Thousands of graduates from Chongzuo Junior College were inexplicably opened electronic accounts and the local bank apologized and admitted that the operation was irregular
The mystery of student account opening is to be solved for the reason why the branch involved
Recently, media reported that more than a thousand graduates of Guangxi Chongzuo Preschool Teachers College (hereinafter referred to as "Chongzuo Junior College") were inexplicably opened multiple electronic accounts of a certain bank, all of which were opened by the bank's Chongzuo Jiangzhou branch.
These students all stated that these accounts did not have their consent and suspected that their personal information was leaked.
Yesterday morning, the Chongzuo branch issued a statement stating that the matter was caused by the failure of the business office of the Jiangzhou branch under the jurisdiction of the bank to communicate fully with customers, the lack of strict internal audit control, and irregular operations. Open an account, and apologize to the relevant students, and at the same time hold the responsible person seriously accountable.
However, a reporter from the Beijing Youth Daily found that the opening of an electronic account requires a series of standardized procedures. What kind of operations the bank has performed remains a mystery to be solved.
event
More than 1,000 graduates from Chongzuo Junior College
Unexplainably out of a bank's electronic account
"Do you have a lot of bank cards under your name?" According to media reports, in early December, in the group of 2020 graduates of Chongzuo Junior College, some students broke the news: After graduation, the unit that entered the job required a bank card from a certain bank and went to the branch. Later, the teller said that there were too many accounts under his name, and only then found out that there were already a bunch of electronic accounts of the bank inexplicably.
As soon as the news came out, many students in the group discovered that they had added the bank's electronic account without knowing it.
Xiao Yang, a 2020 graduate of the school, said that he had once applied for a certain bank card, that is, a type I account. Now of the 10 type II and III accounts under his name, 7 are owned by the bank Chongzuojiang. The state branch opened, "I have no authorization, and no one notified me." The opening time of these 7 accounts is June 24, 2020, just before the graduation of the class of 2020 students on June 30.
Student Xiao Jia also said that his type II and III accounts at this bank were opened at the same time, and they were all electronic accounts without physical cards.
Since she needs to go to the account opening branch to complete the account cancellation, she is not in Chongzuo now, so she cannot cancel the account.
It is worth noting that the bank that opened the physical card of the bank held by Xiao Yang and Xiao Jia is not the Chongzuo Jiangzhou branch.
The school stated that it did not go through any channels
Disclosure of student's identity information
The first reaction of the graduates was that the school leaked their personal information to the bank.
However, in an interview with the media on December 10, the staff of the Finance Department of Chongzuo Junior College said that the school had no knowledge of it before and had not provided student information to the bank.
The staff member said that when freshmen enrolled in 2017, a bank provided account opening services, but there was no cooperation after 2018, and the school had no business relationship with the bank.
On the evening of December 10, Chongzuo Junior College issued an official statement stating that “On December 6, 2021, the school’s Admissions and Employment Office and the Finance Office received reports from the 2020 graduates that their bank cards did not have their consent. I have been issued a Type II and Type III secondary card. I hereby declare that the school has not disclosed the student’s identity information through any channels, nor has it acted for students to open bank accounts or handle Type I, II, and III card accounts."
More than 1,400 people in total
Being "inexplicably" opened Type II and Type III accounts
After receiving the situation report, Chongzuo Youyou’s proprietary teacher replied in the group chat that the school had organized a meeting and was following up to resolve the matter, and uploaded a copy of "Class II and III electronic Account description.
This document explains the "poor experience of students using Type II and Type III electronic accounts", and states that Type II and Type III electronic accounts will not affect personal fund security and personal credit investigation, nor will it affect counter services and online financial services. Go through.
After that, the bank will provide dedicated guidance services for students who have "opened accounts" and deal with account problems in a "one-to-one" connection.
A matching list provided by the suspected bank in the group chat showed that there were 1,457 "open accounts", all students of Chongzuo Junior College.
Many students from Chongzuo Junior College said that they were not "poor experience" with the bank's account, but were shocked that the bank opened an account for themselves without authorization.
Follow up
The central bank requires the opening of Type II and Type III accounts
To open a non-face-to-face account, you need to verify your phone number
At the end of December 2015, the People’s Bank of China issued the “Notice of the People’s Bank of China on Improving Personal Bank Account Services and Strengthening Account Management”. If you open a Type I account and you already have a Type I account, you can only open an account with Type II and Type III accounts. Different types of accounts have different functions, limits, and permissions.
At the end of November 2016, the Central Bank issued the "Notice of the People's Bank of China on Implementing the Classification Management System of Personal Bank Accounts", which further implemented the classified management of personal bank accounts.
The document requires that individuals can open Class I, II, and III accounts through the counter of the bank with a valid ID.
Type II and III accounts opened by individuals at the bank counter do not need to bind Type I accounts or credit card accounts for identity verification.
Banks that open Type II and Type III accounts for individuals non-face-to-face through electronic channels should verify that the account and the binding account are opened by the same person. The information to be verified should at least include the name of the account applicant, the resident ID number, the mobile phone number, and the binding account. Set the account number (card number); Type II accounts also need to verify that the bound account is a Type I account or a credit card account.
The Central Bank requires that when banks open Type II and III accounts for individuals non-face-to-face through electronic channels, they shall require that the mobile phone number registered and verified by the account opening applicant be consistent with the mobile phone number used for binding the account.
It is worth noting that the central bank stipulates that the number of Type II and Type III accounts opened by the same bank legal person for the same person shall in principle not exceed 5 respectively.
Many graduates of Chongzuo Junior College reported that they had 10 more bank accounts inexplicably, reaching the upper limit of the number of card accounts.
progress
Chongzuo branch of the local bank issued a statement
Said that the relevant responsible persons will be held accountable
On the morning of December 11, a bank's Guangxi branch official account issued a statement from the Chongzuo branch on the matter.
A reporter from the Beijing Youth Daily noted that the title of the statement was "the situation of opening type II and III electronic accounts without the client's permission."
The branch defined this matter in its statement as, “it is true that the business office of the Jiangzhou branch under the jurisdiction of our bank did not fully communicate with customers, the internal audit control is not strict, and the operation is not standardized.” The branch promised not to shirk responsibility. Get in touch with the relevant students one by one as soon as possible, and with their consent, cancel the accounts opened, and apologize to the relevant students to resolutely safeguard their legal rights and interests.
At the same time, internal management will be strengthened, process loopholes will be plugged, compliance operations will be ensured, and relevant responsible persons will be held accountable in strict accordance with the rules and regulations.
Why "hidden" students to open an account?
The apology statement is still confusing
So how does the bank know the personal information of these students?
Chongzuoyou’s exclusive staff told the media that the bank said in its negotiations that the premise for the addition of Type II and Type III accounts was that the students had already opened Type I cards at the bank.
When the class of 2020 students enrolled in 2017, the staff of the branch had come to provide card-issuing services. When some students opened Type I cards, the bank already had the student's information.
This speculation was questioned by some students.
Xiao Yang, the graduate student mentioned above, told the media that her card was not issued on campus when she enrolled, but she did it outside the campus in her junior year.
In addition, through normal procedures, how to open a bank's Type II and III accounts remotely?
On December 11, a reporter from the Beijing Youth Daily used the bank’s mobile banking to experience and found that to open a type II or III account on its mobile bank, it is necessary to verify the ID card, mobile phone number, and face recognition.
Therefore, some insiders believe that the Chongzuo branch of the local bank responded quickly and sincerely in handling the matter, but its statement was still suspected of "shunning the more important than the lesser".
Obviously, this matter cannot be explained by an "irregular operation".
Regardless of the way to obtain customer information, or the decision to open accounts in batches without the customer’s consent, up to the specific operations at the time of account opening, there may be violations of laws and regulations, and even suspected crimes need to be thoroughly investigated.
RAM
What is the difference between Type I, Type II, and Type III accounts?
Type I accounts are full-function accounts, which can deposit and withdraw cash, manage wealth, transfer, pay fees, and pay, etc., and can handle all banking businesses without restrictions; it is equivalent to a "money box", and personal wages and other funds are in it, safe Sexual requirements are high.
Type Ⅱ accounts are auxiliary accounts of type Ⅰ accounts, which can handle deposits, financial management, limit consumption and payment, and limit transfers of funds to unbound accounts; it is equivalent to a "wallet" and can be used for larger daily expenses. Purchase investment and financial products of banks.
Type III accounts are mainly used for online payment, offline mobile payment and other small payments, and can handle limit consumption and payment, and limit transfer of funds to unbound accounts; equivalent to "change wallet", used for small amount and frequency High transactions, such as mobile payment, QR code payment, etc.
In terms of usage limits, there are also obvious differences among the three types of accounts.
There is no limit for Class I households; the deposit or expenditure limits for Class II households to unbound accounts are respectively: daily accumulative 10,000 yuan and annual accumulative 200,000 Yuan; for class III households, the account balance at any point in time shall not exceed 2,000 yuan.
For newly opened category III accounts with face-to-face verification by the bank, the cumulative daily limit for consumption and payment, transfer of funds from non-binding accounts, etc., has been adjusted to 2,000 yuan, and the total annual cumulative limit is 50,000 yuan.
Text/Reporter Cheng Jie
Photo courtesy/Visual China