我取自己的钱，怎么有这么多事？
<!----><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 "> <!----> <p style="text-align: left; margin-left: 8px; margin-right: 8px; line-height: 1.75;"><img class="rich_pages wxw-img js_insertlocalimg" style="width: 100%; height: auto;" src="https://pic.app.58cammp.com/Fru0be6mztzBNbZmt2ZGrkyyEijQ" /><strong style="font-size: var(--articleFontsize); outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;"><strong style="outline: 0px; font-size: var(--articleFontsize); letter-spacing: 0.034em; visibility: visible;"><span style="outline: 0px; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible;">对银行柜员来说，</span></strong></span></strong><strong style="font-size: var(--articleFontsize); outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;"><strong style="outline: 0px; font-size: var(--articleFontsize); letter-spacing: 0.034em; visibility: visible;"><span style="background-color: #ffffff; outline: 0px; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible;">询问取款用途是防范金融风险的工作规定</span></strong></span></strong></p><p style="outline: 0px; font-family: 'PingFang SC', system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px; line-height: 1.75;"><strong style="outline: 0px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">一面几十毫米厚的防弹玻璃，有时会把柜台内外办理取款业务的两个人划分成两个对立的阵营。而引起冲突、质疑与猜忌的，很多时候是来自柜员的一句话：“你的取款用途是什么？”</span></strong></p><p style="outline: 0px; font-family: 'PingFang SC', system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px; line-height: 1.75;"><strong style="outline: 0px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">“我取我自己的钱，怎么有这么多事？”这是很多储户发出的疑问。但对于柜员来说，询问取款用途，是源于防范金融风险，尤其是反诈和反洗钱的工作规定。</span></strong></p><p style="outline: 0px; font-family: 'PingFang SC', system-ui, -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px; line-height: 1.75;"><strong style="outline: 0px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">2025年1月1日，18年来首次系统性修订的新版《中华人民共和国反洗钱法》（简称“新《反洗钱法》）正式施行。在对金融业的相关规定中，该法强化和完善了反洗钱监督管理的监管力度，进一步明确了各主体的责任义务，并强化了反洗钱信息的保密。</span></strong></p><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-bottom: 40px; margin-left: 8px; margin-right: 8px;"><strong style="outline: 0px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">中国工商银行某一级支行负责人告诉深一度，在当下包括《反洗钱法》《反电信诈骗法》等相关法律法规在内的金融风险防范体系下，难免对客户办理取款、转账等金融业务造成一定麻烦，甚至导致“误伤”，但此举也是出于保护客户资金的安全。</span></strong></section><section style="margin: 8px 8px 0px; outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; text-align: center;"><img class="rich_pages __bg_gif wxw-img" style="outline: 0px; font-size: var(--articleFontsize); text-align: justify; text-indent: 0em; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-weight: bold; color: #222222; letter-spacing: 0.54px; visibility: visible !important; width: 562.1875px !important;" src="https://pic.app.58cammp.com/Fj8HpNUeTidNWocIPaKdbJYImhFJ" alt="图片" /></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; text-align: center; margin-left: 8px; margin-right: 8px;"><strong style="outline: 0px; font-size: var(--articleFontsize); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-indent: 0em; letter-spacing: 0.578px; caret-color: #07c160; visibility: visible;"><strong style="outline: 0px; caret-color: #000000; color: #000000; letter-spacing: 0.578px; text-align: justify; font-size: var(--articleFontsize); text-indent: 0em; visibility: visible;"><strong style="outline: 0px; text-align: left; text-indent: 0em; caret-color: #888888; color: #888888; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="outline: 0px; font-size: var(--articleFontsize); text-indent: 0em; letter-spacing: 0.578px; visibility: visible;"><strong style="outline: 0px; text-indent: 0em; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="outline: 0px; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; visibility: visible;"><span style="outline: 0px; font-size: 16px; visibility: visible;"><strong style="outline: 0px; letter-spacing: 0.544px; color: #d93f3f; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: justify; caret-color: #d93f3f; visibility: visible;"><span style="font-size: 16px; outline: 0px; visibility: visible; 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;">客户与柜员的矛盾</span></strong></span></strong></strong></strong></strong></strong></strong></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; text-align: center; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">2024年12月31日，包头市居民王先生想要提取其中国建设银行账户内的32万元现金，他说，此笔款项的用途是生意上的还款。当天，他在手机银行上进行相关操作，发现取款的限额是每日5万元，但他称自己设置的额度是单笔30万。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">为了能将更多余额尽快取出，他咨询了银行客服，被告知如果要提升限额，必须提交申请，等待业务部门通过资质审批后才能超额提款。王先生称，从当天下午5点到晚上10点，他拨打了十几次客服电话，但一直反馈审批还在流程中。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">“我存款的时候挺自由的，怎么取款就没有了自由？”王先生说，银行方面的解释是怀疑他遇到了电信诈骗，在相关规定下，为了保证客户的账户安全，因此设置了限额。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">很多人直到到了柜台才知道“取款不像存款那样方便”。而这种“限制”，一个是限额，一个是被要求说明取款用途。现在，在各种网络平台的搜索框里输入“大额取款”，出现最多的搜索联想之一就是“大额取款如何说明用途”。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">但事实上，相关规定已经存在了一段时间。依据2022年3月1日起实施的中国人民银行等三部门发布的《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》，个人存取现金超过5万元（或外币等值1万美元）时，应当识别并核实客户身份，了解并登记资金的来源或者用途。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">张攀是中国工商银行北方某大型城市一名支行行长。他告诉深一度，由于配合反诈、反洗钱的相关措施，客户在取款和转账时可能会遇到限制，这确实造成了不少客户的不理解甚至投诉。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">这也让银行业的相关基层从业人员面临压力。一旦客户因为遭遇操作受限而向上级主管部门投诉，根据《银行业保险业消费投诉处理管理办法》，投诉必须应诉，并就解决结果向主管部门汇报。“碰到好说话的解释解释（客户）能撤诉，碰到不好说话的就会逐级上报，逐级投诉。”张攀说。作为行长，他也需要参与到和客户解释说明的工作中。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">另一层面的压力是处罚。据《每日经济新闻》报道，2024年2月，某银行网点一名实习员工因为一名客户办理开卡业务，后该银行卡账户在使用中被查出涉诈，金额9800元。事后，该名员工被罚款7000元。他在接受采访时表示，开户过程符合规范，结果没想到两个月后该账户“突然就涉诈了”。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">每年，银行业经营主体都会因违反《反洗钱法》的相关规定受到处罚。央行最近一次，即1月27日披露的罚单显示，一家国有大行、三家股份制银行因涉及“未按规定履行客户身份识别义务”等多项反洗钱领域违规，被合计罚没约9900万元，有53名责任人被罚款或警告。 </span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="text-align: left; margin-left: 8px; margin-right: 8px;"><img class="rich_pages wxw-img js_insertlocalimg" src="https://pic.app.58cammp.com/FrnhRvH7TJRWFchO_w0K41mQ90ZB" /></section><section style="text-align: left; margin-left: 8px; margin-right: 8px;"><strong style="text-align: left; font-size: var(--articleFontsize); outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;"><strong style="outline: 0px; font-size: var(--articleFontsize); letter-spacing: 0.034em; visibility: visible;"><span style="background-color: #ffffff; outline: 0px; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible;">五万元以下的转账也可能出现“洗钱”风险</span></strong></span></strong></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="margin: 8px 8px 0px; outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; text-align: center;"><img class="rich_pages __bg_gif wxw-img" style="outline: 0px; font-size: var(--articleFontsize); text-align: justify; text-indent: 0em; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-weight: bold; color: #222222; letter-spacing: 0.54px; visibility: visible !important; width: 562.1875px !important;" src="https://pic.app.58cammp.com/Fj8HpNUeTidNWocIPaKdbJYImhFJ" alt="图片" /></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; text-align: center; margin-left: 8px; margin-right: 8px;"><strong style="outline: 0px; font-size: var(--articleFontsize); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-indent: 0em; letter-spacing: 0.578px; caret-color: #07c160; visibility: visible;"><strong style="outline: 0px; caret-color: #000000; color: #000000; letter-spacing: 0.578px; text-align: justify; font-size: var(--articleFontsize); text-indent: 0em; visibility: visible;"><strong style="outline: 0px; text-align: left; text-indent: 0em; caret-color: #888888; color: #888888; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="outline: 0px; font-size: var(--articleFontsize); text-indent: 0em; letter-spacing: 0.578px; visibility: visible;"><strong style="outline: 0px; text-indent: 0em; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="outline: 0px; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; visibility: visible;"><span style="outline: 0px; font-size: 16px; visibility: visible;"><strong style="outline: 0px; letter-spacing: 0.544px; color: #d93f3f; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: justify; caret-color: #d93f3f; visibility: visible;"><span style="font-size: 16px; outline: 0px; visibility: visible; 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;">从断卡到限额</span></strong></span></strong></strong></strong></strong></strong></strong></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; text-align: center; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">“只要能证明款项的合理合法正当用途，银行都不会刻意去麻烦客户的。”张攀说。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">至于取款预约制度，重庆农商银行工作人员李淼解释称，这主要基于两方面原因。一方面是反洗钱，防止出现购买或借用他人银行卡进行资金过渡，通过取现的形式来斩断资金链，规避金融系统的监控；第二个方面是银行的成本核算，由于库存现金相对有限，如果不限制的话会出现库存紧张，导致服务受到限制，因此要通过预约取现来方便进行现钞的调度。深一度联系的多名银行工作人员都证实了这一说法。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">银行系统就反洗钱工作开展的相关管控至少从2020年就已开始。当年10月，国务院召开打击治理电信网络新型违法犯罪工作部际联席会，决定在全国范围内开展“断卡”行动。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">“断卡”行动在银行业的措施之一是设置“一类”“二类”账户，详细严格规范客户信息审核。据业内人士介绍，因为很多电诈分子会诱骗、唆使他人办理银行卡，或购买银行卡用于赃款转移，因此，当时此项举措是为了从源头治理电信诈骗，打击银行卡非法买卖。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">据张攀回忆，对取款用途的审核从一两年前开始。一位常年接触反诈工作的县级公安局民警告诉深一度，由于断卡行动对直接转账洗钱的有效打击，不法分子只能更多采取取款的方式转移资金，具体的方式是将整笔赃款分散转至不同账户，分别取现后集中存入新账户，以实现将赃款“洗白”。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">张攀介绍，对于这种洗钱手法，银行有几种方式进行判别。其中很典型的一种是，账户先被汇入小额钱款，“试探”银行卡能否正常使用不被冻结。接着转入大笔金额，随后立即取出。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">“现在愈演愈烈的情况是，有时候即便是五万元以下的转<span style="font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">账</span>也可能出现这种情况”，张攀说，这就给银行的工作带来了更多困难。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">“小额试探”“快进快出”——他这样总结上述“高危操作”的特点。更详细的特征是，该账户先收到某账户一两块的转<span style="font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">账</span>，然后与之前汇款账户不同的另外一个账户向该账户汇入大笔资金，可能是几千至数万不等，接着在不到一个小时的时间内就来到网点要求取出。而业务员在查询该账户流水时会发现，这两个汇款账户在此前与该账户都没有资金来往。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">张攀说，对于这种情况，他们的做法是立即锁定账户然后报警：“多争取一点时间，就能增加一些追回诈骗款的可能。”而且张攀发现，这些账户的持有者通常是大学生或老年人，在受蛊惑的情况下实行了“帮信”。“只要是发现账户的变动和账户过往习惯不同，我们都会采取这种‘保护性限制’。”张攀说，“一旦没有进行限制操作，之后被查出账户涉诈，那么执行操作的业务员就会因为审核不严而被影响到考核，甚至遭受处分。”</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">2023年，北京金融信息化研究所针对25家金融机构展开了反欺诈与大数据风控专题调研，其中，超过80%的金融机构反映，2023年欺诈犯罪的整体情况比2022年更为严峻。除电诈外，网络赌博、网络信贷欺诈、营销欺诈等利用互联网与电信运营商对个人、平台、机构实施非法资金侵占的欺诈犯罪同样频发。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">对于层出不穷的电信诈骗事件，张攀也觉得无奈：“很多社区里都贴着某某业主被诈骗几百万的告示，业主群里也天天宣传，可我们片区还是会出现诈骗案件。”在他的网点，业务员在转<span style="font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">账</span>前都会和客户确认，是否和收款方认识。只要发现客户含糊不清，尤其是老人，都会多问几句。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">在电信网络诈骗领域，2023年，在我国公安部持续推进边境警务执法合作，连续开展多轮打击行动的情况下，电信网络诈骗仍呈高发态势，全年共破获案件43.7万起（2022年为46.4万起），紧急拦截涉案资金3288亿元（2022年为3180余亿元）。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">张攀遇到过一次，一位老人要转<span style="font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">账</span>51万，收款方也到了现场。收款方是一名年轻人，业务员问及二人关系，年轻人说老人是他二姨。“一看这岁数就不对，大娘都七八十了。”再问转<span style="font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">账</span>关系，老人说是投资。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">业务员当即就报了警。虽然张攀判定这是骗术无疑，但由于转<span style="font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">账</span>没有完成，且投资不能被认定为诈骗，最后也“不了了之”了。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="text-align: left; margin-left: 8px; margin-right: 8px;"><img class="rich_pages wxw-img js_insertlocalimg" src="https://pic.app.58cammp.com/FpWyFFL5wzSlvj06C-oONwsPNYS-" /></section><section style="text-align: left; margin-left: 8px; margin-right: 8px;"><strong style="font-size: var(--articleFontsize); text-align: left; outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;"><strong style="outline: 0px; font-size: var(--articleFontsize); letter-spacing: 0.034em; visibility: visible;"><span style="background-color: #ffffff; outline: 0px; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible;">对于在</span></strong></span></strong><strong style="font-size: var(--articleFontsize); text-align: left; outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;"><strong style="outline: 0px; font-size: var(--articleFontsize); letter-spacing: 0.034em; visibility: visible;"><span style="background-color: #ffffff; outline: 0px; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible;">金融安全第一线的银行柜员们来说，他们同时也处在夹缝中间</span></strong></span></strong></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="margin: 8px 8px 0px; outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; text-align: center;"><img class="rich_pages __bg_gif wxw-img" style="outline: 0px; font-size: var(--articleFontsize); text-align: justify; text-indent: 0em; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-weight: bold; color: #222222; letter-spacing: 0.54px; visibility: visible !important; width: 562.1875px !important;" src="https://pic.app.58cammp.com/Fj8HpNUeTidNWocIPaKdbJYImhFJ" alt="图片" /></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; text-align: center; margin-left: 8px; margin-right: 8px;"><strong style="outline: 0px; font-size: var(--articleFontsize); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-indent: 0em; letter-spacing: 0.578px; caret-color: #07c160; visibility: visible;"><strong style="outline: 0px; caret-color: #000000; color: #000000; letter-spacing: 0.578px; text-align: justify; font-size: var(--articleFontsize); text-indent: 0em; visibility: visible;"><strong style="outline: 0px; text-align: left; text-indent: 0em; caret-color: #888888; color: #888888; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="outline: 0px; font-size: var(--articleFontsize); text-indent: 0em; letter-spacing: 0.578px; visibility: visible;"><strong style="outline: 0px; text-indent: 0em; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="outline: 0px; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; visibility: visible;"><span style="outline: 0px; font-size: 16px; visibility: visible;"><strong style="outline: 0px; letter-spacing: 0.544px; color: #d93f3f; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: justify; caret-color: #d93f3f; visibility: visible;"><span style="font-size: 16px; outline: 0px; visibility: visible; 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;">“模型”</span></strong></span></strong></strong></strong></strong></strong></strong></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; text-align: center; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">除却此上提到的人工判定方法，深一度联系到的多位银行工作人员还会频繁提到一个关键词：“模型”。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">他们口中的“模型”指的是各家银行为实现反洗钱反欺诈等风险控制而使用的数字系统。银行中的每一笔交易都会被输入这个系统，而系统则会对账户操作进行实时监控，处理分析记录，以实现风险预警和规避。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">近年来，人工智能也被越来越多地应用于银行业务和移动支付领域。资料显示，中国银联、工商银行、招商银行等几乎所有大中型金融机构都引入了人工智能系统助力反洗钱与金融犯罪监测。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">《金融科技发展规划（2022—2025年）》将“健全自动化风险控制机制”列为重点任务，要求金融机构全面完善事前、事中、事后风险处置手段，推动风险管理向“智控”转变。据香港金融管理局2023年6月对香港零售银行进行的调研，已有超过80%的银行开始分析数字足迹和生物特征信息等“非传统”数据，同时有约40%的银行将机器学习等新兴分析技术应用于欺诈检测。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">“所以很多时候并不是我们把账户冻了，而是模型自动的行为。”张攀说。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">模型根据系统里的数据推测交易是否存在风险。因此，同样的操作，不同账户受到的系统判定是不同的。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">中国农业银行一储户黄女士向深一度讲述了她的取款经历。她说，2024年10月，她为了要在订婚宴上摆些现金“增加点仪式感”，前往附近的农业银行网点提出办理取款业务，提取3万元，并如实向业务员说明了用途。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">黄女士称，柜员告诉她，她的这张银行卡使用频率和资金流转较少，取款比较困难。黄女士随即提出，能否从其他银行卡向此卡转<span style="font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">账</span>，然后支取。面对这个需求，柜员要求她出示其他银行卡的余额，查看名下资产，包括名下汽车的资料证明，还要求提供房产证。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">李淼称，银行会对客户的需求进行甄别，进行常态化的限额管理和临时的限额调整。如果是做生意之类操作那可以适当的放宽金额，但偶尔一次调成临时限额后还会恢复到原来的额度，避免大额资金流出。她认为，黄女士遇到的情况应该属于受到临时限额，因此需要向银行证明其资金来源及用途合法合规，才能进行取现操作。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">黄女士反馈称没有房子后，又被要求让公司开具在职证明。“要求提供的东西太多了，感觉比贷款还要复杂。”黄女士说，由于耽误时间，她没有继续办理提款业务。不过，黄女士说，他的未婚夫办理相同业务却十分顺利。她猜测，是因为他的银行卡每个月要提取数万元现金用于发放工资，流水量比较大，被系统判定为不存在交易异常。深一度记者就此状况询问相关银行业从业者，他们肯定了黄女士的猜测。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">另一名储户向深一度表示，他去年12月去中国银行的一台自动提款机提取两万元现金回老家过年，但被自动提款机提示限额3千元，输入提取3千元后又被提示限额1千元。提取1千元之后，他的账户被提示账户异常，需要前往柜台办理业务。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">到了网点，他询问银行工作人员，对方告知他，因为他的这张银行卡近期有一笔大额的入账，因此这次取款操作被系统判定为有风险，自动限额了。这名储户说，那笔近期入账的钱正好两万元，是他刚刚从证券账户转出的。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">包括张攀在内的专业人士告诉深一度，“模型”的误伤确实在所难免，但另一方面，系统也确实在不断升级，并成功帮助完成了许多反金融犯罪事务。据央广网报道，2024年上半年，银联商务自行识别、阻断涉赌涉诈资金近4000万元，配合有权机关冻结涉赌涉诈资金超千万元。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">模型的健全和不断升级背后，也是经济犯罪，尤其是电信诈骗的形势变化。据张攀介绍，相对于市区网点，郊县一带的银行网点更容易被不法分子选择。而在数据采集和分析方面，此前，由于不同银行各自数据库较为有限，在一定程度上也导致了部分中小型金融机构的风险控制系统存在不够精确的状况。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">北京金融信息化研究所在其调查报告中同样指出，金融机构在反欺诈与风控领域仍普遍面临数据不足的难题。近九成的金融机构在调研中反映自身存在数据量不足、无法细分风险场景并进行建模的情况，对反欺诈与风控效果造成了较大影响。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">2024年11月26日，公安部联合多部门通报《电信网络诈骗及其关联违法犯罪联合惩戒办法》有关情况，人民银行、公安部指导行业进一步落实电信网络诈骗“资金链”（即诈骗脏款的流经账户和流向）治理。为避免“一刀切”影响用户体验，部分银行选择携手支付机构提升精准防控水平。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">2022年底施行的《反电信网络诈骗法》作为国家专门法律，更明确了银行业金融机构、非银行支付机构、电信业务经营者，以及互联网服务提供者等不同行业主体的反诈职责。其中规定，相关部门需牵头建立跨机构开卡开户数量核验机制、风险信息共享机制、反洗钱统一监测系统、跨部门涉诈样本信息共享机制等，以加强各部门、各行业、各单位之间的协同配合、快速联动。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff;">“安全”与“自由”，这两个词分别频繁出现在银行工作人员与储户的表达中。为了安全，转账与取现需要受到审查，这势必会对客户的“自由”造成限制。但另一方面，如果这种自由不受限制，那么金融安全也难以受到保障。作为站在金融安全第一线的银行柜员们来说，他们处于“自由与安全之争”的夹缝中间。当系统的“误伤”被视作安全保障的“代价”，“只能希望大家多多理解”成为了柜员们说的最多的一句话。</span></section><section style="outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; margin-left: 8px; margin-right: 8px;"></section><section style="margin-right: 8px; margin-left: 8px; white-space: normal; outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px;"></section><section class="empty_paragraph" style="-webkit-tap-highlight-color: transparent; margin-right: 8px; margin-left: 8px; outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff;"></section> <!----></div> 都是为了你好;P;P;P 不知道怎么评论 肯定是在中国，而且你的卡里面有没那么多钱钱过 无话可说 骚操作！ 现在都是這樣 银行越权耍流氓 现在的执行效率 钱在谁手谁说了算
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