If the mobile phone number is duplicate, a reasonable explanation shall be submitted.
According to the announcement of Shanghai Pudong Development Bank, according to Article 16 of the Anti-Money Laundering Law of People's Republic of China (PRC) and Article 19 of the Administrative Measures for Customer Identification and Customer Identity Data and Transaction Records of Financial Institutions (hereinafter referred to as the Administrative Measures), the identity information of individual customers will be verified, including unconventional information such as occupation.
Previously, banks mainly relied on physical information such as ID cards for customer identification, and related clean-up and rectification have been going on. This time, banks are more strict in verifying suspicious customer information on a large scale.
Shanghai Pudong Development Bank said that if the information cannot be completed as required, Shanghai Pudong Development Bank will take measures for accounts with incomplete or untrue identity information under the customer's name from June until the customer updates the information and is verified by the credit card center. Measures include stopping accepting customer-initiated demand for redemption points; Prohibit customers from transferring money or withdrawing non-face-to-face overpayment; Not to increase or increase the credit line without authorization; Not to handle all cash installment business; Reduce the credit card limit.
The customer information verification of Guangfa Bank has also increased a lot. For example, if the customer's contact number is repeated by many people, the customer must bring his valid ID card and valid mobile phone to the bank outlet to verify or submit a reasonable explanation. If the above information is not submitted, the bank will suspend the counter business of the account.
In addition, if a customer opens a new first-class account in a bank, resulting in more than one first-class account under his name, he/she must bring his/her valid identity certificate and relevant account information to the outlet for demotion or cancellation, and only one first-class account is kept. CGB requires customers to submit information before May 17, otherwise related financial services will be stopped.
Generally speaking, state-owned banks and joint-stock commercial banks have stopped providing financial services to customers with expired identity documents since April, while the adjustment period given by city commercial banks and rural commercial banks is longer, and they have not stopped related services immediately for non-compliant customers.
According to the requirements, financial institutions should know the source of funds, the use of funds, economic conditions or operating conditions of high-risk customers or high-risk account holders, and strengthen the monitoring and analysis of their financial transactions. If the customer is a foreign politician, financial institutions should take reasonable measures to understand the source and use of their funds. If the identity certificate or identity certificate previously submitted by the customer has expired, and the customer fails to update it within a reasonable period of time without giving a reasonable reason, the financial institution shall stop handling business for the customer.
Illegal cross-border real estate speculation is risky.
In addition to strictly checking the security of accounts, a number of banks have also issued relevant announcements on the risks of illegal transactions that may be involved in accounts.
The bank risk warning shows that the current foreign exchange deposit transaction through the online platform has not been approved; Domestic individuals purchase houses across borders and directly invest in cross-border securities. The related foreign exchange business belongs to the business under capital account, which is managed according to the convertible process and has not been clearly opened yet. Directly or indirectly engaging in or participating in the above-mentioned related foreign exchange business is suspected of violating the rules. Please raise awareness of risk prevention and guard against property losses.
In the announcement, CITIC Bank pointed out that some online platforms and intermediaries engage in illegal foreign exchange deposits (also known as foreign exchange deposits, which generally means that customers invest a certain amount of money as deposits and conduct foreign exchange transactions within an expanded investment quota according to a certain leverage ratio), and promote domestic individuals' cross-border overseas real estate speculation and stock speculation activities, which seriously disrupts the financial market order. Individual platforms are even suspected of financial fraud, causing property losses to the public.
(Editor Shangguan Menglu plans Xu Tianxiao)