The central bank strengthens account opening management. If you lose your ID card, you don’t have to worry about others opening accounts indiscriminately.

As far as I know, the bank is attacking hard! These types of people can no longer open bank accounts...

? Are you afraid that after losing your ID card, others will use it to open a bank account? Now Don’t worry about this risk anymore. The People's Bank of China issued a notice on the 25th, requiring the strengthening of account opening management to effectively prevent illegal opening, buying and selling of bank accounts and payment accounts. Strengthen follow-up control measures for suspicious transaction reports and effectively improve the ability and level of money laundering risk prevention and control. Take a look!

1. Strengthen account opening management and effectively prevent illegal opening, buying and selling of bank accounts and payment accounts

(1) Earnestly fulfill customer identification obligations and eliminate false names, Open an account under a false name.

All banking financial institutions and payment institutions should follow the principle of "know your customer", conscientiously implement the relevant system regulations on account management and customer identification, and differentiate the degree of customer risk. Selectively adopt online verification of identity documents, personnel inquiries, customer return visits, on-site visits, verification of utility bills (such as payment vouchers for electricity bills, water bills, etc.), and network information inspection to identify and verify the authenticity of customers and their agents identity to prevent criminals from opening accounts using false names or impersonating other people’s identities.

(2) Strictly review abnormal account opening situations and reject account opening when necessary.

For those who do not cooperate with customer identification, open accounts in an organized manner at the same time or in batches, have unreasonable reasons for opening accounts, open business that does not match the identity of the customer, and have obvious reasons to suspect that the customer's account opening is engaged in card reselling or other activities. Banking financial institutions and payment institutions have the right to refuse account opening due to illegal and criminal activities. Based on the risk profile of the customer and the business he or she is applying for, measures such as extending the account opening review period and intensifying customer due diligence may be adopted, and account opening should be refused when necessary.

2. Strengthen follow-up control measures for suspicious transaction reports and effectively improve the ability and level of money laundering risk prevention and control

(1) Focus on manual analysis and identification, and reasonably confirm suspicious transactions.

For abnormal transactions screened out through suspicious monitoring standards, all financial institutions and payment institutions should focus on exploring the value of customer identity information and transaction records, give play to the important role of customer due diligence, and take effective measures to conduct manual analysis, Identify. These measures include but are not limited to:

1. Re-identify and investigate the customer's identity, including the customer's occupation, age, income and other information.

2. Take reasonable measures to verify the actual controller of the customer or the actual beneficiary of the transaction, and understand the equity or control structure of the corporate customer.

3. Investigate and analyze the customer’s transaction background, transaction purpose and rationality, including the customer’s operating status and income sources, related customer basic information and transaction status, account opening or transaction motives, etc.

4. Conduct an overall analysis of the business relationship with the customer, conduct a detailed review of all customer account openings and transactions, and determine whether the customer's transactions are consistent with the customer and his or her business, risk status, funding sources, etc.

5. If you are suspected of using other people’s accounts to commit criminal activities, verify the transaction status with the account owner.

(2) Differentiate situations and take appropriate follow-up control measures.

All financial institutions and payment institutions should follow the principles of "risk-based" and "prudent balance", reasonably evaluate the suspicious degree and risk status of suspicious transactions, and prudently handle account (or fund) management and control with financial consumers. The relationship between the protection of rights and interests. After submitting a suspicious transaction report, appropriate follow-up control measures should be taken in a timely manner on the customers, accounts (or funds) and financial businesses involved in the suspicious transaction report, so as to fully reduce the risk of money laundering, terrorist financing and other risks to the institution. The risk of exploitation by illegal and criminal activities. These follow-up control measures include but are not limited to:

1. Carry out continuous monitoring of customers and transactions involved in suspicious transaction reports. If suspicious transaction activities continue to occur, submit them regularly (such as every 3 months) or additionally. Report.

2. Improve customer risk levels and adopt corresponding controls in accordance with the "Guidelines for Money Laundering and Terrorist Financing Risk Assessment and Customer Classification Management of Financial Institutions" (Issued by Yinfa [2013] No. 2) and relevant internal control system regulations. measure.

3. After approval by the senior management of the institution, take measures to limit the transaction methods, scale, frequency, etc. of customers or accounts, especially the amount, frequency and type of business that customers can handle through non-counter methods.

4. Refuse to provide financial services or even terminate the business relationship after approval by the senior management of the institution.

5. Report to relevant financial regulatory authorities.

6. Report the case to the relevant investigative agency.

(3) Establish and improve the internal control system and operating procedures for follow-up control of suspicious transaction reports.

All financial institutions and payment institutions should establish and improve internal control systems and operational procedures for the follow-up control of suspicious transaction reports, clarify the follow-up control measures that should be taken for suspicious transaction reports under different circumstances, and organically incorporate them into the suspicious transaction reporting system system, and build a set of internal control systems and operating procedures for suspicious transaction reporting throughout the “before, during and after” process, to effectively improve the effectiveness of suspicious transaction reporting.

3. Increase supervision and inspection and severely punish violations of laws and regulations

The People's Bank of China at all levels must increase the implementation of account management, customer identification and suspicious transactions for financial institutions and payment institutions. The supervision intensity of the reporting management system; in relevant law enforcement inspections, regard it as an important inspection item, and continuously innovate inspection methods and methods, focusing on the use of inspection methods such as case-based inspections and spot inspections to effectively improve inspection capabilities and levels; inspection If violations of laws and regulations are discovered, administrative penalties will be imposed in accordance with the law.

The central bank responded to the rumor that "commercial banks will deposit all US dollars": the news is untrue

The central bank clarified: it has not taken any measures to require commercial banks to deposit US dollars. The official Weibo of the central bank and the Weibo of the central bank Information released on the evening of the 26th stated that there were media rumors that "the central bank notified major banks this morning that all US dollars will be deposited with the central bank on the premise of meeting liquidity." This news is not true. Currently, U.S. dollar liquidity in the banking system is normal, and the People's Bank of China has not taken any measures to require commercial banks to deposit U.S. dollars. We condemn the fabrication, publication and dissemination of false news by relevant media and reserve the right to pursue relevant responsibilities through legal channels.