China News Service, December 21. According to the website of the China Banking and Insurance Regulatory Commission, the General Office of the China Banking Regulatory Commission issued a notice on the 21st to optimize bank account opening services and effectively solve the "difficulties in applying for cards" for the masses and the "difficulties in opening accounts" for small and micro enterprises.
Notification requirements, coordinate risk prevention and control and optimize services.
When a bank handles the account opening business, it shall serve the citizens as its basic purpose, make full use of technical means, optimize the handling process, and continue to identify customer identities.
Clarify the responsibilities of the front, middle and back offices, adopt differentiated service measures, and implement classified and hierarchical management of accounts.
Banks carry out customer identification for individuals and small and micro enterprises (including individual industrial and commercial households, the same below), and shall optimize relevant information systems, effectively connect information resources of relevant government departments, and make full use of public security, market supervision, civil affairs, taxation, immigration management, and others. The relevant information obtained through public channels is reduced, and the proof materials that need to be provided by customers are reduced, so that data "runs more" and the masses "runs less errands".
The notice pointed out that the protection of consumers' right to be respected.
Banks should take into account the risk prevention and control situation of various places, reasonably set the scope and conditions of the auxiliary identification materials, and refine the rules for the use of auxiliary identification materials.
Full consideration should be given to the actual status of non-local migrant workers, flexible employment personnel, college graduates and other groups, and no “one size fits all” requirement for additional proof of residence permits, work certificates, social security records ranging from three months to one year, and real-name mobile phone numbers.
Protect consumers' right to fair transactions.
Banks shall open accounts for small and micro enterprises whose account opening purposes are reasonable and there is no obvious reason to suspect that they are engaging in illegal or criminal activities.
Speed up the implementation of simple account opening services for small and micro enterprises, set up account functions that match the level of customer identity verification and account risk levels according to the needs of enterprises, and appropriately simplify the requirements for supporting certification materials accordingly.
Through the implementation of account classification and hierarchical management, strengthen on-site return visits after account opening, account dynamic monitoring and other means to prevent and control risks. It must not be based on the fact that there are fewer employees, the business owner's account is not in the local area, the company's business address is the same as the personal address, the company has not yet opened, and is not in the bank. Refusal to open an account for small and micro enterprises for reasons such as depositing sufficient funds.
Protect consumers' right to choose independently.
Banks may not force individuals or small and micro enterprises to purchase financial products such as wealth management, insurance, and structured deposits when opening accounts, or compulsorily accept other financial services.
It is not allowed to link account functions and account opening processing time with the purchase of financial products or services by customers, and to force bundling sales in a disguised form.
At the same time, protect consumers' right to know.
Banks shall publish information on the types, basis and purpose of the certification materials required for opening accounts of individuals and small and micro enterprises on official websites and business outlets.
If it is really necessary to provide other supporting materials or cannot open an account in accordance with relevant regulations, the reasons shall be explained and the explanation shall be done.
Protect consumers' right to information security.
When a bank collects consumer personal information when opening an account, it shall follow the principles of lawfulness, fairness, and necessity, and shall not use personal information beyond the scope of laws, regulations and consumer authorization.
The notice stated that banks should focus on improving consumer account opening service experience.
Take measures such as online appointment, online form filling, and merging of documents to improve the coordination of online and offline processing methods, reduce repeated confirmation links, and improve service convenience.
In addition, banks should properly handle complaints about "difficulty in applying for cards" and "difficulty in opening accounts" for small and micro enterprises, and carry out regular situation analysis, focusing on whether the process design is reasonable, whether the required certification materials are necessary, and whether the comprehensive risk assessment method is scientific.
If problems are found, traceability rectification shall be carried out in time.
The notice also emphasized that the banking and insurance regulatory bureaus should strengthen the supervision and guidance of local banks on the account opening business.
Supervise and investigate complaints about "difficulty in applying for cards" and "difficulty in opening accounts" for small and micro enterprises, and promote banks to further enhance the awareness of consumer rights protection, optimize account opening services, pay attention to consumer demands, and improve the ability to meet the financial needs of the masses and serve the real economy Quality and efficiency.