Since we started requiring real-name deposits in 2000, the account opening person in the account has become the actual controller of the account assets. On the one hand, according to the requirements of financial supervision, others can no longer open an account for themselves. In addition, after opening an account, all funds deposited in the account belong to the account holder in form. As for whether the account holder has a passbook and password, this does not constitute a substantial obstacle to the account holder withdrawing, paying and transferring money.
Personal accounts are different from corporate accounts, and corporate business activities are relatively more complex. Therefore, in bank account management, some co-management functions can be set up with corporate accounts, that is, the name of the account belongs to one company, but there may be two companies in the funds in it for public management. This is mainly achieved through the seal and password management of withdrawals. Two withdrawal seals can be left at the bank. Both seals must be complete before transfer or cancellation can be made. Electronic transfer can also be achieved through two passwords.
However, personal account management is relatively simple. Because the real-name system is required, everyone who has money will be required to enter his account. If someone else keeps his or her own deposit and password, or loses his or her own deposit or password. Then the owner of the account can protect the funds in the account by reporting losses from the bank. Reporting loss is also divided into temporary loss and formal loss. Temporary loss reporting is equivalent to emergency freezing. After that, the bank will require the account owner to formally go to the bank to handle the loss reporting procedures with his ID card. After
reports loss, the bank will freeze the personal deposit. At this time, this account is only allowed to enter the account, that is, transfer funds, and not allow the account, that is, withdrawal or transfer. No matter who owns a passbook or a savings card, or a password, it cannot realize the function of withdrawing money after reporting a loss. Even if the account account opener finds his passbook or remembers his password, he cannot withdraw or transfer money without deletion of the loss.
So you greet everyone if you lose your passbook, bank card or forget your password. Then the correct response is to pick up the phone and call the bank and report the loss of your account verbally via the phone. Then hold your ID card and go to any outlet counter of the bank where you are in your account to complete the formal reporting procedures. After waiting for the loss report to expire, go to apply for a replacement passbook, reissue a bank card, or reset your password, then everything will be safe.
Now some fund intermediaries now trick the victim into depositing money in high interest rates or in order to defraud others of their money, and make high interest rates. The scammer then handed over the passbook or bank card to the victim and asked the victim to change the password he knew. The victim thought that this would be foolproof and that no one could withdraw money from this account. But in fact, the scammer turned around and reported his passbook or bank card, took out the money in his account and ran away.
Now everyone should understand that the account owner can go to the bank to operate some permissions. Just holding someone else’s passbook and password cannot guarantee the security of funds. You must deposit your own money into your account. You must save your bank card passbook and password yourself, and don’t give it to others in case you are deceived.
