韩国拟议的银行卡钓鱼损失赔付机制改革，标志着金融消费者保护从被动响应向主动防御的战略转型。通过重构责任认定逻辑、强制部署智能风控、赋权终端用户、强化跨部门协作，该方案在技术可行性与制度合理性之间寻求平衡。其核心价值在于承认：在高度互联的数字金融生态中，安全不应仅由用户“谨慎”来保障，更需金融机构承担与其技术能力相匹配的防护义务。 返回搜狐，查看更多 ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Float time refers to the amount of time between when an individual writes and submits a ...