多家银行公告！这类账户将被管控或清理

Core Viewpoint - Recent announcements from multiple banks indicate a shift in the management of "long-term inactive accounts," with stricter criteria for identification and subsequent cleaning measures being implemented to enhance consumer protection and mitigate risks associated with dormant accounts [1][4]. Summary by Sections Changes in Recognition Standards - Banks are adjusting the criteria for identifying long-term inactive accounts. For instance, Industrial Bank has revised its standard from an account balance of 100 yuan or less and 180 days of inactivity to a new threshold of 10 yuan or less and 365 days of inactivity [1]. - The bank will begin daily monitoring of accounts that meet the new criteria starting October 15, 2025, implementing restrictions on fund movements for these accounts [1]. Cleaning of Inactive Accounts - Various banks, including rural credit cooperatives and commercial banks, are actively cleaning up long-term inactive accounts that meet specific criteria. This includes both individual and corporate accounts [1]. Variability in Standards Across Banks - There is inconsistency in how different banks define "long-term inactive accounts." For example, the Bank of China in Xinjiang has a different standard, allowing for accounts with no transactions for six months and a balance of 100 yuan or less [2]. Rationale Behind Management Measures - The management of long-term inactive accounts is aimed at reducing risks associated with idle funds, which can lead to unnecessary account management fees and potential misuse of personal information by criminals [4]. - The measures are part of a broader effort to combat illegal activities such as cross-border gambling and telecom fraud, ensuring the safety of consumer funds and rights [4]. Legal Context and Consumer Rights - A case from Beijing Financial Court highlighted the legality of banks closing accounts that have been inactive for extended periods. The court ruled that the bank's actions were valid and did not infringe on the consumer's rights, emphasizing the importance of preventing misuse of dormant accounts [5]. - The court also noted that the potential for dormant accounts to be exploited for illegal activities poses a significant risk to public interest, justifying the banks' proactive measures [5].