本报讯 记者马梅若报道 日前，央行发布《2025年第三季度支付体系运行总体情况》。 数据显示，截至三季度末，全国共开立银行账户153.95亿户。开立单位银行账户1.19亿户，其中， 基本存款账户8270.91万户；开立个人银行账户152.76亿户。 非现金支付业务方面，三季度，全国银行共办理非现金支付业务1685.08亿笔，金额1503.36万亿 元。电子支付方面，三季度，银行共处理电子支付业务834.55亿笔，金额945.40万亿元。其中，网上支 付业务193.93亿笔，金额792.59万亿元；移动支付业务606.31亿笔，金额137.53万亿元。三季度，非银行 支付机构处理网络支付业务3380.19亿笔，金额85.28万亿元。 三季度，支付系统（包含人民银行清算总中心系统、银联跨行支付系统、城银清算支付清算系统、 农信银支付清算系统、人民币跨境支付系统、 网联清算平台、商业银行行内业务系统）共处理支付业 务4321.43亿笔，金额3499.98万亿元。 责任编辑：袁浩 ...

数据显示，截至三季度末，全国共开立银行账户153.95亿户。开立单位银行账户1.19亿户，其中，基本 存款账户8270.91万户；开立个人银行账户152.76亿户。 非现金支付业务方面，三季度，全国银行共办理非现金支付业务1685.08亿笔，金额1503.36万亿元。电 子支付方面，三季度，银行共处理电子支付业务834.55亿笔，金额945.40万亿元。其中，网上支付业务 193.93亿笔，金额792.59万亿元；移动支付业务606.31亿笔，金额137.53万亿元。三季度，非银行支付机 构处理网络支付业务3380.19亿笔，金额85.28万亿元。 近日，央行发布《2025年第三季度支付体系运行总体情况》。 三季度，支付系统(包含人民银行清算总中心系统、银联跨行支付系统、城银清算支付清算系统、农信 银支付清算系统、人民币跨境支付系统、网联清算平台、商业银行行内业务系统)共处理支付业务 4321.43亿笔，金额3499.98万亿元。 ...

It might sound surprising, but many people have money sitting in bank accounts that they’ve long since forgotten. Old checking or savings accounts can slip through the cracks after a move, a career change, or even when a bank merges with another financial institution. According to the National Association of Unclaimed Property Administrators (NAUPA), states throughout the country return billions of dollars in unclaimed funds to their rightful owners every year. If you think you might have unclaimed accou ...

Core Viewpoint - Several banks have initiated actions to manage or clean up "sleeping accounts," with some banks setting a standard of "balances below 10 yuan, with no transactions for a year and no linked services" for management [1] Group 1: Actions by Banks - Banks claim that these measures aim to prevent accounts from being exploited by criminals and to assist in combating money laundering and fraud risks [1] - The cleanup of "sleeping accounts" is also seen as beneficial for bank management and financial security [1] Group 2: Concerns and Recommendations - The approach of a blanket policy may be considered overly simplistic, as it disregards the detailed information provided by users during account opening and the agreements signed with banks [1] - It is suggested that banks should contact account holders for careful identification, cleaning up only genuine "sleeping accounts" while notifying those that are active to protect user interests [1]

Core Viewpoint - Recent announcements from multiple banks indicate a move to manage or clean up "long-term inactive accounts," raising concerns among customers about the fate of their funds in these accounts [2][5]. Group 1: Definition and Standards of Inactive Accounts - "Sleeping accounts" are defined as personal bank accounts that have not had any transactions for a specified period, with varying standards across banks [4]. - The criteria for identifying long-term inactive accounts include having a balance of 10 yuan (inclusive) or less, no active loan repayments, and no transactions for 365 days or more [3][4]. - Different banks have different thresholds for inactivity, ranging from 1 year to 3 years, and balance limits from 10 yuan to 100 yuan [4]. Group 2: Customer Concerns and Bank Responses - Customers express concerns about the potential loss of funds in sleeping accounts and the lack of clarity on how these accounts will be managed [2][5]. - Banks have stated that they will notify account holders through SMS and mobile banking alerts before any actions are taken on inactive accounts [5]. - Even if an account is closed, customers can reclaim any remaining balance, as the funds remain the property of the account holder [5][6]. Group 3: Regulatory Background and Industry Context - The cleanup of sleeping accounts is part of a broader initiative by the People's Bank of China, which began in 2020, to reduce the number of inactive accounts and improve banking efficiency [7][8]. - As of 2024, the average person holds approximately 7 bank cards, with a significant portion of these being inactive accounts [8]. - Inactive accounts pose operational challenges for banks, as they occupy resources without contributing significantly to revenue, with some banks reporting that low-activity accounts account for 20%-30% of their total accounts [8][9].

Core Viewpoint - Increasing number of banks are conducting centralized cleaning of "sleeping" accounts, with at least 10 banks announcing such measures since the second half of the year [1][2] Group 1: Account Cleaning Initiatives - Xi'an Bank announced plans to clean up long-unused personal and corporate settlement accounts, as well as direct banking accounts, starting November 14 [1][2] - Other banks, including Industrial Bank and Guangxi Beibu Gulf Bank, have also issued similar cleaning notifications, with varying criteria for identifying long-unused accounts [2] Group 2: Criteria for Long-Unused Accounts - The criteria for identifying long-unused accounts differ among banks, with balance thresholds ranging from 10 to 100 yuan and inactivity periods varying from six months to two years [2] - For example, Industrial Bank revised its criteria, lowering the balance requirement from 100 yuan to 10 yuan and extending the inactivity period from 180 days to 365 days [2] Group 3: Risks and Benefits of Cleaning Accounts - Long-unused accounts pose risks such as potential misuse for money laundering and fraud, as account holders may not monitor their accounts regularly [3] - Cleaning these accounts can help consumers reactivate idle funds, improve resource utilization, and enhance overall account management to mitigate risks [3] Group 4: Account Recovery Process - Banks are implementing regular monitoring of long-unused accounts, with measures to restrict fund movements for accounts that meet the criteria [4] - Account holders who need to reactivate restricted accounts can do so by visiting bank branches with valid identification and their bank cards [4] Group 5: Customer Awareness and Fund Security - Customers with multiple bank accounts should be aware of different banks' management regulations to avoid confusion regarding account activity [5] - Funds in long-unused accounts will not be lost; if accounts are not reactivated, the funds will be transferred to a special account managed by the bank, retaining ownership for the account holder [5]

Core Viewpoint - Banks are initiating a cleanup of "sleeping accounts," which are defined as long-term inactive accounts, raising concerns among account holders about the status of their funds and the implications of this action [2][19]. Summary by Sections Definition of "Sleeping Accounts" - "Sleeping accounts" refer to personal or corporate accounts that have been inactive for an extended period, typically characterized by "long-term no active transactions" and "low balance" [5][6]. - Most banks define these accounts as having a balance below 10 RMB and being inactive for over a year, although some may only clear accounts with zero balance [5][8]. Differentiation Among Banks - Different banks have varying criteria for identifying "sleeping accounts." For instance, one bank may require a balance below 10 RMB and three years of inactivity, while another may set the threshold at 50 RMB and two years [8][10][14]. - Corporate accounts also have stricter criteria, with a six-month inactivity leading to restrictions and a year resulting in classification as a long-term inactive account [14]. Process of Account Cleanup - During the cleanup, banks will notify account holders via SMS or mobile banking alerts. To retain their accounts, customers must conduct at least one active transaction before the cleanup process begins [18]. - If an account is closed due to inactivity, the funds remain the property of the account holder and can be reclaimed from the bank [18][19]. Rationale Behind the Cleanup - The cleanup initiative is part of a broader effort by the National Financial Regulatory Administration to manage "sleeping accounts," with many banks participating in this action over the past two years [19]. - The cleanup serves three main purposes: to awaken idle funds for better utilization, to reduce unnecessary resource occupation by inactive accounts, and to mitigate potential risks associated with long-term inactive accounts, such as fraud [21]. Recommendations for Account Holders - Experts suggest that account holders should regularly check their accounts, close unnecessary ones, and ensure that active accounts have minimal transactions to avoid being classified as "sleeping accounts" [23].

Core Viewpoint - Banks are initiating the cleanup of "sleeping accounts," which are defined as long-term inactive accounts, raising concerns among account holders about their rights and the status of their funds [1][6]. Group 1: Definition and Criteria of "Sleeping Accounts" - "Sleeping accounts" refer to personal or corporate accounts that have been inactive for an extended period, typically characterized by "long-term inactivity" and "low balance" [2][3]. - Most banks define long-term inactive accounts as those with a balance below 10 RMB and no transactions for over a year, although some banks may only clear accounts with zero balance [2][3]. Group 2: Variations in Bank Standards - Different banks have varying criteria for identifying long-term inactive accounts. For example, one bank may require a balance below 10 RMB and no transactions for three years, while another may have a threshold of 50 RMB and two years of inactivity [3][4]. - Certain accounts, such as social security and retirement accounts, are exempt from this cleanup process [3][4]. Group 3: Account Holder Rights and Notifications - During the cleanup process, banks will notify account holders via SMS or mobile banking alerts. To retain their accounts, holders must conduct at least one transaction before the cleanup [5][6]. - Even if an account is closed due to inactivity, account holders can reclaim any remaining funds [5][6]. Group 4: Reasons for Cleanup - The cleanup of long-term inactive accounts is part of a broader initiative by the National Financial Regulatory Administration to enhance financial consumer awareness and improve fund utilization efficiency [6]. - The cleanup aims to reduce the ineffective use of banking resources and mitigate potential risks associated with dormant accounts, such as fraud [6]. Group 5: Recommendations for Account Holders - Experts recommend that account holders regularly check their accounts, close unnecessary ones, and maintain minimal activity to avoid their accounts becoming inactive [7]. - It is advised to avoid using personal accounts for business purposes to prevent complications [7].

Core Viewpoint - Multiple banks are initiating actions to manage or clean up "long-term inactive accounts" to combat risks such as money laundering and fraud, while ensuring that account balances can still be withdrawn normally [1][3]. Summary by Sections Bank Actions - Several banks have announced plans to clean up long-term inactive accounts, which include both personal and corporate accounts. The criteria for identifying these accounts vary slightly among banks, but generally target accounts with low balances and no transaction activity for an extended period [1][2]. - Specific criteria from a bank in Jiangxi include accounts with a balance below 10 RMB and no transactions for three years. Other banks have similar but slightly different standards, such as a balance below 50 RMB and inactivity for two years [2][3]. Customer Concerns - Many customers have expressed confusion and concern over the lack of prior notification from banks regarding the potential cleaning of their accounts. They are uncertain about how to proceed to avoid their accounts being classified as inactive [1][2]. Expert Insights - Experts highlight the positive implications of cleaning up long-term inactive accounts, including awakening idle funds, improving resource utilization, and enhancing financial security by reducing risks associated with dormant accounts [3][4]. - A professor from Nankai University noted that a significant percentage of fraud cases are linked to these inactive accounts, emphasizing the need for banks to manage these accounts effectively [4]. Recommendations for Customers - Customers are advised to regularly check their accounts, close unnecessary ones, and maintain minimal activity in accounts they wish to keep. This includes using features like mobile payment apps to monitor account status [5].

Core Viewpoint - Multiple banks are initiating the cleanup of long-term inactive accounts, which include both personal and corporate accounts, to mitigate risks associated with money laundering and fraud, as well as to optimize resource management [2][3][4]. Group 1: Reasons for Cleanup - Long-term inactive accounts are susceptible to misuse by criminals for activities such as money laundering and telecom fraud, necessitating their removal to reduce gray areas [3]. - These accounts consume system resources and increase data storage and maintenance costs, thus cleaning them can enhance backend management and service response efficiency [3]. - Regulatory requirements mandate banks to perform customer identity verification and manage accounts that cannot be verified or have been inactive for long periods, aligning with anti-money laundering and account real-name management efforts [3]. Group 2: Consumer Risks - Long-term inactive accounts can incur management fees and annual fees, leading to gradual depletion of small balances if not monitored [4]. - Inactive accounts may be exploited by criminals, posing legal risks and credit vulnerabilities for consumers [5]. Group 3: Standards for Inactive Accounts - Different banks have varying criteria for defining "long-term inactive accounts," with examples including: - Industrial Bank defines it as accounts with a balance of 10 yuan or less and no transactions for over 365 days [6]. - New Feng Rural Commercial Bank considers accounts inactive if there have been no transactions for over three years and the balance is zero [6]. - Bank of China (Hainan branch) identifies accounts with no transactions in three years and a balance of 10 yuan or less as inactive [6]. - Jiuquan Rural Commercial Bank sets the threshold at two years of inactivity with a balance of 100 yuan or less [6]. Group 4: Variability in Standards - The differences in standards among banks stem from their autonomy in execution and varying risk preferences, with larger banks often adopting more cautious approaches compared to smaller banks [7]. - Some banks are extending the cleanup to corporate accounts and online channels, indicating a broader scope of the initiative [7]. Group 5: Regulatory Evolution - The current cleanup initiative reflects a shift from focusing on physical cards to managing account behaviors, indicating a deeper regulatory approach to account lifecycle management [8][9]. - The emphasis has transitioned from merely addressing card redundancy to ensuring the authenticity, activity, and traceability of accounts, highlighting an upgrade in regulatory requirements [9].