编辑丨孙超逸 记者丨曹媛 近期，21世纪经济报道记者注意到，多家银行发布公告，涉及长期不动户管控。 记者梳理发现，上述公告主要涉及几方面：一是银行调整长期不动户的认定标准。 如在10月14日，兴业银行公告称：调整前，我行长期不动户认定标准为——账户余额为100元（含）以 下，无我行个人贷款还款、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）。 记者注意到，调整后该行纳入长期不动户治理的账户范围缩小。该行长期不动户认定标准调整为——账 户余额为10元（含）以下，无我行个人贷款还款、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）。 兴业银行也在公告中强调，"我行将于2025年10月15日起，按照调整后认定标准每日滚动管控符合条件 的账户，采取限制资金进出的保护措施。" 二是银行清理符合一定认定标准的长期不动户。如永靖县农村信用合作联社、陇西农商行、靖远农商银 行对线上渠道长期不动户进行清理；酒泉农商银行、葫芦岛银行、界 ...

Core Viewpoint - Recent announcements from multiple banks indicate a shift in the management of "long-term inactive accounts," with stricter criteria for identification and cleaning up of such accounts to mitigate risks associated with idle funds and potential fraud [1][3][5]. Summary by Sections Changes in Recognition Standards - Banks are adjusting the criteria for identifying long-term inactive accounts. For instance, Industrial Bank has revised its standard from an account balance of 100 yuan or less and no transactions for 180 days to a balance of 10 yuan or less and no transactions for 365 days [1][2]. Account Cleanup Initiatives - Several banks, including rural credit cooperatives and commercial banks, are actively cleaning up long-term inactive accounts through various channels, indicating a broader trend in the banking sector to manage these accounts more effectively [1][2]. Rationale Behind the Measures - The measures aim to address risks associated with long-term inactive accounts, such as unnecessary management fees and the potential for fraud. Banks are responding to regulatory pressures to prevent illegal activities like cross-border gambling and telecom fraud [3][4]. Legal Context and Consumer Rights - A case from Beijing Financial Court highlighted the legality of banks closing accounts that have been inactive for extended periods. The court ruled that such actions do not infringe on consumer rights, emphasizing the importance of preventing misuse of dormant accounts for criminal activities [5][6].

Core Viewpoint - Recent announcements from multiple banks indicate a shift in the management of "long-term inactive accounts," with stricter criteria for identification and subsequent cleaning measures being implemented to enhance consumer protection and mitigate risks associated with dormant accounts [1][4]. Summary by Sections Changes in Recognition Standards - Banks are adjusting the criteria for identifying long-term inactive accounts. For instance, Industrial Bank has revised its standard from an account balance of 100 yuan or less and 180 days of inactivity to a new threshold of 10 yuan or less and 365 days of inactivity [1]. - The bank will begin daily monitoring of accounts that meet the new criteria starting October 15, 2025, implementing restrictions on fund movements for these accounts [1]. Cleaning of Inactive Accounts - Various banks, including rural credit cooperatives and commercial banks, are actively cleaning up long-term inactive accounts that meet specific criteria. This includes both individual and corporate accounts [1]. Variability in Standards Across Banks - There is inconsistency in how different banks define "long-term inactive accounts." For example, the Bank of China in Xinjiang has a different standard, allowing for accounts with no transactions for six months and a balance of 100 yuan or less [2]. Rationale Behind Management Measures - The management of long-term inactive accounts is aimed at reducing risks associated with idle funds, which can lead to unnecessary account management fees and potential misuse of personal information by criminals [4]. - The measures are part of a broader effort to combat illegal activities such as cross-border gambling and telecom fraud, ensuring the safety of consumer funds and rights [4]. Legal Context and Consumer Rights - A case from Beijing Financial Court highlighted the legality of banks closing accounts that have been inactive for extended periods. The court ruled that the bank's actions were valid and did not infringe on the consumer's rights, emphasizing the importance of preventing misuse of dormant accounts [5]. - The court also noted that the potential for dormant accounts to be exploited for illegal activities poses a significant risk to public interest, justifying the banks' proactive measures [5].