When citizens change their ID cards or mobile phone numbers, they need to go to the bank to verify the identity information of individual customers.
First, why should we improve personal information?
From April 1 this year, according to Article 16 of the Anti-Money Laundering Law of People's Republic of China (PRC) and Article 19 of the Measures for the Administration of Customer Identification and Customer Identity Information and Transaction Records of Financial Institutions, "financial institutions shall not provide services or conduct transactions with unidentified customers, and shall not open anonymous or pseudonymous accounts for customers." Suspend the provision of financial services for accounts in the name of customers with incomplete or untrue identity information retained by banks.
Second, specific information that needs to be improved.
Name, gender, nationality, occupation, address of residence or work unit, telephone number, identity document, type and number of identity document, and validity period of the document. Complete personal customer information is the basic authentication of the customer's own identity and the basic condition for the customer to handle business in the bank; At the same time, it can also prevent units and individuals from being opened by criminals under false names, and reduce economic disputes and losses caused by false names and anonymous accounts.
If the information is incomplete and untrue, according to the relevant provisions of the state, if the personal information elements are missing and not updated within 90 days after the first prompt of the bank SMS, it will affect the over-the-counter channel transaction; If the customer information is not re-identified within a reasonable time, the customer will be suspended from handling some business. Specifically, financial services involving inquiry, deduction and settlement will be restricted.
Banks will also take the initiative to send SMS notifications to customers' mobile phone numbers with incomplete reserved information. This short message is sent directionally, and customers with comprehensive information will not receive it. If the customer is not at ease, it is recommended to call the bank customer service or go to a nearby bank outlet to check his account.