银行加强长期不动户清理——账户可恢复 资金仍可取

Core Viewpoint - Recent announcements from multiple banks indicate a focus on cleaning up long-dormant accounts to combat money laundering and fraud, with measures including the identification and clearing of personal and corporate accounts that have been inactive for an extended period [1][2]. Group 1: Regulatory Changes - The regulatory focus has shifted from cleaning "sleeping cards" to long-dormant accounts, which are defined as accounts with no transactions, low balances, and that are untraceable [2]. - The current regulatory policies allow banks to set their own criteria for identifying long-dormant accounts, leading to variations in standards across different banks [2][3]. Group 2: Consumer Concerns - Consumers have expressed confusion regarding the cleaning process, particularly about the status of their funds if their accounts are classified as long-dormant [3]. - Banks have reassured customers that funds in long-dormant accounts remain protected by law, and account holders can restore account functionality through various channels [3]. Group 3: Security Measures - Banks have emphasized that they will not request sensitive information such as passwords or verification codes during the cleaning process, urging customers to remain vigilant against potential scams [4].