银行集中清理“沉睡”账户 确保资金安全提升使用效率

Core Viewpoint - Increasing number of banks are conducting centralized cleaning of "sleeping" accounts, with Xi'an Bank announcing a cleanup on November 14 for long-unused personal and corporate settlement accounts, as well as direct banking accounts [1][2] Group 1: Account Cleaning Initiatives - At least 10 banks have announced cleaning of long-unused accounts since the second half of the year, including Xinyu Bank and Guangxi Beibu Gulf Bank, with varying criteria for identifying inactive accounts [2] - Xi'an Bank's cleaning scope includes long-unused personal and corporate RMB settlement accounts, with specific definitions for inactivity based on account balance and transaction history [2][3] Group 2: Standards for Identifying Inactive Accounts - Different banks have slightly different criteria for identifying long-unused accounts, with balance thresholds ranging from 10 to 100 yuan and inactivity periods varying from six months to two years [2] - Xinyu Bank recently adjusted its criteria, lowering the balance requirement from 100 yuan to 10 yuan and extending the inactivity period from 180 days to 365 days [2] Group 3: Risks and Benefits of Cleaning Accounts - "Sleeping" accounts, defined as those with no transactions for five years or more, pose risks such as potential misuse for money laundering or fraud [3] - Cleaning long-unused accounts can help consumers reactivate idle funds, improve resource efficiency for banks, and reduce potential risks associated with inactive accounts [3] Group 4: Account Recovery Process - Banks are implementing regular monitoring of long-unused accounts, with Xinyu Bank starting daily management from October 15, restricting fund movements for qualifying accounts [4] - Account holders needing to reactivate restricted accounts can do so by visiting bank branches with valid identification and their bank card [4] Group 5: Customer Awareness and Fund Management - Customers with multiple bank accounts should be aware of differing management regulations to avoid confusion and ensure compliance with activity requirements [5] - Funds in long-unused accounts will not be lost; if accounts are not reactivated, funds will be transferred to a special account managed by the bank, retaining ownership for the account holder [5]