3 6 Ke·2025-10-17 07:58Core Points - Several banks in China are tightening management of long-term inactive accounts, with some lowering the threshold for inactivity from 100 yuan to 10 yuan [1][2] - The People's Bank of China reported that as of Q2 2025, there were 15.122 billion personal bank accounts, reflecting a 0.93% quarter-on-quarter increase [2] - The adjustments in the definition of long-term inactive accounts are seen as a necessary measure for banks to mitigate financial risks and optimize resource allocation [2][3] Group 1: Changes in Inactive Account Standards - Xinyu Bank announced a new standard for long-term inactive accounts effective October 15, reducing the balance threshold from 100 yuan to 10 yuan and extending the inactivity period from 180 days to 365 days [1] - Other banks have varying standards for defining long-term inactive accounts, with some requiring no transactions for up to three years and balance thresholds ranging from 10 yuan to 100 yuan [3][4] - The adjustments reflect a trend towards more precise management of accounts, balancing risk control with customer experience [3][4] Group 2: Implications for Customers - Customers with long-term inactive accounts may face restrictions on transactions and services, but accounts with remaining balances will not be automatically closed [6][7] - To reactivate a restricted account, customers must verify their identity at a bank branch or through mobile banking [6] - Customers are advised to conduct small transactions periodically to avoid their accounts being classified as long-term inactive [6][7]