INDUSTRIAL BANK(SH:601166) 财联社·2025-10-18 14:05Core Viewpoint - Multiple banks are cleaning up long-term inactive accounts to enhance financial security and operational efficiency, while also preventing risks such as telecom fraud and money laundering [1][3]. Group 1: Bank Announcements - On October 16, Hubei Yuanan Rural Commercial Bank announced a cleanup of personal bank accounts, including long-term inactive accounts and those with missing or expired identity information [2]. - Various banks have released similar announcements, with criteria for identifying long-term inactive accounts varying across institutions. For instance, Guian Development Village Bank will clean accounts that have had no transactions for a year, excluding interest accruals [2]. - Industrial Bank has adjusted its criteria for long-term inactive accounts from a balance of 100 yuan to 10 yuan, with a requirement of no transactions for 365 days [2]. Group 2: Risk Prevention - The ongoing cleanup of long-term inactive accounts is aimed at strengthening account management and safeguarding customer funds against telecom fraud risks [3]. - Long-term inactive accounts can lead to wasted financial resources and expose consumers to risks of fraud, as sensitive information may be compromised [3]. - The initiative is seen as beneficial for customers, allowing them to better understand their account status and manage their funds effectively [3]. Group 3: Consumer Recommendations - Consumers are advised to regularly review and manage their bank accounts, including timely cancellation of unused cards [4]. - Banks recommend that customers perform at least one transaction on accounts identified as long-term inactive to avoid restrictions [4]. - Customers should verify with their banks if they are unsure whether their accounts fall under the cleanup criteria [4]. Group 4: Security Measures - Banks have assured that during the cleanup process, they will not request sensitive information such as passwords or verification codes through SMS or calls [5]. - Customers are warned against phishing attempts related to account cleanup and should be cautious of unsolicited communications [5].