"Sleep accounts" that block the avenues of telecommunications cybercrime will be quickly cleaned up

　　Blocking the avenues of telecommunications cybercrime——

　　"Sleep account" will be accelerated to clean up

　　In July, a number of banks across the country started cleaning up long-term personal accounts, that is, cleaning up "sleeping accounts."

In fact, since October 2020, the State Council’s inter-ministerial joint meeting on cracking down on new types of illegal and criminal telecommunications networks decided to launch a nationwide "card break" operation, and the banking industry has begun to clean up "sleeping accounts" in order to better protect it. The legal rights and interests of cardholders.

　　What is a "sleep account"?

Why clean up the "sleep account"?

Does liquidation mean direct account cancellation?

If the cardholder wants to use it after being cleaned up, how can the cardholder restore the account function?

　　What is a "sleep account"

　　As an important part of the payment system, in recent years, bank accounts have played an increasingly important role in the production and life of enterprises and individuals, and the number of bank accounts opened has also been on the rise.

　　According to the latest data from the People's Bank of China, as of the end of the first quarter of 2021, a total of 12.779 billion personal bank accounts were opened nationwide, an increase of 318 million from the end of the previous quarter, and the average number of bank accounts per capita reached 9.05.

　　But it is worth noting that there are many "sleep accounts" among them.

According to announcements issued by many banks, a reporter from the Economic Daily found that the so-called "sleeping accounts" mostly refer to those who have not had active customer transactions for more than three consecutive years (including three years), the account balance is zero, and the credit card or personal loan repayment has not been signed. And other accounts of collection and payment agreements.

　　In addition to the above types, "sleeping accounts" usually refer to those "abnormal stock accounts."

According to the "Notice on Strengthening the Management of Payment and Settlement to Prevent New Types of Illegal Crimes in Telecommunications Networks" issued by the Central Bank, since December 1, 2016, the same person can only open one type I account in the same bank, and I have already opened one. If a category household needs to open a new account, a category Ⅱ or Ⅲ household should be opened.

　　Among them, Type I households have physical cards or passbooks, which are mainly used for cash deposits and withdrawals, large-value transfers, large consumption, and purchase of investment and wealth management products; Type II and III households do not have physical cards and belong to electronic accounts. Type I accounts are added on the basis of the type I accounts. Type II accounts are mainly used for personal daily card consumption, online shopping, online payment, etc., and can also purchase investment and wealth management products of the bank that opened the account. Type III accounts are mainly used for small amounts and high frequency. Transaction is especially suitable for mobile payment business.

　　In response to the situation that multiple Type I accounts have been opened in the same bank before, the supervisory authority proposed that the bank should sort out and clean up the large number of accounts opened by the same depositor, and require the depositor to make an explanation to verify the rationality of the account opening; If it cannot be verified, the bank should guide the depositor to cancel or merge the account, or reduce the account category, such as reducing the type I account to the type II account.

　　For example, China Postal Savings Bank has gradually and in batches cleaned up the over-standard number of personal settlement accounts under the same customer's name. The standard is 1 type I account, 5 type II accounts, and 5 type III accounts.

"If your account has the above situation, please hold a valid real-name certificate and go to any branch of our bank for reasonable registration, downgrade and account cancellation as soon as possible." The relevant person in charge of the Postal Savings Bank said that the account that has not been cleared after the expiry date should be dealt with. Financial services are about to be restricted.

　　"Clean up" is not "cancel account"

　　If the personal "sleeping account" has been cleared, does it mean that the account is completely cancelled and can no longer be used?

it's not true.

The reporter found that, except for some banks that clearly stated in the announcement to "cancel account", the "clean-up" work of many banks actually only restricted some of the financial service functions of the account.

　　The Agricultural Bank of China issued an announcement stating that the bank will start the cancellation of personal long-term immobile accounts from March 10, 2021. Users can go to the bank’s business outlets to complete the activation procedures with valid ID documents before March 10, 2021. If the debit card that meets the conditions for cancellation of account cancellation has not been activated before, the bank will cancel the account of the personal debit card within the scope of cancellation.

　　The Industrial and Commercial Bank of China stated in the announcement that if a certain "sleeping account" is cleared, its account function will be adjusted to only accept but not pay for non-counter business.

　　It is worth noting that accounts that are closed and restricted for transactions do not include the following types.

One is policy accounts, such as financial social security cards, military security cards, armed police security cards, retired military support cards, provident fund co-branded cards, etc.; the second is special accounts, such as wealth management gold account cards, wealth management gold cards, etc.

　　"If your account is within the scope of liquidation, but you want to continue to use it, you must complete an account transaction before the official start of the cleaning process to activate the account." The relevant person in charge of ICBC said that the account transaction includes deposits and withdrawals, Active account transactions such as inward and outward remittance, transfer, consumption, payment, etc., but do not include interest settlement, inquiry, judicial freeze, judicial deduction, and other active account transactions initiated by non-clients.

　　The person in charge also stated that if the account is not activated after the expiry date, ICBC will adjust the function of the account to non-counter business only accepting but not paying. If the user needs to continue to use the account, he can go to the bank's business branch to verify his identity and restore the account function .

　　However, it is worth noting that the reporter found in the interview that although various banks have provided advance notice to cardholders in various ways, such as website announcements and sending short messages to cardholders, there are still some interviewed holders. The cardholder stated that he “did not know” about this, or did not read the relevant information carefully.

　　In this regard, many people in the industry said that in order to reduce the information asymmetry between banks and users, on the one hand, it is recommended that banks increase telephone notification, a more user-friendly service method; on the other hand, cardholders should also develop The habit of checking and checking bank accounts on a regular basis, to increase risk management awareness, to prevent accounts that they have not used for a long time from being embezzled by criminals.

　　Effectively prevent telecom fraud

　　Why do we need to clean up the "sleep account"?

The core reason is to implement the regulatory requirements, actively respond to the "broken card" action, prevent the risk of telecommunications network fraud, and ensure the safety of personal accounts.

　　In October 2020, the State Council's inter-ministerial joint meeting on cracking down on new types of illegal and criminal telecommunications networks was held to deploy a nationwide "broken card" action.

The relevant person in charge of the Ministry of Public Security once said that illegally opening and selling phone cards and bank cards is an important source of the continued high incidence of telecommunications network fraud, and the harm is very serious.

　　To this end, it is necessary to take resolute and decisive measures to severely crack down on illegal crimes of illegally opening and selling phone cards and bank cards, resolutely curb the high incidence of telecommunications and network fraud crimes, and maintain the overall stability of social security.

　　In the process of investigating illegal telecommunications network cases, the public security organs discovered that criminals often obtain personal bank accounts through account trading, especially long-term idle "sleeping accounts", which can easily provide an opportunity for account trading.

　　In this regard, the relevant person in charge of the central bank made it clear that renting, lending, selling, purchasing bank accounts or payment accounts are illegal and criminal acts, which not only affect the credit records of units or individuals, but also need to bear corresponding legal responsibilities.

For bank branches and payment institutions, it is necessary to strengthen the identification and monitoring of illegal card issuance and leasing accounts, and measures should be taken to reduce the occurrence of leasing and selling bank accounts and payment accounts.

　　Then, how should cardholders protect their legal rights?

Relevant persons in charge of a number of banks said that the following two points should be paid attention to.

　　First, you must properly keep your bank cards and payment accounts, and you must not sell or rent bank cards for small gains. Once a bank card is lost, you should change the password or report the loss or reissue it in time.

　　Second, promptly classify and dispose of holding accounts and keep them properly. Among them, for bank cards or passbooks that do not need to be used anymore, they should go to the bank to cancel their accounts in time, or downgrade some Type I accounts that are mainly used for online payments and small high-frequency payments to Type II and Type III accounts. As a result, it is possible to achieve centralized management of personal funds and prevent online payment risks.