Zhong Guo Zheng Quan Bao·2025-10-16 23:41Core Viewpoint - Multiple banks are initiating the cleanup of long-dormant accounts, which includes both personal and corporate accounts, to enhance financial security and operational efficiency [1][3]. Group 1: Bank Announcements - On October 16, Hubei Yuanan Rural Commercial Bank announced a cleanup of personal bank accounts, targeting long-dormant accounts and those with missing or expired identity information [2]. - Other banks, such as Gui'an Development Village Bank, are also implementing similar measures, focusing on accounts that have not had any transactions for over a year [2]. - Industrial Bank has adjusted its criteria for identifying long-dormant accounts, lowering the balance threshold from 100 yuan to 10 yuan and extending the inactivity period from 180 days to 365 days [2]. Group 2: Risk Prevention - The cleanup of long-dormant accounts is seen as a measure to prevent financial risks such as telecom fraud and money laundering, thereby safeguarding customer funds [3]. - Long-dormant accounts can lead to wasted financial resources and increase the risk of fraud, as customers may forget about these accounts, making them vulnerable to unauthorized access [3]. Group 3: Consumer Recommendations - Consumers are advised to regularly review and manage their bank accounts, including closing any that are no longer in use [4]. - Banks recommend that customers engage in at least one transaction to avoid their accounts being classified as long-dormant, which could lead to restrictions on account usage [4]. - Customers should be cautious of any requests for sensitive information during the cleanup process, as banks will not ask for passwords or verification codes through unsolicited communications [4][5].