Xin Lang Cai Jing·2025-11-12 23:28Core Viewpoint - A woman has been unable to withdraw her bank deposits for nearly 30 years due to issues related to her name containing a rare character, highlighting potential systemic problems within the banking industry regarding data management and historical record-keeping [1][3][4] Group 1: Incident Overview - The woman, Ms. Gu, deposited a total of 6,000 yuan in 1997, which should have accrued to nearly 5,000 yuan upon maturity, but she faced difficulties in withdrawing the funds this year [1] - Bank staff indicated that the issue stems from the rare character in her name, which the system currently cannot recognize, leading to complications in processing her request [3] Group 2: Systemic Issues - Banking professionals noted that this situation may be a "historical legacy problem" related to the bank's internal compliance processes and the integration of various banking systems [1][4] - The bank must first verify the authenticity of the deposit certificate, which includes checking for potential forgery or whether the certificate has been reported lost [3] Group 3: Historical Data Management - The banking system from the 1990s was less advanced, often relying on manual record-keeping, which has led to discrepancies in data across different systems [4] - Upgrades and migrations of banking systems over the years have created gaps in data retrieval, particularly for historical records [4][5] Group 4: Regulatory and Technical Standards - In 2022, China introduced a national standard for encoding rare Chinese characters, which aims to improve the handling of such characters in financial services [5] - The People's Bank of China issued guidelines for financial institutions to better manage rare character processing, emphasizing the need for specialized training and operational mechanisms [5] Group 5: Data Synchronization Challenges - Data synchronization issues can also arise between banks and external systems, such as credit and public security databases, complicating processes like name changes [6] - While banks have established procedures for common tasks like name changes, discrepancies can still occur due to the lack of automatic updates between systems [6]