What do you mean the bank blacklists people?

People who are blackmailed by banks generally belong to people with bad credit records. For those blacklisted, you can open an account in the bank to deposit and withdraw money, you can apply for a debit card (not a credit card), you can deposit cash in the bank, and others can transfer money to you. You can withdraw all the money from the book, but the bank will not give you a loan, nor will it give you a loan, that is, it will not give you a credit card that uses the money first and then repays it.

Bank blacklist refers to special merchants who have been confirmed to have fraudulent acts such as false application, credit card cashing, customer data record, account and transaction information disclosure, malicious closure, etc. The acquiring bank shall promptly take effective risk control measures such as removing the acceptance terminal, properly keeping the transaction records and other relevant evidence, submitting it to the public security organ for processing, blacklisting, entering it into the bank card risk information system, and sharing risk information with relevant bank card organizations.

Bank black account refers to a personal account with poor personal credit, which has been blacklisted by banks for many times in the bank credit information system.

Because it is a black account for credit investigation, it is limited to loans or credit cards from financial institutions. In severe cases, banks may refuse to provide them with new debit card services.

Black households with credit information prohibit some high-consumption behaviors, including sleeping on planes and trains;

If the person subjected to execution is a natural person due to dishonesty, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

The most direct impact of becoming a credit black account is to pay high penalty interest and late fees. According to the regulations of the People's Bank of China, the penalty interest rate of bank loans can fluctuate by 30% to 50% on the basis of the loan interest rate agreed in the loan contract, and the financial pressure will be even greater.

Blacklist of untrustworthy people is an important step in the construction of social credit mechanism. It will be restricted in bidding, administrative examination and approval, financing and credit, and under the pressure of public opinion and media, it will take the initiative to fulfill its legal obligations to the people's court.

Legally speaking, Article 13 of the Civil Procedure Law stipulates that "civil litigation should follow the principle of good faith"; Article 255 stipulates that "if the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may take or notify the relevant units to assist in taking measures such as restricting exit, recording in the credit information system, publishing information on non-performance of obligations through the media and other measures prescribed by law".

Only by further standardizing the market order, strictly examining qualifications and accurately evaluating honesty and credit can we really reduce the occurrence of civil disputes such as "not paying back money" in trading behavior, thus alleviating the judicial pressure from the source, promoting economic development and stabilizing social order.