Why is it so difficult to apply for U-Shield in a bank?
First, the purpose of U-Shield is large-amount transfers. Basically, U-Shield is needed only when the daily cumulative transfer exceeds 1 million yuan. Most ordinary people do not need such a large amount of money except for buying a house and doing business, and these two purposes are actually very easy to provide relevant materials, such as house purchase contracts, business licenses, company transaction contracts, etc.
Second, a big risk point of U-Shield is that it can achieve separation of people and shields. The person who operates the U-Shield transfer may not be the same person as the account holder. There is a huge risk point here, unless it is stipulated that the U-Shield transfer must be operated under the surveillance of a computer camera throughout the process, and face recognition and liveness verification can be performed at any time. When transferring money through mobile banking, the mobile phone software can call the authority to verify the customer's GPS address, fingerprint, face recognition, liveness verification, and even iris recognition in the future at any time to confirm that it is the person who is operating.
Third, in practice, many people apply for U-Shield and put it in the unit for company finance. This kind of thing itself is not compliant and can be rejected. Because bank accounts cannot be rented, lent, or sold to others for use.
Fourth, the risk control of bank accounts is very strict now. If there are accounts involved in the case, the bank will be held accountable. Youdun is a very risky tool, so it will inevitably be strictly audited.
PS: I received a complaint yesterday. The first thing a customer said was that he wanted to apply for a Youdun for his personal card and give it to the accountant. Such a blatant violation was directly rejected and a complaint was made. Well, any idiot can complain anyway.
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