Since the "card breaking action", the bank has continuously strengthened risk control management. The reporter of China Securities News learned that when opening bank cards for customers, most banks would ask customers about the actual purpose of opening cards. Different banks have different requirements on the required materials, and some banks need to provide additional proof materials. Industry insiders said that this move was mainly aimed at anti-money laundering and preventing telecommunications network fraud. In the future, banks can achieve a balance between risk prevention and customer convenience by improving the level of risk control and financial technology and improving the ability to accurately serve customers. Many banks strictly manage card opening. "Recently, when I went to the bank to apply for a card, I not only need ID card, but also need to provide work certificate. Is it so difficult to apply for a bank card now?" Mr. Li told the reporter of China Securities News. On social platforms, there are also customers who need to provide additional proof materials when applying for bank cards. In this regard, the reporter investigated many banks and learned that most of them would ask the customer about the actual use of the card when handling bank cards for customers. Some banks need to provide proof materials other than ID cards. In addition, most new cards have non-counter transaction limits. If customers need to increase the limit, they also need to submit relevant proof materials. Some banks have strict requirements. A staff member of a branch of Agricultural Bank of China in Beijing told the reporter that if a salary card was issued, in addition to the ID card and my real name mobile phone number, a labor contract should also be provided. In addition, supporting materials such as medical insurance card, social security card, driver's license and passport are also required. "These materials are mainly provided for identity verification," the staff said. Some banks said that whether they need to provide additional supporting materials varies from customer to customer. For example, the staff of a branch of ICBC in Beijing introduced that the supporting materials are not necessary. Customers can carry their ID cards and their real phone numbers. The staff will verify the customer information in the system. If there is no abnormality, no other materials need to be provided. The staff of a branch of China Construction Bank in Beijing said that customers can open cards without providing other proof materials, but if they want to increase the limit of non-counter transactions, they need to provide medical insurance cards, social security cards and other materials. Many banks also restrict the non-counter transaction limit of new cards. For example, the non-counter trading limit of the newly opened Class I account of ICBC is 10000 yuan, that of China Construction Bank is also 10000 yuan, and that of the newly opened Class I account of China Merchants Bank is 5000 yuan. Continuous upgrading of risk control For the reasons for strengthening the audit of card opening business and setting non-counter transaction limits, many bank staff said that this move was mainly to implement the relevant requirements of anti-money laundering and prevention of telecommunications fraud, which is not a new requirement recently, but has been gradually implemented in the past few years. During the reporter's investigation, the staff of many banks said that it was necessary to first see whether the customer had opened a bank account with the bank. The staff of a branch of ICBC in Beijing said: "It is necessary to check whether there has been a card in ICBC before with the customer's ID card. If there has been a card before, you can no longer open a Class I account, only a Class II account." The staff of China Merchants Bank also said that a single customer can only open a Class I account in China Merchants Bank, and the total number of Class I, II and III accounts is not more than four