2023-07-25 06:16 United Daily News reporter Zhu Hanlun/Taipei report The Financial Supervisory Commission has recently launched a special financial inspection, focusing on whether the bank understands the customer’s motivation when raising the agreed transfer limit, or related review…
Considering that the problem of illegal cash flow related to the increase of the agreed transfer limit is becoming more and more serious, it is understood that the Financial Supervisory Commission has recently launched a special financial inspection to determine whether the bank’s gatekeeping mechanism and risk control measures for the agreed transfer limit increase are in place.
People in the financial circle pointed out that in addition to conducting routine financial inspections of major banks, the Financial Supervisory Commission has also launched special financial inspections on many banks in response to the increase in agreed transfer limits. Compared with the upper limit of the agreed transfer amount increase, the Financial Supervisory Commission’s special financial inspection is more concerned about whether the bank allows the increase of the agreed transfer limit at will, but does not simultaneously understand the customer’s motivation for increasing the agreed transfer limit, or lacks a review mechanism that is directly reviewed by the branch supervisor when the agreed transfer limit is increased.
In addition to private banks, the targets of this special financial inspection by the Financial Supervisory Commission also include a number of publicly-owned banks. Relevant sources pointed out that the Financial Supervisory Commission will first target large banks with deposit accounts and many branches, and will expand to small and medium-sized banks in the future. As for the launch of this special financial inspection, it is because in the past month or so, there have been fraudulent incidents involving bank branch managers and bank staff related to the increase of the agreed transfer limit, which made the Financial Supervisory Commission evaluate the need for a comprehensive investigation of the Bank of China.
The Financial Supervisory Commission has strictly ordered banks to take special precautions on the increase of the agreed transfer limit to prevent head accounts from easily remitting large sums of money. It is understood that more and more banks have comprehensively tightened the relevant regulations on increasing the agreed transfer limit. In addition, some banks also have the authority to increase the upper limit of agreed transfers, and only the deputy managers and managers of the branch can approve the refusal directly.
Bank of China executives pointed out that the right to reject the right to be withdrawn from the counter staff is because although the branch has a number plate drawing mechanism, through the “random matching” method, staff who avoid collusion with illegal groups can directly help them increase the transfer limit, but this method still has blind spots.
The supervisor of the bank said that when bankers open online banking for customers, they agree on a single transfer limit of 2 million yuan and a single day limit of 3 million yuan, which is almost the official version of all banks. Whether you know the payee, how high the level of review is when the limit is raised, etc.
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2023-07-24 22:16:37
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