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, aligning with regulatory requirements and optimizing resource allocation [1][2]. Group 1: Regulatory Changes - Banks are intensifying efforts to clear long-dormant accounts, defined by "long-term no active transactions" and "low balance" characteristics [1]. - The National Financial Regulatory Administration initiated a campaign in 2023 to address "sleeping accounts," highlighting the risks associated with long-unused accounts [1]. Group 2: Industry Analysis - The shift from cleaning sleeping cards to long-dormant accounts reflects an upgrade in regulatory requirements for account lifecycle management, emphasizing authenticity, activity, and traceability [2]. - Different banks have varying standards for identifying long-dormant accounts, allowing them to set specific criteria based on their customer base and risk preferences [2][3]. Group 3: Consumer Concerns - Consumers express concerns about the implications of account cleaning, such as the ability to recover frozen accounts and the status of their funds [3]. - Banks assure customers that funds remain protected by law, and accounts classified as long-dormant will not result in the loss of funds, as most banks implement measures to restrict non-counter transactions rather than outright account closure [3][4]. Group 4: Security Measures - Banks emphasize that they will not request sensitive information through calls or messages during the account cleaning process, urging customers to remain vigilant against potential scams [4].