要调整部分个人银行结算账户非柜面交易限额的动作，调整包括网上银行、手机银行、自助设备、第三方支付、POS等方面的支付限额。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">为何要限额？据多家银行回复，此举主要是为了防范电信诈骗。被下调非柜面交易限额的客户情况不尽相同，但普遍是按照“银行账户功能与账户风险等级相匹配”的原则不定期动态调整。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">多位银行内部人士告诉贝壳财经记者，银行会根据客户的账户历史交易等情况，对客户账户安全进行分类。当不用的旧账户突然出现大额现金流等情况下，客户的使用行为会被银行系统判定为具有安全风险的情况，此时银行便会下调银行卡的相关限额。</span></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="outline: 0px; font-size: 18px; visibility: visible;"><span style="outline: 0px; color: #ab1942; font-size: 15px; visibility: visible;">━━━━━</span></strong></section><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">原因一：卡内资金有变化</strong></p><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">江苏银行等银行会根据</strong></p><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">卡内资产变化动态调整限额</strong></p><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;"> </strong></p><section style="margin-bottom: 24px;"><span style="font-size: 16px;">7月以来，多家银行发布公告称，将动态调整银行结算账户非柜面交易限额。而调整的重要依据是银行卡的使用情况。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">江苏银行常州分行在7月4日发布的公告中指出，本次调整，该行将根据客户的账户历史交易等情况，对客户账户非柜面业务的日交易笔数、日交易限额、年交易笔数、年交易限额等进行相应的调整。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">“本次调整并不是针对单一个人进行调整。”在贝壳财经记者以客户身份咨询时，江苏银行客服人员表示，这是大规模的集体调整。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">随后，贝壳财经记者从江苏银行网点工作人员处了解到，该行会根据客户卡内资产对客户进行分类，如果银行卡中日均余额低于某一指标，银行卡的转账限额就会有相应的变化。“客户想要提升转账额度，需要提供与之相对应的资产证明。”</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">参考银行卡内资产进行限额调整的银行不在少数。某股份制银行北京分行人士亦表示，该行也需要查看银行卡内金融资产规模进行限额。如果卡内额度相对较少，那么该卡片非柜面交易限额的最高限额也相对较少。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">此外，一些银行还会针对银行卡使用者的变动对账户的限额进行设置。有银行人士告诉贝壳财经记者，如客户在跳槽后，由于原本的工资卡停止发放工资，部分客户可能就停止使用这张银行卡，也会造成一定的账户安全隐患。因此，银行相关系统也可能会对这类账户非柜面交易限额进行下调。</span></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="outline: 0px; font-size: 18px; visibility: visible;"><span style="outline: 0px; color: #ab1942; font-size: 15px; visibility: visible;"> </span></strong></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="outline: 0px; font-size: 18px; visibility: visible;"><span style="outline: 0px; color: #ab1942; font-size: 15px; visibility: visible;">━━━━━</span></strong></section><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; text-align: justify; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; font-size: 18px; visibility: visible;">原因二：账户使用较少</strong></p><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">不用的旧账户突然</strong></p><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">出现大额现金流或被判定有风险</strong></p><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;"> </strong></p><section style="margin-bottom: 24px;"><span style="font-size: 16px;">“银行体系内都有一套完整的账户安全判定体系，这个体系会动态判定银行账户风险。”东部地区某城商行相关负责人告诉贝壳财经记者，这些风险的判定，主要是叠加此前已经发生过的一些电信诈骗案例来做判断。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">该负责人举例表示，一些不用的旧账户突然出现大额资金流入、流出，系统就可能会认定相关账户存在电信诈骗风险。此前确实出现过部分客户将不用的银行卡账户通过网络贩卖给一些犯罪分子，用来洗钱、电信诈骗等。而有了这样的案例后，银行的账户安全系统就会识别类似的风险隐患。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">此外，多家银行曾多次开展“沉睡账户”的清理整顿工作。一般情况下，客户在多年及以上未发生主动交易的活期储蓄或结算账户，可能会被注销或无法使用。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">如今年5月以来，工商银行、建设银行、光大银行、民生银行等多家银行均发布了“开展个人‘沉睡账户’提醒提示工作的公告”，并针对多年及以上未发生主动交易的活期储蓄或结算账户进行清理。其中，主动交易是指存现、取现、转账、消费等除计结息、账户管理费以外的交易。上述银行提示，客户可携带有效身份证件到银行网点办理资金提取或注销等业务。 </span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">有业内人士表示““沉睡账户”易出现两方面问题。对金融消费者来说，“沉睡账户”意味着可能的个人资金闲置，并且可能增加账户管理费等不必要的支出；而从金融安全的角度来说，“沉睡账户”会给不法分子可乘之机，通过各种不正当渠道收集这些账户，用于跨境赌博、洗钱、电信诈骗等新型网络犯罪。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">除了上面两种情况，新开的和跨省办的银行卡，在进行非柜台交易、转账等操作时，额度亦会被限制。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">农业银行客服人员对贝壳财经记者表示，如果是该行柜面签约客户，却无法在个人掌银渠道自助调高“线上转账/支付限额”，可能是因为客户签约网络金融渠道的时间小于6个月，或者输入的目标调整金额超过客户在该行持有的金融资产。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">“新办卡、跨省办卡的客户往往会被银行认定成为风险等级相对较高的客户，因此这类客户新办的银行卡非柜台转账额度普遍较低。”有银行业内人士指出，同样是因为此前有电信诈骗犯罪嫌疑人通过新办卡走账，为此银行业提高了这类账户的监控力度。</span></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="outline: 0px; font-size: 18px; visibility: visible;"><span style="outline: 0px; color: #ab1942; font-size: 15px; visibility: visible;"> </span></strong></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="outline: 0px; font-size: 18px; visibility: visible;"><span style="outline: 0px; color: #ab1942; font-size: 15px; visibility: visible;">━━━━━</span></strong></section><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">原因三：涉嫌违法犯罪行为</strong></p><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">一些账户被监管机关</strong></p><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">列入重点关注名单</strong></p><p style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;"> </strong></p><section style="margin-bottom: 24px;"><span style="font-size: 16px;">除上述情况外，还有一些银行账户被降低转账额度，甚至被停用，实际上是涉嫌了诈骗和洗钱等违法行为。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">有银行工作人员表示，相关监管机关会不定期将一些可疑账户清单交给银行，并邀请银行配合相关监管机关打击诈骗、洗钱等违法行为，以及资金涉案等情况，账户都有可能会被限制或冻结。一般情况下，相关监管机关已经掌握了一定的证据，才会对这类账户进行限制。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">此前就曾有过境内投资者由于大额比特币交易导致银行账户被冻结的情况。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">有业内人士告诉贝壳财经记者，比特币的交易在国内已经不被许可，监管部门已经密切关注。而比特币本身具有一定的洗钱特征，因此当时被冻结银行卡多数是因为对方资金里面混入电信诈骗的资金。</span></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="outline: 0px; font-size: 18px; visibility: visible;"><span style="outline: 0px; color: #ab1942; font-size: 15px; visibility: visible;">━━━━━</span></strong></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">转账额度被下调怎么办</strong></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">客户可携带相关证明</strong></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;">前往银行网点调整</strong></section><section style="margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: #222222; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; text-align: center; visibility: visible;"><strong style="font-family: inherit; outline: 0px; letter-spacing: 0.54px; text-decoration: inherit; text-align: justify; font-size: 18px; visibility: visible;"> </strong></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">银行转账限额被下调怎么办？客户无需慌张，不少银行为客户预留了灵活处理的空间。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">多家银行告诉贝壳财经记者，如果遭遇银行转账限额被下调，客户可以先尝试通过手机银行或网银进行调整。不仅如此，银行还给客户预留了其他通道，如部分银行通过手机银行将资金转至本人名下的他行银行卡额度相对较高，还有银行则为客户预留了临时调高额度的安排，这可以满足客户偶发性的大额转账或支付需求。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">如果客户想要获得长时间的大额转账权限，则需要前往银行网点进行办理。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">中国银行大连市分行在公告中指出，如客户个人结算账户的额度无法满足正常需求，客户可携带本人银行卡、有效身份证件到该行任一网点申请更改。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">台州银行亦表示，若调整后的额度无法满足客户的日常非柜面渠道资金交易需求，个人客户请携带本人有效身份证件、银行卡/活期存折、资金交易证明材料等辅助证明材料，单位客户请法定代表人或经办人携带本人有效身份证件、企业公章、企业相关资产证明等，至该行任一营业网点申请调额，该行将根据核实结果，为客户合理调整限额。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">不过，有银行工作人员指出，银行重新核准的结果也还是会参考客户资金使用的情况。如果客户希望放开比往常交易流水明显过大的转账额度，银行也可能会拒绝相关要求。</span></section><section style="margin-bottom: 24px;"><span style="font-size: 16px;">“银行限额的初衷是为了防止电信诈骗，但由于针对电信诈骗的防范措施会不断加码，因此确实会存在误伤的情况。”有分析人士表示，银行在调整相关业务时，应提高监控模型的识别精准度以减少误判率；对于触发限额调整机制的账户，应给予更多解除限制的选择。同时，对于易被模型误判的操作行为，银行应视情况加大与用户的沟通力度，避免多次误判给用户带来困扰。</span></section><section class="" style="margin-bottom: 24px;">来源：新京报</section></section><section style="margin-bottom: 0px;"><section style="display: none; 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margin-bottom: 0px;"></section></section><section style="margin-bottom: 0px;"><section style="display: none; margin-bottom: 0px;"></section></section><section style="margin-bottom: 0px;"><section style="display: none; margin-bottom: 0px;"></section></section><section style="margin-bottom: 0px;"><section style="display: none; margin-bottom: 0px;"></section></section><section style="margin-bottom: 0px;"><section style="display: none; margin-bottom: 0px;"></section></section><section style="margin-bottom: 0px;"><section style="display: none; margin-bottom: 0px;"></section></section><section style="margin-bottom: 0px;"><section style="display: none; margin-bottom: 0px;"></section></section><p style="display: none;"> </p> <!----></div> 银行就是最大的电诈公司 好厉害 为群众服务
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