China Construction Bank · Full chronicle and history

On October 3, a netizen posted that after receiving a transfer from family during the National Day holiday, their China Construction Bank card was blocked less than one minute after the money was credited. Calling customer service and the anti-fraud center did not resolve the issue; customer service only said they would have to wait 3 working days. Many people in the comments shared similar experiences of having their accounts flagged by risk controls.

China Construction Bank disclosed on September 14 that its digital RMB “smart campus” program has covered 17 provinces and cities, 316 schools, involving 630,000 students. Digital RMB is gradually entering campus consumption scenarios, and some universities have recently added digital RMB payment devices.

On August 9, 2026, a consumer in Chengdu, Sichuan reported that a gold bar bought at a China Construction Bank branch was found to actually be made of copper when it was sent to a gold shop for processing. The person involved immediately called the police, and the police have intervened in the investigation.

The yield on one-year US Treasury bonds reached 4.6%, compared to 1.3% for a five-year fixed deposit at China Construction Bank and 1.7% for savings bonds issued by the Ministry of Finance.

China Construction Bank issued non-performing asset-backed securities ABS, packaging 8,000 households' defaulted mortgages for sale; the prospectus states in black and white that the expected recovery rate is only 40.72%.

On September 28, 2025, in Hujiatun Village, Wanquan District, Zhangjiakou, Hebei, a village official exploited his position as an agent at a China Construction Bank branch to secretly transfer tens of millions of yuan of villagers’ pension savings into a personal account and absconded with the money, leaving many elderly residents in dire straits.