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 at least 10 banks announcing such measures since the second half of the year [1][2] Group 1: Account Cleaning Initiatives - Xi'an Bank announced plans to clean up long-unused personal and corporate settlement accounts, as well as direct banking accounts, starting November 14 [1][2] - Other banks, including Industrial Bank and Guangxi Beibu Gulf Bank, have also issued similar cleaning notifications, with varying criteria for identifying long-unused accounts [2] Group 2: Criteria for Long-Unused Accounts - The criteria for identifying long-unused accounts differ among banks, with balance thresholds ranging from 10 to 100 yuan and inactivity periods varying from six months to two years [2] - For example, Industrial Bank revised 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 - Long-unused accounts pose risks such as potential misuse for money laundering and fraud, as account holders may not monitor their accounts regularly [3] - Cleaning these accounts can help consumers reactivate idle funds, improve resource utilization, and enhance overall account management to mitigate risks [3] Group 4: Account Recovery Process - Banks are implementing regular monitoring of long-unused accounts, with measures to restrict fund movements for accounts that meet the criteria [4] - Account holders who need to reactivate restricted accounts can do so by visiting bank branches with valid identification and their bank cards [4] Group 5: Customer Awareness and Fund Security - Customers with multiple bank accounts should be aware of different banks' management regulations to avoid confusion regarding account activity [5] - Funds in long-unused accounts will not be lost; if accounts are not reactivated, the funds will be transferred to a special account managed by the bank, retaining ownership for the account holder [5]