The central bank imposed heavy penalties! CCB, ABC and BOC received large fines of more than 40 million yuan.

According to official website, the People's Bank of China, recently, the relevant branches of the People's Bank of China filed an investigation into some financial institutions' violation of consumers' financial information security according to law, and punished Jiangbei Branch of China Agricultural Bank, Shizuishan Branch of China Bank, Deyang Branch of China Construction Bank, Loudi Branch of China Construction Bank, Dongying Branch of China Construction Bank and China Construction Bank respectively according to the relevant provisions of People's Republic of China (PRC) Consumer Rights Protection Law and People's Republic of China (PRC) Anti-Money Laundering Law.

1. According to the information released by the central bank, the types of illegal acts of China Agricultural Bank Co., Ltd. Jilin Jiangbei Sub-branch are as follows: 1, infringing consumers' right to protect personal information according to law; 2. Violation of anti-money laundering regulations and disclosure of customer information. The central bank gave it a warning and imposed a fine of 6.5438+0.223 million yuan. At that time, the president, vice president, business director and employees of the branch were fined 1.75 million yuan to 30,000 yuan respectively.

2. Shizuishan Branch of Bank of China violated consumers' right to protect personal information according to law and was fined 4 1 10000 yuan.

3. Deyang Branch, Dongying Branch and Loudi Branch of China Construction Bank Co., Ltd. violated consumers' rights to protect personal information according to law, and were fined14.06 million yuan, 5 14 million yuan and 5.33 million yuan respectively. (The information of Jiande Sub-branch of China Construction Bank has not been publicized yet)

The total penalties imposed by the central bank on these institutions exceeded 40 million yuan. At the same time, the central bank also interviewed relevant financial institutions and ordered them to rectify immediately.

The person in charge of the relevant departments of the People's Bank of China said that the People's Bank of China has always attached great importance to the protection of consumers' financial information, adhered to "zero tolerance" for acts that infringe on the safety of consumers' financial information, and resolutely cracked down on illegal acts that infringe on the legitimate rights and interests of financial consumers.

Earlier, some media reported that employees of individual financial institutions were suspected of leaking consumer financial information. The People's Bank of China filed an investigation on the basis of the principle of territoriality, and found that the financial institutions involved infringed on consumers' financial information security rights, and severely investigated and dealt with the financial institutions involved in accordance with the law and regulations. While making administrative punishment according to law, the People's Bank of China ordered the financial institutions involved to take this as a warning, comprehensively investigate the hidden dangers of consumer financial information protection and make timely rectification.

First, at the level of system construction, it is clearly required to further improve the internal control system in the collection, storage, use and external provision of consumer financial information, and take effective measures to implement various systems.

Second, in terms of system construction, financial institutions should constantly improve their business systems and anti-money laundering systems, establish a monitoring model for abnormal behavior of users, and regularly monitor and plug security risks such as technical loopholes in the system; Improve the system function module to ensure that the log generated by the system can timely, accurately and comprehensively record the query and download operation of information data. In particular, it is necessary to smooth the feedback channels of system users and avoid the phenomenon of "two layers of skin" in business and technology.

Third, in personnel management, we should constantly strengthen relevant measures. Reasonable authority should be set for post personnel who are exposed to consumer financial information, effective measures such as internal approval should be taken to control authority, and staff business training and warning education should be carried out in an all-round way to effectively avoid the recurrence of consumer financial information leakage.

Up to now, all the institutions involved have made rectification and accountability, further improved the internal control mechanism of consumer financial information protection, improved the preventive measures of information security technology, and strengthened the awareness of employees on consumer financial information security.

Consumer financial information generally includes personal identity information, property information, account information, credit information, financial transaction information and other information that reflects certain situations of a specific individual. Once these important information are leaked, it may cause damage to the spirit, reputation and property of financial consumers themselves and their families, relatives and friends.

The person in charge of the relevant departments of the People's Bank of China said that financial consumers should focus on protecting their financial information security from the following aspects:

First, take care of your identity documents, bank cards, bank (payment) accounts, etc. , and don't lend them to others;

Second, don't disclose personal financial information, property status and other basic information to others, and don't leave personal financial information in various online and offline channels at will;

Third, try to handle financial business in person, don't entrust unfamiliar people or intermediaries, and beware of personal financial information being stolen;

Fourth, when providing copies of personal identity documents for various businesses, it is necessary to indicate the purpose of use on the copies;

Fifth, don't discard credit card shopping lists, withdrawal receipts, credit card statements, etc. Destroy invalid financial business documents at will and in time;

Sixth, don't easily click on mobile phone text messages, emails and unknown links of unknown origin, don't scan QR codes of unknown origin at will, and use public ***WIFI and confidential WiFi cautiously;

The seventh is to find the risk of personal financial information disclosure and contact the public security and other departments to protect their rights in time.