password is still needed to be applied whenever transaction is made with book or card, they have to give password........ so make a strong password or if you do not trust THE ONE so do not mention the password.......

In theory I would say no; but in practice, if somehow another person obtained your account book, and knows your password on top, that person could withdrawal money from your account because banks do not ask for ID cards, the password if proof enough of identity.

They would also need your passport if at the counter. Besides, if you have a foreign name and a Chinese man or woman came in with your bank book and password, I'm sure there would be questions. But then again I only use HSBS, BOC and Citic bank these days, every time I go to the counter to withdraw or put money in, I'm required to show my passport