2023年10月，国家金融监督管理总局组织开展银行"沉睡账户"提醒提示专项工作，为期一年。不过，在近两年集中清理下，全行业银行卡 的开户数和人均持卡量依然处于增长的态势。 央行数据显示，截至2024年末，全国共开立个人银行账户同比增长3.32%，即4.7亿户；全国开立银行卡同比增1.29%，人均持有银行卡 7.04张，对比2023年末的6.93张轻微上升。 财联社记者从多位银行业人士采访中了解到，当前单纯的"账户数"已经不能支撑业绩增长，反而造成系统维护和风控成本。 同时，不少中小 银行试图借清理之机，激活睡眠账户、提升账户价值。 缓解业务焦虑，睡眠账户已成获客机会 10月24日，华东某大型城商行分行行长对财联社表示，该行估算存量"死卡"大概30万张，包括早年配套社保、医保和代发工资的银行卡； 另外一类是低频交易的睡眠账户，规模也不小，特点是存款和交易都非常少。 日前，南京银行发布清理睡眠账户公告，宣布对工商登记为注销或吊销的企业客户和非实名的个人账户等以往银行清理公告中罕见的情况进 行清理。 财联社记者注意到， 10月份以来，银行业再一次掀起清理睡眠账户的小高潮，不完全统计至少超过30家银行相继发布清理公告 ...

预防和打击诈骗当然没错，清理"睡眠账户"也有利于银行管理，保障金融安全。但仅以一纸声明就"一 刀切"似乎有些过于武断。账号开户时，用户都填写过详细的资料，和银行签下了协议。若是单方面撕 毁协议，容易误伤无辜。最好的办法还是应当联系开户人，仔细甄别，对真正的"睡眠账户"予以清理， 对"未睡眠"的账户则提个醒，保障好每个用户的利益。胡波/文 曹一/图 近期，多家银行陆续启动"睡眠账户"管控或清理行动，有的银行明确以"余额10元以下、连续一年无交 易且无绑定业务"为管控标准。银行方面称此举旨在防范账户被不法分子利用，助力打击洗钱、电诈等 风险。 ...

Core Viewpoint - Several banks in China, including Ningde Rural Commercial Bank, are implementing customer identity verification processes to enhance security and comply with regulatory requirements, which may restrict services for customers with incomplete or inaccurate information [1][3][7]. Group 1: Identity Verification Initiatives - Ningde Rural Commercial Bank announced a verification process for personal customer identity information, including name, gender, nationality, occupation, address, contact number, and identification document details [3]. - Other banks, such as the Bank of China Shandong branch and various rural commercial banks, have also issued similar announcements regarding customer identity verification [2][4]. - The verification process is in response to regulatory requirements, including the Anti-Money Laundering Law of the People's Republic of China [3][7]. Group 2: Service Restrictions and Account Management - Customers with incomplete or inaccurate identity information will face restrictions on financial services, with a planned suspension of non-counter services for those lacking complete information starting June 2025 [3][4]. - Some banks are also addressing the issue of "sleeping accounts," which are accounts that have not had any transactions for an extended period, leading to potential account closures [4][11]. - Continuous monthly cleaning of accounts that meet specific criteria, such as inactivity for three years and low balances, will be implemented [5][11]. Group 3: Broader Industry Trends - Over thirty banks have initiated similar identity verification and account cleaning measures since June of the previous year, indicating a broader industry trend towards enhancing customer information accuracy [11][12]. - The banking sector is experiencing a shift from rapid expansion to a focus on quality, as evidenced by a slowdown in the growth rate of bank card issuance [10][12]. - The total number of bank cards issued in China reached 9.913 billion by the end of 2024, with a growth rate of only 1.29%, significantly lower than previous years [10].