多家银行宣布：清理长期不动户

Core Viewpoint - The recent wave of announcements from multiple banks regarding the cleaning of long-term inactive accounts aims to enhance anti-money laundering efforts and improve account management efficiency [2][8][15] Group 1: Cleaning Actions - Banks are initiating a concentrated effort to clean up long-term inactive accounts, which include both personal and corporate accounts [2][7] - Various banks have different criteria for identifying long-term inactive accounts, generally focusing on low balances and a lack of active transactions [1][12] - Some banks, like Guizhou Anxin Village Bank, are targeting accounts that have not had any payment activities for over a year, excluding interest-related transactions [5] Group 2: Definition and Criteria - Long-term inactive accounts are typically defined as those with no active transactions for over three years, including various types of savings accounts [8][12] - For example, China Bank's criteria include accounts with no transactions in the last three years and a balance of 10 yuan or less [12] - Different banks have established varying thresholds for account inactivity, reflecting their individual risk preferences and operational capabilities [13] Group 3: Regulatory and Operational Implications - The cleaning initiative is driven by regulatory requirements for customer identity verification and the need to manage accounts that cannot be verified or have been inactive for a long time [8][15] - The shift from focusing on physical cards to account behavior indicates a deeper regulatory approach to managing the entire lifecycle of accounts [15] - The cleaning actions are expected to optimize backend management and improve service response efficiency by reducing the number of inactive accounts [8][15]