Core 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].

Core Viewpoint - Multiple banks are implementing stricter measures to clean up long-dormant personal bank accounts, with standards for inactivity being lowered significantly, reflecting a response to regulatory requirements and a need for risk management in the financial sector [1][2][5]. Summary by Sections Bank Actions - Banks like Industrial Bank have reduced the threshold for identifying long-dormant accounts from 100 yuan to 10 yuan and extended the inactivity period from 180 days to 365 days [3][5]. - Other banks, such as Bank of China, are also implementing restrictions on transactions for accounts that meet the new criteria [2][3]. Variability in Standards - Different banks have varying criteria for identifying long-dormant accounts, with inactivity periods ranging from 1 to 3 years and balance thresholds from 10 yuan to 100 yuan [2][4]. - The lack of uniformity in standards is attributed to banks' autonomy in execution and differing risk appetites [4]. Regulatory Context - The cleanup of long-dormant accounts is part of a broader regulatory effort to combat financial crimes such as money laundering and telecom fraud [5][6]. - Regulatory bodies like the People's Bank of China and the Ministry of Public Security have issued guidelines mandating banks to manage dormant accounts more effectively [6][7]. Resource Management - The existence of numerous long-dormant accounts leads to resource wastage for banks, as these accounts still require server storage and system maintenance [7]. - Cleaning up these accounts is seen as a way to optimize financial infrastructure and align with compliance requirements [7]. Customer Guidance - Customers with frozen accounts can reactivate them by visiting bank branches with proper identification [8][9]. - Banks emphasize that they will not request sensitive information via phone or text during this process, urging customers to protect their personal information [9][10].

Core Viewpoint - Multiple banks are initiating the cleanup of long-dormant accounts to enhance financial security and operational efficiency while preventing risks such as telecom fraud and money laundering [2][4]. Group 1: Bank Announcements - On October 16, Hubei Yuanan Rural Commercial Bank announced a cleanup of personal bank accounts, including long-dormant accounts and those with missing or expired identity information [3]. - Other banks, such as Gui'an Development Village Bank, are also cleaning accounts that have had no transactions for over a year, excluding interest accruals [3]. - Industrial Bank has adjusted its criteria for identifying long-dormant accounts, lowering the balance threshold from 100 yuan to 10 yuan and extending the inactivity period from 180 days to 365 days [3]. Group 2: Risk Prevention - The ongoing cleanup of long-dormant accounts is aimed at strengthening account management and safeguarding customer funds against telecom fraud risks [4]. - Long-dormant accounts can lead to wasted financial resources and expose consumers to potential fraud, as inactive accounts may result in unmonitored sensitive information [4][5]. - The initiative is seen as a way to optimize customer account management, allowing clients to better understand their account situations and manage their funds effectively [5]. Group 3: Consumer Recommendations - Industry experts recommend that consumers regularly review and manage their bank accounts, promptly closing any that are no longer in use [6]. - Consumers can utilize services like the "one-click card check" feature on the Cloud Flash Payment app to monitor their bank accounts [6]. - Banks advise customers to perform at least one transaction on accounts identified as long-dormant to avoid restrictions, and to be cautious of any requests for sensitive information during the cleanup process [6].

近日，多家银行发布公告称，将对长期不动户进行清理，包括个人长期不动户和单位长期不动户。各家 银行对长期不动户的认定标准有所不同，但普遍针对低余额、长期无主动交易的账户。 不过，也有多家银行表示，若用户仍需使用在清理范围内的账户，需及时持有效证件前往银行网点激 活。 银行密集启动长期不动户清理 有利于反洗钱和账户实名制管理 近期，银行业长期不动账户清理行动迎来一波"密集公告潮"。 10月16日，湖北远安农商银行发布公告明确，将开展个人银行账户清理，包括个人长期不动户、个人开 立多个银行结算账户、身份信息缺失或过期的账户。 同日，贵安新区发展村镇银行公告称，将对一年内未发生收付活动（不包括结息等非客户主动发生的业 务）且未欠该行债务的单位银行结算账户进行清理。 事实上，在此之前，已有多家银行提前释放清理信号：中国银行海南省分行、酒泉农商银行、陇西农商 银行、新丰农商银行等机构近期先后发布公告，预告将对长期不动户进行集中整治，形成国有大行、股 份行、地方性农商行、村镇银行多类机构共同参与的治理格局。 随着清理行动的推进，"长期不动户"的具体界定成为公众关注的核心。一般来说，账户处于以下状态时 会被纳入长期不动户：1 ...

Core Viewpoint - Multiple banks are initiating the cleanup of long-dormant accounts, which includes both personal and corporate accounts, to enhance financial security and operational efficiency [1][3]. Group 1: Bank Announcements - On October 16, Hubei Yuanan Rural Commercial Bank announced a cleanup of personal bank accounts, targeting long-dormant accounts and those with missing or expired identity information [2]. - Other banks, such as Gui'an Development Village Bank, are also implementing similar measures, focusing on accounts that have not had any transactions for over a year [2]. - Industrial Bank has adjusted its criteria for identifying long-dormant accounts, lowering the balance threshold from 100 yuan to 10 yuan and extending the inactivity period from 180 days to 365 days [2]. Group 2: Risk Prevention - The cleanup of long-dormant accounts is seen as a measure to prevent financial risks such as telecom fraud and money laundering, thereby safeguarding customer funds [3]. - Long-dormant accounts can lead to wasted financial resources and increase the risk of fraud, as customers may forget about these accounts, making them vulnerable to unauthorized access [3]. Group 3: Consumer Recommendations - Consumers are advised to regularly review and manage their bank accounts, including closing any that are no longer in use [4]. - Banks recommend that customers engage in at least one transaction to avoid their accounts being classified as long-dormant, which could lead to restrictions on account usage [4]. - Customers should be cautious of any requests for sensitive information during the cleanup process, as banks will not ask for passwords or verification codes through unsolicited communications [4][5].

据记者不完全统计，近日，还有多家银行发布类似公告，将对长期不动户等进行清理，包括个人长期不 动户和单位长期不动户。比如，贵安发展村镇银行公告称，将对一年内未发生收付活动（不包括结息等 非客户主动发生的业务）且未欠该行债务的单位银行结算账户进行清理。 同时，一些银行对长期不动户认定标准进行了调整。兴业银行近日发布公告称，调整前，该行长期不动 户认定标准为账户余额100元（含）以下，无该行个人贷款还款、代销基金产品、理财产品、三方存管 等签约关系且账户连续180天（含）以上未发生任何非结息交易的个人人民币银行结算账户（金融社保 卡、公积金卡除外）。调整后，该行长期不动户认定标准为账户余额10元（含）以下，无该行个人贷款 还款、代销基金产品、理财产品、三方存管等签约关系且账户连续365天（含）以上未发生任何非结息 交易的个人人民币银行结算账户（金融社保卡、公积金卡除外）。从10月15日起，兴业银行按照调整后 的认定标准每日滚动管控符合条件的账户。 防范电信网络诈骗风险 ● 本报记者 陈露 近日，多家银行发布公告称，将对长期不动户进行清理，包括个人长期不动户和单位长期不动户。各家 银行对长期不动户的认定标准有所不同， ...