The transfer limits of China Everbright Bank’s mobile banking are divided into two situations:

1. There is no limit for transfers between the bank’s personal accounts;

2. The bank’s accounts of others , Inter-bank transfer:

1) The transfer limit for the mobile phone dynamic password version is 50,000 yuan/day;

2) The transfer limit for the Sunshine Token version is 500,000 yuan/day.

1. When transferring via mobile banking, the system defaults to a daily cumulative external transfer limit of 500,000 yuan, 50 transactions, and an annual cumulative external transfer limit of 20 million yuan;

2. Activate a mobile phone The bank's external transfer limit within 3 days is 5,000 yuan/day, and this limit cannot be modified.

Mobile banking risk analysis

First, technical risk. Including risks in identity authentication, smartphone client management, network transmission environment security, etc. In terms of identity authentication, mobile banking generally uses SMS authentication, reservation code verification, and reserved information verification. There is a risk that the password will be cracked or stolen due to customers' weak security awareness and frequent interpersonal interactions. Smartphone customers/, In terms of terminal management, when users download new mobile phone software, due to customer privacy concerns, customers will not be required to conduct a comprehensive test on the security of the newly installed software. This has caused security risks to mobile banking to a certain extent, and the network transmission environment is safe. The problem of stealing customer information through phishing WiFi sites, communication interception and other means also exists in mobile banking. The stability and reliability of operator network links have become important considerations that affect the security of customer funds and the reputation of operators.

Second: agency risk. In both models of mobile banking, retail agents act as intermediaries to directly contact customers. There may be incidents such as agent operation errors, cash theft, identity theft, agent fraud, etc., which bring security risks to mobile banking.

Third: Electronic currency risks. Electronic currency faces credibility risks. Once the encryption system is illegally cracked, fake electronic currencies will flood the Internet market, and people's trust in electronic currencies will be greatly reduced. Therefore, e-currency may face a credibility crisis. Electronic currency will also affect the Bank's ability to control currency issuance, thereby affecting the implementation of monetary policy. In addition, electronic currency also has liquidity risks, such as mobile operators and other non-bank entities misappropriating customer funds to make high-risk investments, resulting in liquidity. Inadequate customer service and harmed customer interests.

Countries around the world have made a series of regulations on the risks of electronic currency: If the electronic currency is issued by the Southern Bank, the temporary regulatory agency needs to monitor the funds corresponding to the stored value or unpaid funds, which belongs to the bank. An important part of prudential supervision, however, in a non-bank-dominated model, mobile operators open virtual accounts for customers, and a contractual relationship is directly established between customers and mobile operators. In this case, electronic money is subject to greater With little supervision, even if the regulatory agency requires suppliers to deposit customers' pre-stored funds in banks, it cannot fully protect the safety of customers' funds. Once a risk occurs, customers can claim compensation from the supplier, but not the bank.