新加坡银行|一边暂停中国人开户,一边支持支付宝微信,这是要干嘛?

最近看到一条新闻,新加坡华侨银行(OCBC)搞了个大动作:

一边暂停中国大陆居民的线上开户申请,一边又上线了支付宝和微信转账的功能。

一边关门,一边又搞跨境转账,这操作是不是有点矛盾?但其实仔细一想,这背后藏着不少小心思?

今天就来跟大家聊聊,这家银行到底在干嘛🤔

1️⃣暂停开户,其实是防风险

银行不让中国大陆居民在线开户,很多人觉得麻烦,但其实这不是针对谁,而是为了降低风险。

🌟 合规压力大

最近几年,全球对金融监管抓得越来越紧,特别是反洗钱、反恐融资这一块。对于非新加坡本地的客户,银行需要花更多时间去验证身份和资金来源,稍微有一点漏洞就可能出问题。

🌟 防止滥用电子账户

现在有些不法分子会利用电子账户干坏事,比如伪造身份、做虚假交易什么的。银行为了防止这些风险,只能更严格一些,暂停在线开户也是为了让流程更安全。

所以,这并不是“拒绝客户”,而是银行在保护自己、也保护客户。

2️⃣支持支付宝微信转账,抓住中国市场

暂停开户归暂停,但华侨银行另一个新功能却让很多人眼前一亮:

支持直接转账到支付宝和微信!

这个功能表面上是服务升级,但其实是银行在抓住商机。

吸引更多用户

现在的中国客户,谁不爱用支付宝和微信呢?直接转账到内地,比之前转账到银行卡方便太多了,速度快、费率低。方便了客户,自然会吸引更多人来用华侨银行的服务。

提升竞争力

银行竞争激烈啊!谁的服务更好、更便捷,谁就能抢占市场。推出这种贴心的功能,自然能让华侨银行在跨境支付领域更有优势。

最后,我们来一起看。

这矛盾吗?其实一点都不矛盾

一个暂停开户,一个支持转账,看起来有点对立,其实背后逻辑很清楚:

暂停开户是为了防风险,支持转账是为了抓机会。

银行需要在“安全”和“创新”之间找到平衡点,既要符合监管要求,也要满足客户需求。所以,暂停开户和支持支付宝微信,其实是一种相辅相成的策略。

Jolysse说:

虽然线上开户暂停了,但你还是可以去银行开实体账户。实体账户更正规、也更稳定,尤其是做跨境转账,妥妥的没问题。

大家怎么看这个事?

不过身在新加坡工作生活的我,也中招,收到了关户的通知,真的是大无语啊/(ㄒoㄒ)/~~

我是宇思,和你一起看世界。

微信:bigwusister / WhatsApp:90088276

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JolysseWu 邬宇思

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

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您好。我是宇思,您也可以叫我Jolysse。

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策