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Original title: Preventing Illegal Banking Abuse and Opening “Dormant Accounts” to Clean
Source: Daily economic information
In the near future, includingConstruction bench、ABC、Postal Savings BankMany institutions, including those, have successively posted announcements to clean up long-term “dormant accounts” and overstock accounts. Experts said that the bank’s compensation for abnormal accounts such as “dormant accounts” is a concrete manifestation of the active response to “card disruption operations.” On the one hand, it can improve the operational efficiency of the institution itself, and on the other hand, it can help improve compliance and prevent the risk of illegal abuse.
Will the bank’s compensation of abnormal accounts affect users’ rights? The reporter learned that the bank has taken some measures to protect the rights and interests of users in the abnormal account clearing process. In this regard, experts suggest that individual users should also establish awareness of inventory and risk management, and redundant accounts should be canceled in time to reduce the risk of illegal use.
Different banks have different cleaning standards.
Recently, many institutions, including Banco Agrícola, Banco de Construcción, and Banco de Ahorros Postal, have posted relevant announcements to clean up long-term “dormant accounts” and overstock accounts.
On February 8, the Agricultural Bank of China issued a statement stating that as of March 10, it will cancel long-term immobile personal accounts. The scope of settlement is debit cards that have no transactions for more than three years (including three years), the balance of the main account and the subaccount is 0, and there are no other related businesses.
On January 5, China Construction Bank issued an announcement to clean up long-term immobile accounts. According to the announcement, as of October 31, 2020, if the bank card account balance is 0 for more than three consecutive years (including three years), and there is no transaction record, that is, no deposit, withdrawal or transfer. The transactions will be included in the scope of the settlement. However, special bank cards such as military security cards, general armed police cards, veteran service cards, financial and social security cards, and provident fund cards are not included in this cleanup.
According to the reporter’s incomplete statistics, as of now, the Agricultural Bank, the Construction Bank, the Postal Savings Bank,CITIC BankMore than a dozen banks, including those, said they would clean up their “sleeping accounts.”
In addition, multiple settlement accounts opened by individuals are also included in the scope of settlement by banks, and the standards of each bank are different.Bank of Minsheng, Postal Savings Bank of China announced that under the same customer name, more than one type I account, more than five type II accounts, or more than five type III accounts are all within the scope of settlement. According to the Minsheng Bank announcement, the same client who has 100 or more normal or inactive personal settlement accounts at the bank will not be able to trade.
According to statistics from the Central Bank, at the end of the third quarter of 2020, my country has opened a total of 12.092 million personal bank accounts, with 8.64 bank accounts per capita.
Actively respond to “broken card” action
Experts said that the bank’s compensation for abnormal accounts, such as “inactive accounts,” is a concrete manifestation of the active response to the “card disruption operation.” On the one hand, it can improve the operational efficiency of the institution itself, and on the other hand, it can help improve compliance and prevent risks.
“In recent years, the focus of fighting crime has gradually shifted from post-sanction surveillance to on-the-spot surveillance, and various risk prevention procedures have been preceded. Criminal acts such as fraud in telecommunications and cross-border gambling are inseparable from capital flows, account and payment systems. Therefore, bank accounts and payment links have gradually become the focus of supervision. ” Retail finance industry expert Su Xiaorui said the main risk of some “dormant accounts” is that they are easy to use illegally and become tools for illegal and criminal activities such as telecom fraud. Specifically, there are two situations: one is active utilization, that is, criminals specialize in illegal commercial bank card transactions through forms such as “lift a card”; the other is passive use, that is, the inactive or lost bank card of an individual user is the target of criminals.
Some commercial bankers told reporters that some people have thousands of bank accounts and that, in fact, there is room and scope for illegal operations.
In October 2020, the joint inter-ministerial meeting of the State Council on the fight against new types of illegal and criminal telecommunications networks was deployed to carry out the “broken card” operation across the country, targeting units and individuals. who rent, sell, loan and buy bank accounts. or payment accounts and related organizers.
According to the “Notice of Strengthening of Payment and Settlement Management to Prevent New Types of Illegal Crimes in Telecommunications Networks” issued by the Central Bank in 2016, since December 1, 2016, the same person can only open one Type account I (bank Settlement account (including bank card), only one type III account can be opened at the same payment institution. The notice also noted that the bank should investigate and clean the large number of accounts opened by the same depositor, and require the depositor to give an explanation to verify the rationale for opening the account. For those who cannot verify the rationale for opening the account, the bank will guide the depositor to cancel or merge the account, or take measures such as downgrade the account, so that the depositor can use the account classification mechanism to deposit funds reasonably and protect the security of funds.
Users must cancel redundant accounts on time
Will the bank’s compensation of abnormal accounts affect users’ rights? In this regard, Dong Ximiao, chief investigator at China Merchants Union Finance, said that the cleanup of the bank’s “dormant accounts” has continued over the years, mainly because a large number of “dormant accounts” have squeezed resources. banking. , the related account maintenance costs can be eliminated. With the savings, financial resources can also be used to serve real customers. “Most ‘dormant accounts’ have not had transactions for a long time, so the cleanup will not have much of an impact on customers, but the bank should also do the relevant notification work,” he said.
The reporter learned that the bank has taken some measures to protect the rights and interests of users in the abnormal account clearing process. Some accounts that have been “liquidated” by the bank may be “restricted” rather than direct cancellation or permanent cancellation of the account. For example, according to the announcement by the Postal Savings Bank of China, the accounts included in the settlement scope require the user to possess a valid real name certificate and go to any bank branch for reasonable account registration, demotion and cancellation. Banks will restrict financial services for accounts that are not settled after the due date.
On the other hand, some accounts that have been “cleared” by the bank can be reactivated. For example, according to the announcement of the Agricultural Bank of China, if the accounts included in the cleaning scope still want to be used, the user can go to the bank branch to complete the activation procedures with the ID card within the time specified. The CCB announcement said that if you do not bring your valid ID and activate it on time, if you want to continue using the card, it is recommended to go to the CCB branch to ask if it can be reactivated.
Su Xiaorui suggested that individual users should establish two types of knowledge: one is account inventory knowledge, regularly classifying the account status and assets under the individual’s name, and developing a good habit of checking and keeping accounts. ; the second is risk management knowledge, in setting passwords, account login management and other aspects have strengthened protection measures, and redundant accounts are canceled in time to reduce the risk of being used by criminals.
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