Will the police inform the account involved?

The public security bureau of the account involved will inform you by phone or SMS. Even from other provinces, it is usually people from other provinces who send emails and send me notices through the post office. Correct, the Public Security Bureau cannot directly freeze personal bank accounts; Due to handling cases or judicial needs, the Public Security Bureau needs to report to the court to freeze the relevant bank accounts involved; The court sent a letter to the bank, and the bank replied and signed it, freezing the account according to the regulations; Generally, the freezing period is six months, which can be extended once according to the demand, usually for three to six months. If it is necessary to unfreeze, go to the public security bureau to explain the situation, ask the public security bureau to issue a unfreezing certificate, and then take the certificate to the bank to make a letter of understanding.

According to Document No.261,as long as the account is recognized by the public security organ and included in the list of "accounts involved" of the new type of illegal and criminal transaction risk event management platform of telecommunication network, banks and payment institutions will suspend all business of the account. Up to now, the Anti-Fraud Center of Hebei Province, which is participated by six banks of industry, agriculture, China, construction, communications and postal savings, has stopped paying and frozen 5892 accounts involved. Last year, Guangfa Bank accumulated 2,455 abnormal accounts such as blocking forgery and false certificates. In 20 16, the central bank issued the Notice on Strengthening the Management of Payment and Settlement to Prevent New Crimes in Telecommunication Networks (hereinafter referred to as "Document 26 1") to combat telecommunication fraud. Document No.26 1 explicitly requires that from 20 17 1, banks and payment institutions will suspend all business of this account as long as it is recognized by the public security organs at or above the municipal level and included in the "account involved" list of the new illegal and criminal transaction risk event management platform of the telecommunication network.

At present, it has been more than a month since this point. How is the implementation of the bank? In a recent interview, the reporter found that many banks have implemented this requirement in advance and achieved certain results. For example, in Hebei Province, as of last year 12 and 19, the anti-fraud center of Hebei Province, which was attended by six banks of industry, agriculture, China, construction, communications and postal services, stopped paying and frozen 5892 accounts involved. The relevant person in charge of Guangfa Bank also told the reporter that last year, the bank's business outlets intercepted 2455 abnormal accounts such as fake certificates and identified 954 credit card frauds, which made remarkable achievements in preventing telecom fraud.

Circular 26 1 regulates and controls the "accounts involved" in addition to the first-level account control and 24-hour ATM transfer. According to the document No.26 1, banks and payment institutions will suspend all business of the "accounts involved" list. If the identity of the "account involved" is not verified within 3 days, all bank accounts under the account holder's name will suspend non-counter business, and all business will be suspended in the payment account. Relevant regulations also clarify that if it is clear through identity verification that the account is opened under a false name of others, a statement of consent to cancel the account must be presented before the account involved can be cancelled. If it is confirmed that the account is for sale or lease, or if it is proved that an individual or unit has opened an account by using someone else's identity, the off-counter business of its bank account and all payment account business will be suspended within 5 years, and no new account will be opened for it within 3 years. At the same time, the information of these offenders will also be announced to the public. Some insiders reminded that in the future, when a bank handles account opening business, once someone is found to be using someone else's identity to open an account, it will report the case directly to the public security organ and hand over the fraudulent identity documents to the public security organ.

It is understood that according to the characteristics of telecom fraud, Guangfa Bank has set up targeted monitoring rules from multiple dimensions such as account opening, customer key information setting, fund transaction, and account usage habits, so as to intercept suspicious activities beforehand, ensure compliance audit during the event, and monitor account anomalies afterwards.

According to the relevant person in charge of Guangfa Bank, at present, the bank has completed the stock control of illegal bank accounts and payment accounts, providing customers with a more "green" card environment. The relevant person in charge of a large bank told the reporter that in order to control telecommunication network fraud from the source and ensure the property safety of the broad masses of the people, the bank has started to implement relevant work from the aspects of comprehensively strengthening the protection of customer information, strictly implementing the real-name account management, and vigorously carrying out public publicity. Not only that, some banks have also undergone deeper transformation. The reporter learned from Guangfa Bank that the bank plans to complete all 20 renovation projects in Document 26 1 in three batches, and the first two batches have been successfully completed.

Legal basis:

Procedures for handling criminal cases by public security organs

Article 233 If the seized or detained property, documents, mails, mails and telegrams are found to be really irrelevant to the case, the seizure or detention shall be lifted within three days and returned to the original owner or the original post and telecommunications department or network service unit; If the original owner is not clear, it shall inform the original owner to claim by announcement.