Legal analysis: CBRC will not supervise personal accounts. If you receive a text message or a phone call saying that the funds in your account have been frozen and need to be unfrozen, it is deceptive. Users can know the status of their accounts by calling the bank customer service. Even banks can't freeze user accounts at will, and only judicial organs can freeze user accounts.

Legal basis: Article 242nd of the Civil Procedure Law of People's Republic of China (PRC), if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform.