多家银行开展长期不动户清理工作

Core Viewpoint - Multiple banks are initiating the cleanup of long-term inactive accounts to enhance financial security and operational efficiency while preventing risks such as telecom fraud and money laundering [1][2][3]. Group 1: Bank Announcements - On October 16, Hubei Yuanan Rural Commercial Bank announced a cleanup of personal bank accounts, including long-term inactive accounts and those with missing or expired identity information [1]. - Other banks, such as Gui'an Development Village Bank, are also cleaning up accounts that have not had any transactions for over a year, excluding interest accruals [1]. Group 2: Adjustments in Inactive Account Criteria - Industrial Bank has adjusted its criteria for identifying long-term inactive accounts from a balance of 100 yuan to 10 yuan, with the inactivity period extended from 180 days to 365 days [2]. - The new criteria will be implemented starting October 15, with daily monitoring of accounts that meet the conditions [2]. Group 3: Risk Prevention - The ongoing cleanup of long-term inactive accounts is aimed at strengthening account management and safeguarding customer funds against telecom fraud risks [2][3]. - Long-term inactive accounts can lead to wasted financial resources and increased vulnerability to fraud, as consumers may forget about these accounts and their associated risks [3]. Group 4: Consumer Recommendations - Consumers are advised to regularly review and manage their bank accounts, including closing any long-term inactive accounts [3]. - Banks recommend that customers perform at least one transaction on accounts identified as long-term inactive to avoid restrictions on account usage [4]. Group 5: Security Measures - Banks have assured customers that they will not request sensitive information such as passwords or verification codes during the cleanup process [4]. - Customers can reactivate restricted accounts by visiting bank branches with valid identification or through mobile banking [4].