银行加强长期不动户清理—— 账户可恢复 资金仍可取

Core Insights - Multiple banks are intensifying efforts to clean up long-dormant accounts to combat money laundering and fraud, aligning with regulatory requirements [1][2] - The focus has shifted from "sleeping accounts" to long-dormant accounts, which are defined by a lack of transactions and low balances [2] - There is a lack of uniformity in the criteria for identifying long-dormant accounts across different banks, leading to potential confusion for customers [3] Summary by Sections Regulatory Context - The National Financial Regulatory Administration initiated a campaign in 2023 to address "sleeping accounts," highlighting the risks associated with long-unused accounts [1] - Experts emphasize that cleaning up long-dormant accounts is essential for risk management and optimizing bank resource allocation [1] Current Practices - The criteria for identifying long-dormant accounts vary among banks, with some focusing on accounts with no transactions, regardless of whether they have physical cards [2] - Banks have the autonomy to set their own standards based on customer structure and risk models, leading to different practices in account management [2] Consumer Concerns - Customers express concerns about the implications of account cleaning, particularly regarding the status of their funds and the process for restoring account functionality [3] - Banks assure customers that funds remain protected by law and that account restoration is possible through various channels [3] Security Measures - Banks are advising customers to be vigilant against scams during the account cleaning process, emphasizing that they will not request sensitive information through unsolicited communications [4]