Recently, China Industrial and Commercial Bank issued the Notice on Cleaning up Personal Bank Accounts that have not been used for a long time, saying that from July this year, personal bank accounts (debit cards and current passbook) that users have not used for a long time will be cleaned up. At the same time, the reporter noticed that the bank's "sleep account" is being cleaned up from "long-term fixed account" to "one person and many households", and the excess accounts under the same customer name will also be cancelled by the bank.
The Ministry of Industry and Information Technology said in a recent video conference on the prevention and control of telecommunication network fraud in the information and communication industry that it will further promote the "card-breaking action" with stricter and more accurate control measures.
Liu Bin, director of the Financial Research Office of the Research Institute of China (Shanghai) Pilot Free Trade Zone, told the Securities Daily reporter that "cleaning up personal accounts that banks have not used for a long time will help prevent' sleep accounts' from being used as criminal tools by criminals. In addition, financial institutions should strengthen the monitoring of accounts involving illegal crimes through new technical means and improve the synergy between technology and data. "
Cleaning up "sleep accounts" varies from bank to bank.
According to the announcement of the Industrial and Commercial Bank of China, the scope of clean-up was as of June 30 this year. Where there is no active customer transaction for more than three consecutive years (including three years), the account balance is zero, and no credit card, personal loan repayment or other payment agreement has been signed, the account function will be adjusted to non-counter business.
Everbright Bank recently announced that it will clean up personal sleep accounts and long-term fixed accounts, focusing on the situation that one person holds more than four Class I cards of the bank. Previously, Ping An Bank and Industrial Bank also issued announcements to clean up stock accounts. Its clean-up scope includes "one person with multiple households" and "long-term immobile households".
The reporter noted that CITIC Bank is also upgrading its stock account. As early as 65438+February 25th, 2020, CITIC Bank issued the Announcement on Clearing Long-term Inactive Personal Accounts and Opening Multiple Settlement Accounts by Individuals, to clean up long-term inactive personal accounts, accounts with a balance below 10 yuan (inclusive) and one customer holding more than 100 normal or inactive personal settlement accounts in the bank. In April, the announcement on clearing the stock of personal accounts was issued again. This time, it is mainly aimed at the first, second and third types of cards that exceed the specified number.
By combing the announcements issued by various banks, the reporter found that the accounts cleared by some banks are mainly divided into two categories. One is that the account balance is insufficient 10 yuan and there is no transaction for a long time; The other is that the same customer holds an account that exceeds the regulatory requirements. In addition, the types and standards for banks to clean up "sleep accounts" are not consistent. However, most banking institutions said that the main purpose of cleaning up related accounts is to implement regulatory requirements, prevent the risk of telecommunication network fraud, and ensure the safety of customer account funds.
It should be noted that clearing the account does not mean that the account must be closed directly, and the regulations of various banks are not consistent. Some banks cancel customers' personal accounts that meet the relevant conditions, and some banks can verify their identity with valid certificates and activate their accounts to continue to use.
From an industry perspective, according to the "Overview of Payment System in 2020" published by the central bank, by the end of 2020, China * * * had opened a total of 1.24. 6 1 100 million households, up by 10.43% year-on-year, and the growth rate decreased by1. The number of bank accounts per capita reached 8.
Wang Pengbo, a senior analyst in the financial industry of Broadcom Consulting, admitted to the Securities Daily reporter that at present, the scope of bank cleaning up "sleep accounts" is indeed upgrading. In fact, as early as 20 16 12, the central bank made relevant regulations on "excess accounts" where customers have multiple bank cards. "Taking the initiative to clean up the' sleep account' is not only an effective performance for banking institutions to actively implement regulatory policies, but also an effective performance for ensuring the safety of customer account funds".
The bank will be fined for the account involved.
Up to now, many provinces, cities and regions have announced the penalties for illegal leasing, lending and trading. For example, in March this year, Kunming publicized the first batch of 6 14 accomplices who punished electric fraud. Untrustworthy users who rent, lend or sell bank cards or payment accounts and use them for fraud crimes only keep 1 bank card, and are not allowed to open new accounts, suspend off-counter business or pay all business accounts within five years. Judging from the disciplinary results, there are 6 14 people on the list, and online payments such as WeChat and Alipay will be banned within five years.
In addition to taking disciplinary measures against individual users, financial institutions will also be punished accordingly. For example, the Kunming Anti-Telecommunication Network Fraud Center emphasized that once a bank branch is found to be operating illegally, it will be punished by suspending the new account opening business for six months, and "double punishment in one case" will be imposed on the relevant responsible persons.
Yu Baicheng, dean of the Institute of Zero One, admitted to the Securities Daily reporter that accounts that have not been used for a long time waste account resources and have no practical value to banks and individuals. Instead, they leave room for criminals to commit telecom fraud. Therefore, clearing abnormal accounts can improve the efficiency of account resources, ensure the safety of funds and prevent fraud risks. Individuals should protect their calling cards and bank cards, and don't rent or sell them to strangers to prevent them from becoming accomplices in online fraud.