Source: New Evening News How is your bank card?

Source: New Evening News

How is your bank card?

Recently, many banks are carrying out a large-scale cleanup operation on

"sleeping accounts"

that have not been moved for a long time.

On March 19,

Hua Xia Bank announced that:

will start the cleanup of personal stock accounts from the 30th of this month.

Recently, many institutions, including China Construction Bank , Agricultural Bank of China, Postal Savings Bank , have successively issued announcements to clean up "sleeping accounts" and "excess accounts" that users have not used for a long time.

Internet information film, pictures and texts are irrelevant

After combing through the recent announcements issued by various banks, reporters learned that the accounts cleaned up by some banks this time are mainly divided into two categories:

↘The first category is that the account balance is less than 10 yuan and has not occurred for a long time. "Sleeping accounts" for transactions;

↘The other type is when individuals open more accounts in the same bank than are regulated by regulations.

↘However, the types and standards of bank cleaning are not consistent. Some banks will clean up both, while some banks will only clean up one of them.

Online information sheet, pictures and texts are irrelevant

Many banks stated:

The cleanup work on relevant accounts is mainly to implement regulatory requirements, prevent the risk of telecommunications network fraud, and ensure the safety of customer account funds.

Industry researchers believe that

financial institutions cleaning up dormant accounts is a concrete manifestation of their active response to the "Card Cutoff Action". On the one hand, it can improve their own operational efficiency, and on the other hand, it can help improve compliance and prevent risks.

Bank cleans up abnormal accounts

These cards will be cancelled.

announced that it will start cleaning up personal existing accounts from March 30.

Among them, individuals who have not received or paid funds for more than 5 consecutive years, whose account balance is less than 10 yuan, or who have not received or paid funds for more than 3 consecutive years, whose account balance is 0 yuan, and who have no other contracted business with the bank will not move for a long time. The account will be closed, and other accounts that do not meet the regulations will have their trading functions restricted.

On February 8, Agricultural Bank of China

issued an announcement stating that from March 10, as of December 31, 2020, there have been no transactions for more than 3 years (including 3 years), the deposit balance of the card main account and sub-account is 0, and there are no other Debit cards related to related businesses can be canceled.

social security card, military security card , and retirement pension special card are not included in the scope of this cleanup.

On January 5, China Construction Bank

issued an announcement stating that it would clear out long-term non-resident accounts. The scope of

cleanup is that as of October 31, 2020, there have been no active transactions such as cash deposits, cash withdrawals, transfers, etc. for more than 3 consecutive years (including 3 years), the account balance is 0, and there is no credit card repayment or personal loan repayment Debit cards, quasi-credit cards, and current passbook accounts with contracted relationships.

Financial social security cards, provident fund cards, military security cards, private bank cards, etc. are not included in the scope of account cancellation for the time being.

Previously, Industrial Bank and China CITIC Bank

issued cleaning announcements:

Industrial Bank will cancel accounts with an account balance of 0 yuan, no transactions for 2 consecutive years, and no other contracted business;

CITIC Bank will cancel accounts that meet the balance requirements at the same time. Accounts that are less than 10 yuan and have not had any non-interest-bearing transactions for more than 2 consecutive years (inclusive) as of the end of October each year have restricted transactions.

In addition,

multiple settlement accounts opened by individuals

are also included in the scope of cleanup by banks.

However, the standards of each bank are different.

For example, Postal Savings Bank, Hua Xia Bank, Minsheng Bank, etc. have excessive personal settlement accounts under the same customer's name. The number that exceeds the standard (i.e. exceeds 1 category I household or 5 category II and III households) will be cleared. China CITIC Bank requires the same customer to hold 100 or more normal or inactive accounts with the bank for restricted transactions.

It is worth noting that cleaning up the account does not mean directly canceling the account. Some banks will cancel the personal accounts of customers who meet relevant conditions, while some banks only restrict transaction functions and can still be activated and reused if necessary.

Online information sheet, the picture and text have nothing to do with it.

"Card-breaking operation":

Reselling bank cards can be punished with a prison sentence

Su Xiaorui, an expert in the retail finance industry, said that financial institutions cleaning up dormant accounts is a concrete manifestation of active response to the "Card-breaking operation". On the one hand, it can improve the operational efficiency of the institution itself; on the other hand, it can help improve compliance and prevent the risk of illegal misuse of bank accounts.

Since the launch of the card disconnection operation in October 2020, five ministries and commissions including the Supreme People's Court, the Supreme People's Procuratorate, the Ministry of Public Security, the Ministry of Industry and Information Technology, and the People's Bank of China have jointly issued the "Notice on Strictly Cracking Down, Punishing and Controlling the Illegal Trading of Telephone Cards and Bank Cards in accordance with the Law". We will severely crack down on the illegal opening and selling of phone cards and bank cards across the country, and resolutely cut off the chain of buying and selling phone cards and bank cards.

In Su Xiaorui's view,

The main

risk problem of some sleep accounts is illegal use

One is active use, that is, criminals specialize in illegal bank card transactions through "card raising" and other forms;

The other is Passive utilization means that individual users’ unused or lost bank cards are targeted by criminals.

Su Xiaorui believes that cleaning up such accounts can help individual users prevent risks and avoid their own accounts from being illegally used and getting involved in unnecessary trouble.

Reporters found multiple cases of reselling bank cards

and were sentenced on the Judgment Documents website

One of the cases was

Ma, a "post-2000s" with junior high school education, knowingly knowing that others were using information networks to commit crimes at the behest of a Hong Kong person The crime involved selling bank cards, U-shields, and phone cards in his own name to the suspect through others, resulting in the victim being defrauded of 1.66 million yuan by the telecommunications network by recommending stocks and purchasing virtual digital currency.

In the end, Ma was sentenced to 1 year in prison and fined 18,000 yuan.

Online information sheet, pictures and texts are irrelevant

China has 8.64 cards per capita

Users should take the initiative to clean up "sleep accounts"

Since the "Card Disconnection Campaign", banks have accelerated the cleanup of abnormal bank accounts.

reporters learned that many banks, including large state-owned banks, joint-stock banks, city commercial banks and rural commercial banks, have joined the ranks of cleaning up abnormal bank accounts.

In fact, for "excess accounts" where customers have multiple bank cards, the central bank made relevant regulations as early as December 2016. The same customer can only open one bank card with a Class I account at the same bank. If If you already have a bank card with a Category I account, when you open an account again, you can only open a bank card with a Category II or III account.

According to the central bank, as of the end of September 2020, a total of 12.092 billion personal bank accounts had been opened in my country, with the per capita number of bank accounts reaching 8.64.

A person in charge of the central bank once said:

The excessive number of individual accounts has not only caused individuals to mismanage the accounts and their assets, not paying enough attention to the accounts, but also laid hidden dangers for buying and selling accounts, opening accounts under false names and opening accounts with fictitious agency relationships, and also caused problems for banks. Management resources are wasted, and accounts that have not been moved for a long time have also become internal risks within the bank.

Online information sheet, pictures and texts have nothing to do with it.

Su Xiaorui suggested:

Individual users should establish two types of awareness:

First, the awareness of account inventory, regularly sort out the account and asset status under the personal name, and develop good habits of checking and accounting;

The second is risk management awareness, increasing protection measures in terms of password settings, account login management, etc., and logging off redundant accounts in a timely manner to avoid the risk of illegal use.