Some banks have successively adjusted the online trading limit of personal accounts, and some banks have reduced their daily limit to less than 5,000 yuan.

Our reporter Peng Yan

Recently, some banks have adjusted the transaction limit of non-counter channel payment. Many banks, such as Bank of Qingdao and bank of dalian, have successively issued announcements to reduce the total payment limit of some personal accounts through non-counter channels. Among them, Qingdao Bank adjusted the daily limit of some personal accounts to less than 5,000 yuan.

According to the reporter’s understanding, since last year, in order to ensure the financial security of customer accounts, a number of banks have successively adjusted the limits of some customers’ non-counter transactions. What is the specific limit and whether it is limited? Banks make different adjustments to different regions and different customers, depending on the actual use of personal accounts and relevant policies in the region.

According to the historical usage of customers’ bills, Qingdao Bank will take protective measures to reduce the total payment limit of some personal accounts in non-counter channels (including online banking, mobile banking, express payment, self-service teller machines’ ATM’ and consumer terminals’ ‘POS machines’). The so-called non-counter channel refers to the business that is not handled at the bank counter, including but not limited to the business handled through online banking, mobile banking, gateway payment, express payment, POS, ATM, etc.

The Securities Daily reporter called a branch of Qingdao Bank, and the bank’s counter staff said that reducing the total payment limit of some personal accounts in non-counter channels was mainly aimed at restricting transactions in personal bank accounts with no transactions for a long time and low account balance, and adjusting the daily limit to less than 5,000 yuan.

"The risk control for personal bank accounts is tightened mainly to reduce the risk of damage to users’ funds. Because many users have lost their bank cards or have not used them for a long time. " The counter staff of Qingdao Bank told reporters that if the user subsequently applies for raising the limit, the bank will set a reasonable off-counter payment limit after re-evaluation.

Wu Dan, a researcher at China Banking Research Institute, told the Securities Daily that this is an important way to prevent and control bank accounts. It is difficult to confirm the real trading intention of customers for large-value transactions in non-counter channels, and it is difficult for customers to recover once the transfer is successful, so it is necessary to improve the transaction monitoring measures. Identifying customers’ daily trading habits through technical means, conducting customer risk assessment in time, and imposing account restrictions on abnormal operations can effectively protect customers’ "money bags" and give them normal operations when the security signals are sufficient, which greatly improves the quality and efficiency of financial anti-fraud and anti-fraud work.

In recent years, banks have been strengthening the management of personal accounts, from clearing "sleep accounts" to "one-person excess accounts", and then upgrading to include bank cards with balances lower than those in 10 yuan into sleep accounts. In particular, since last year, a number of banks have launched the "broken card" action.

Xue Hongyan, vice president of Xingtu Financial Research Institute, told the Securities Daily that the bank’s adjustment of account limit is mainly based on the need to prevent telecommunication network fraud or anti-money laundering. It monitors the account payment and transfer in real time through the system model, and adjusts the trigger limit for abnormal accounts. In addition, some sleep accounts that have not been used for a long time may also be lowered by the bank and need to be reactivated at the counter.

Wu Dan said that it is equally important for banks to improve the convenience of customers’ transactions and ensure the safety of customers’ funds. It is necessary to continuously improve the ability of account risk prevention and control management, find high-risk account transactions in time and implement dynamic tracking to reduce the risks involved in related accounts.

Xue Hongyan said that banks should improve the recognition accuracy of the monitoring model; For the account that triggers the limit adjustment mechanism, more options should be given to remove the restrictions, especially allowing users to operate online, so as to reduce the time cost and transportation cost of counter application.