Ask professionals to explain: Does the banking regulatory bureau have the right to inquire about the customer account information of financial institutions when conducting routine inspections of finan

Ask professionals to explain: Does the banking regulatory bureau have the right to inquire about the customer account information of financial institutions when conducting routine inspections of financial institutions? Is there a legal basis? The banking regulatory bureau has the right to conduct on-site and off-site inspections on the business of financial institutions, but it has no right to inquire, freeze or deduct depositor information. The so-called legal exception refers to the power departments such as industry, inspection, law, division, industry and commerce, taxation and so on. Excluding the banking supervision department.

In the Banking Supervision Law, two aspects have been added.

First, the relevant units and individuals can exercise the relevant investigation rights with the approval of the principal responsible person of the banking supervision and management institution under the condition that the CBRC inspects the banking financial institutions according to law. The specific content is: ask the units or individuals related to the inspection items and ask them to provide documents, materials and certification materials to explain the relevant situation; Consult and copy the property registration materials related to the inspection items; Consult and copy the financial and accounting materials and other relevant documents and materials of the units and individuals related to the inspection items; Documents and materials that may be transferred, concealed, damaged, forged or difficult to obtain in the future shall be registered and preserved in advance.

The second is to stipulate the cooperation obligations and legal responsibilities of relevant personnel in the investigation. That is, units and individuals that do not cooperate shall be dealt with according to the Public Security Punishment Law of public security organs if they do not constitute a crime, and criminal responsibility shall be investigated according to law if they constitute a crime.