银行将清理“沉睡账户”，如何影响你我？

Core Viewpoint - Banks are initiating the cleanup of "sleeping accounts," which are defined as long-term inactive accounts, leading to confusion among account holders regarding their rights and actions needed to prevent account closure [1][17]. Group 1: Definition and Criteria of "Sleeping Accounts" - "Sleeping accounts" refer to personal or corporate accounts that have been inactive for an extended period, typically characterized by "long-term no active transactions" and "low balance" [4][5]. - Most banks define long-term inactive accounts as those with a balance below 10 RMB and no transactions for over a year, although some banks may only clear accounts with zero balance [4][9]. Group 2: Variations in Bank Standards - Different banks have varying criteria for identifying long-term inactive accounts. For instance, one bank requires a balance below 10 RMB and no transactions for three years, while another bank has a threshold of 50 RMB and two years of inactivity [7][9]. - Corporate accounts also have stricter standards, with a six-month inactivity leading to account restrictions and a year leading to classification as a long-term inactive account [13]. Group 3: Account Holder Rights and Notifications - During the cleanup process, banks will notify account holders via SMS and mobile banking alerts. To retain their accounts, holders must conduct at least one active transaction before the cleanup [16][17]. - Even if an account is closed due to inactivity, account holders can reclaim any remaining balance from the bank [16]. Group 4: Reasons for Cleanup - The cleanup of long-term inactive accounts is part of a broader initiative by the National Financial Regulatory Administration to enhance financial management and efficiency [18][20]. - The benefits of this initiative include awakening idle funds, reducing unnecessary resource occupation, and mitigating potential risks associated with dormant accounts, such as fraud [20]. Group 5: Recommendations for Account Holders - Experts suggest that account holders should regularly check their accounts, close unnecessary ones, and perform minimal transactions to keep essential accounts active [24].