1. When closing the account, use the unit's non-operating income or abnormal channel income for repayment or early repayment. The bank should investigate the source of repayment funds and whether there is any suspicious situation.

2. Explain to the customer that the source of loan repayment or the borrower's assets are inconsistent when closing the account. Banks should investigate the relationship between the source of repayment funds and the ownership of borrowers.

3. When canceling the account, other units or others should pay attention to investigating whether the loan has been misappropriated.

Self-discipline mechanism of national foreign exchange market

Article 1 In order to prevent the compliance risk of foreign exchange business of banks, promote the implementation of the Regulations of People's Republic of China (PRC) on Foreign Exchange Management, unify the principles and standards of foreign exchange business exhibition of banks, improve the authenticity audit and maintain fair competition in the market, the Principles of Foreign Exchange Business Exhibition of Banks are formulated under the framework of the Convention on Foreign Exchange Business Exhibition of Banks.

Article 2 The general framework of the Principles for Banks to Conduct Foreign Exchange Business includes the general provisions and norms for conducting foreign exchange business. General rules are the general requirements that banks should abide by when handling foreign exchange business. The foreign exchange business exhibition standard is a special requirement for banks to abide by when handling various specific foreign exchange businesses.

Article 3 The connotation of the exhibition principle and the principle of outward expansion refer to the principles of "know your customer", "know your business" and "due diligence" that banks should follow when handling foreign exchange business for customers, including taking effective measures to investigate customer background, due diligence to investigate the authenticity and compliance of transactions, and handling foreign exchange business prudently.

Article 4 "Know Your Customer" means that when establishing foreign exchange business relations with customers or handling foreign exchange business for them, banks use reliable and independent documents, data or information to identify and verify customers, conduct due diligence on customers' backgrounds, and classify customers according to risk levels.

Article 5 The meaning of "knowing the business" means that a bank obtains information about the nature and purpose of the business from customers or third parties, and when necessary, obtains information about major counterparties, transaction links, sources and destinations of funds, so as to judge the authenticity and compliance of the transaction.

Article 6 Due diligence refers to that when a bank establishes an initial business relationship with a customer and during the existence of the business relationship, it takes measures to review all transactions handled by the customer and form an overall judgment to ensure the authenticity and compliance of the transactions.

Article 7 Exhibition industry is the basic requirement for banks to handle foreign exchange business. We should adhere to the progressive logic of authenticity, compliance and prudence to carry out due diligence review, and earnestly implement the principle requirements of foreign exchange business exhibition industry of banks. Banks shall not lower their due diligence standards due to the pressure of business indicators, nor shall they fail to perform the authenticity audit responsibility because of the low risk exposure of foreign exchange business.

Article 8 When a bank implements the exhibition industry, it shall implement the principle of exhibition industry through three links: before, during and after the event. Including customer background investigation in advance, business audit during the event, continuous monitoring after the event, information retention and reporting.