Limited account? A number of banks issued customer information verification notices.

In order to fully implement the relevant requirements of the regulatory authorities on the real-name account registration system and anti-money laundering customer identification, and effectively prevent risks such as money laundering and terrorist financing, according to the Anti-Money Laundering Law of People's Republic of China (PRC), the Measures for the Administration of Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions, and the Guidelines for the Risk Management of Money Laundering and Terrorist Financing of Corporate Financial Institutions (Trial), a number of banks have announced that they will carry out the verification of customers' personal information and corporate customer information.

Different from the past, this verification information includes name, gender, nationality, occupation, contact telephone number, contact address, type and number of identity documents, validity period of documents, etc. Verifying information is the strictest in history.

In particular, a number of banks indicated that the financial services of their accounts would be suspended for customers with incomplete and untrue retained identity information.

Everbright verifies the customer information of natural persons and non-natural persons.

Recently, China Everbright Bank issued the Announcement on Verifying and Perfecting the Basic Identity Information of Customers in official website, requesting to verify the name, gender, nationality, occupation, address of residence or work unit, contact number, type, number and expiration date of identity documents of natural person customers.

The name, domicile, business scope, business license registration number, organization code and tax registration certificate number of the non-natural person customer; The name, number and validity period of the license, certificate or document that can prove that the customer is legally established or can carry out business and social activities according to law.

Information about the controlling shareholder or actual controller, legal representative, responsible person and authorized business personnel of the non-natural person customer (including name, identity document or identity document type, number and expiration date), information about the beneficiary (including name, contact address, type, number and expiration date of identity document or identity document), etc.

According to the announcement, since June 26, 2020, measures such as restricting fund transfer, cash withdrawal and consumption have been taken in batches for customer accounts with incomplete, incorrect, invalid or invalid identity information of 165438+, and related businesses have been suspended.

A number of banks have issued information verification announcements.

It is understood that more than one bank has issued similar announcements.

China Merchants Bank issued announcement form 65438 on October 7th and April 30th this year1respectively. The basic identity information left in the bank is incomplete, wrong, invalid or invalid, and financial services will be stopped for the account under its name.

Ping An Bank announced on March 3 1 that it will continue to check and improve customer identity information, including name, type of identity documents, number of identity documents, validity period of identity documents, gender, nationality, occupation, address of residence or work unit, contact information, etc. From May 20, 2020, if the identity information reserved in our bank is incomplete or not updated in time (including the first-generation resident ID card with the account opening certificate of 15), the financial service of your account will be gradually restricted.

Huaxia Bank announced on April 20th that it will take restrictive measures on certain financial businesses (including but not limited to only accepting and not paying, not accepting and not paying, and restricting over-the-counter transactions). ) For individual customers whose identity documents are invalid and have expired for more than 90 days since June 1 2020. For corporate customers, starting from June 1 2020, control measures will be taken to restrict certain financial businesses (including but not limited to only accepting and not paying, not accepting and not paying, and restricting over-the-counter transactions, etc.). ) is suitable for customers with missing, incorrect or invalid retention information or certificates that have expired for more than 90 days.

Bank of China announced on June 30, 2020 that from July 4, 2020, customers whose retained identity information is incomplete or untrue, or whose valid identity documents have expired and have not been updated in time within a reasonable period of time, will no longer be able to provide financial services for your account.

Focus on investigating the situation of expired ID cards and multiple people using the same mobile phone.

Why should banks start identity information verification?

According to bankers, most of the bank accounts used to transfer illegal funds in various illegal and criminal activities are accounts opened by criminals under the pretext of using resident ID cards that have been reported lost or expired.

The person pointed out that in the identity verification announcement, the expiration of the ID card is the key reminder of the bank. At the same time, check the accounts of many people using the same phone to prevent one person from illegally controlling multiple bank cards. If it can't be proved to be reasonable, it will suspend business.

It is understood that this large-scale investigation started from 19, and banks systematically investigated and sorted out suspicious customers among their own customers, not involving all customers. The bank will take the initiative to send SMS notification to the reserved mobile phone number of the suspected customer. This short message is sent directionally, and customers who have no problems will not receive it.

If the customer is not at ease, he can take the initiative to call the bank customer service or go to the bank outlet to inquire about his account. However, due to the great differences in the scientific and technological system capabilities and risk control capabilities of banks, the timetables of banks are not uniform.