2025年11月10日，律師周筱贇公開拒絕接受建設銀行東營分行副行長侯新的道歉，並以實名向中國人民銀行及國家金融監管總局控告該行管理層，指控其在反詐騙措施上違規加碼，涉嫌違反央行規定，事件迅速引發社會關注。

事件起因發生於11月3日，周筱贇前往建行東營東城支行取現4萬元人民幣。雖然根據中國人民銀行規定，登記用途標準為 5萬元及以上，但銀行櫃員卻要求其說明資金具體用途，並追問其其他交易記錄。當周筱贇拒絕配合後，銀行聲稱已報警，但警方並未到場。雙方僵持約半小時，最終周放棄取款離開。

11月5日，周筱贇在微博曝光此事，質疑銀行以反詐為名侵犯其個人隱私。建行東營支行解釋稱其行為是“執行地方反詐要求”，然而東營市反詐中心則明確否認存在任何金額標準，並指出銀行無權阻止正常業務。此事引發公眾對銀行自主加碼反詐措施的合法性和合理性的廣泛討論。

爭議焦點主要在於建行東營支行將央行規定的“5萬元以上需登記用途”自行加碼為“1萬元以上”，並要求儲戶提供具體用途說明，違反2025年8月央行取消硬性登記的新規。銀行櫃員聲稱此為“反詐中心要求”，但反詐中心明確表示銀行自行決定，導致責任互相推諉。

隨後，11月10日，建行東營分行副行長侯新對周筱贇進行道歉，但周表示不接受，認為道歉僅針對“體驗不佳”，並未承認銀行存在違規加碼行為。當日，周正式向央行及國家金融監管總局提出控告，要求對建行管理層追責並推動制度整改。

事件在社會上引發廣泛反響，吸引數千萬網友關注。多名儲戶表示曾有類似遭遇，質疑銀行反詐措施過度防控，部分銀行員工私下也支持周筱贇，指出基層員工背負過重反詐考核壓力，導致制度執行偏差。周筱赟表示將通過法律途徑維權，並呼籲監管部門明確銀行在反詐工作中的責任邊界，防止層層加碼損害儲戶權益。央行已對此事表示關注，未來可能出台內部規範文件，以避免類似事件再次發生。

On November 10, 2025, lawyer Zhou Xiaoyun publicly rejected an apology from Hou Xin, deputy director of the Dongying branch of China Construction Bank (CCB), and filed a formal complaint with the People’s Bank of China and the National Financial Regulatory Administration. Zhou accused the bank’s management of illegally intensifying anti-fraud measures, allegedly violating central bank regulations, a controversy that quickly drew widespread public attention.

The incident began on November 3, when Zhou attempted to withdraw 40,000 yuan at CCB’s Dongcheng sub-branch in Dongying, Shandong. Although the People’s Bank of China stipulates that recording the purpose of funds is required only for withdrawals of 50,000 yuan or more, the bank teller demanded that Zhou explain the specific purpose of the funds and also inquired about other transaction records. When Zhou refused to comply, the bank claimed to have called the police, though no officers arrived. After a standoff lasting about 30 minutes, Zhou ultimately left without completing the withdrawal.

On November 5, Zhou posted the incident on Weibo, questioning the bank’s actions as an invasion of personal privacy under the guise of anti-fraud measures. The Dongying branch stated that it was “implementing local anti-fraud requirements,” but the Dongying Anti-Fraud Center denied setting any threshold and emphasized that the bank had no authority to block normal transactions. The episode sparked public debate over whether banks were exceeding their authority in implementing anti-fraud measures.

The controversy centered on the branch raising the central bank’s 50,000-yuan registration threshold to 10,000 yuan, requiring customers to declare the purpose of funds—contradicting regulations issued in August 2025, which removed mandatory registration requirements. Bank staff claimed this was “per anti-fraud center instructions,” while the anti-fraud center clarified that the bank acted on its own, resulting in a mutual blame game.

On November 10, Hou Xin issued an apology to Zhou Xiaoyun, but Zhou rejected it, stating that the apology addressed only a “poor experience” and did not acknowledge the bank’s regulatory violations. On the same day, Zhou officially filed a complaint with the People’s Bank of China and the National Financial Regulatory Administration, calling for accountability of the bank’s management and systemic reforms.

The incident drew significant social attention, with tens of millions of netizens following the case. Many account holders reported similar experiences, questioning the excessive anti-fraud measures, and some bank employees privately expressed support for Zhou, citing the heavy anti-fraud assessment pressures at the grassroots level that may have caused enforcement deviations.

Zhou Xiaoyun has vowed to defend his rights through legal channels and called on regulatory authorities to clarify banks’ responsibilities in anti-fraud operations, preventing overreach that infringes on customers’ rights. The People’s Bank of China has taken notice of the case and may issue internal regulatory guidance to prevent similar incidents in the future.