多家银行出手清理 哪些属于“沉睡账户”？如何避免？

Core Viewpoint - Multiple banks are initiating actions to manage or clean up "long-term inactive accounts" to combat risks such as money laundering and fraud, while ensuring that account balances can still be withdrawn normally [1][3]. Summary by Sections Bank Actions - Several banks have announced plans to clean up long-term inactive accounts, which include both personal and corporate accounts. The criteria for identifying these accounts vary slightly among banks, but generally target accounts with low balances and no transaction activity for an extended period [1][2]. - Specific criteria from a bank in Jiangxi include accounts with a balance below 10 RMB and no transactions for three years. Other banks have similar but slightly different standards, such as a balance below 50 RMB and inactivity for two years [2][3]. Customer Concerns - Many customers have expressed confusion and concern over the lack of prior notification from banks regarding the potential cleaning of their accounts. They are uncertain about how to proceed to avoid their accounts being classified as inactive [1][2]. Expert Insights - Experts highlight the positive implications of cleaning up long-term inactive accounts, including awakening idle funds, improving resource utilization, and enhancing financial security by reducing risks associated with dormant accounts [3][4]. - A professor from Nankai University noted that a significant percentage of fraud cases are linked to these inactive accounts, emphasizing the need for banks to manage these accounts effectively [4]. Recommendations for Customers - Customers are advised to regularly check their accounts, close unnecessary ones, and maintain minimal activity in accounts they wish to keep. This includes using features like mobile payment apps to monitor account status [5].