Id expires, bank Zhang date is traded by break down! Much home bank begins individual identity infor

" daily economy news " the reporter notices, much home bank and credit card center release announcement to say to will begin information of individual client identity to check the work. The limits that need checks includes: Ground of full name, sexual distinction, citizenship, profession, abode perhaps works phone of unit address, connection, identity document or the sort of identification file, number and certificate period of validity.

"Bank obligate information and client identity information not agree with, future of meeting influence client conducts other business. " at the same time, customer service of industrial and commercial bank tells a reporter, before already break down a certificate expires of account trade.

Net of official of industrial and commercial bank shows, about fact of individual bank account to implement superintendency department further the name makes the relevant demand such as management, safeguard depositor to close right increase, wash money way and client identity to identify concerned provision instead according to our country, should begin information of individual client identity to check the work soon. The limits that need checks includes: Ground of full name, sexual distinction, citizenship, profession, abode perhaps works phone of unit address, connection, identity document or the sort of identification file, number and certificate period of validity.

Customer service of industrial and commercial bank tells a reporter, the information of individual client identity of bank obligate maintains authenticity and effectiveness, if information of individual client identity was updated, bank obligate information and client identity information not agree with, future of meeting influence client conducts other business.

In the meantime, net of official of industrial and commercial bank is mentioned, rose on April 1, 2019, the basis " People's Republic of China washs money way instead " the 16th, " identity of financial orgnaization client identifies and client identity data and trade the record saves administrative measure " (the following abbreviation " administrative measure " ) wait for relevant provision the 19th times, not complete to the identity information existence in labour travel keep, truthless the break down of account of client under one's name that waits for a circumstance offers finance to serve.

The reporter browsed " administrative measure " , among them the 19th points out, "During putting add with the client's business relation, financial orgnaization ought to adopt persistent client identity to identify measure, attention client reachs his to manage activity, finance to trade daily circumstance, timely reminder client updates material information. Timely reminder client updates material information..

Notable is, " administrative measure " holder of account of high perhaps risk puts forward client of high to financial orgnaization management risk to ask higher. " administrative measure " point out the 19th times, holder of account of high perhaps to high risk client risk, financial orgnaization ought to understand use of its financing source, fund, economic atmosphere to perhaps run the message such as the state, strengthen pair of its finance to trade the analysis of the activity that monitor. The client is foreign high official, financial orgnaization should adopt logical step to understand its financing source and use.

Besides influential to did not conduct business outside, customer service of industrial and commercial bank tells a reporter, before already break down a certificate expires of account trade.

Besides industrial and commercial bank, riverside sent center of bank credit card to also issue announcement.

Riverside sends center of bank credit card to say, since June, my center will exist to keep identity information not complete, truthless the account of client under one's name that waits for a circumstance takes following step, till the client replaces news and via check of my center nucleus: (1) stop to accept what the client initiates actively to change integral requirement; (2) prohibit the client is not face-to-face excessive pay money turns piece, take out; (3) do not grant to be added newly or increase the forehead that give a letter to spend; (4) do not grant to handle each ready money kind in installment business; (5) reduce credit card forehead to spend.

Besides two afore-mentioned banks, the reporter waits for net of official of much home bank to all discover the announcement that checks the work about developing information of individual client identity in saddle hill bank, Tang Shan bank.

In fact, 2018 Chinese people bank (the following abbreviation " the Central Bank " ) print and distribute " about checking invalidation dweller Id information is mixed information of blame dweller identity document is pilot working announcement " .

Central Bank chief says, pilot job is deploy of conference of job of conference of job of the 19 great mind that people bank fulfils a party, central economy and banking of the 5th whole nation, uphold economic finance order, be on guard financial venture, assistance hits the significant move of illegal crime activity, right cogent fulfil bank account real name to make a sense great. It is to be helpful for real name of account of farther tamp bank controlling a base, for the bank authenticity of information of identity document of dweller of effectiveness of Id of the dweller that check, blame provides convenient, significant measure. 2 it is to be helpful for be on guard unit and individual are opened an account by illegal member go under sb else's name, because of,decrease anonym, faceless open an account the economic issue that create and loss, defend safety of social community capital. 3 it is to be helpful for keep within limits using bank account to be engaged in telegraphic network bilk, wash money, steal money of dodge a tax to wait for illegal crime activity, uphold normal economic finance order.

Be worth what carry is, during putting add with the client's business relation, financial orgnaization should fulfill client identity to identify obligation continuously. Among them, financial orgnaization should pay close attention to a client continuously to reach its to manage activity and finance to trade daily circumstance, client of timely reminder updates material information.

The reporter notices, last year, subbranch of a bank of center of Taiyuan of Chinese people bank undertakes information of invalidation dweller Id checks pilot work. Up to in November 2018 end, bank of construction of Shanxi province Industrial and Commercial Bank of China, China, Bank of China 3 pilot travel 780 sites, information of Id of coexist buy dweller checks invalidation information 6588, among them, deal with 331 directly, continue to deal with 3084, suffer be restricted to deal with 606, because of certificate report the loss of sth, attaint, blame full name or register a mistake and reject to deal with 2428, deal with 86 because of full name or number register a mistake and refusing, go under sb else's name rejects 3. Report information of Id of client invalidation dweller to check demur information 19 cases, deal with reply 9 cases.

Last year year end, whether does the Central Bank fulfill client identity to identify obligation to undertake checking by the regulation with respect to financial orgnaization. Among them, life-insurance Inc. Yi plows company of couplet of collaboration of credence of country of county of Inc. of commercial bank of Jiangxi Gaoan country, new source, sunshine the center raises a company to because did not press a regulation,fulfill client identity to identify obligation to be punished by administration.

The reporter learns from much home bank, be aimed at different message, different bank has different newer approach.

For example, client of industrial and commercial bank can update certificate period of efficacy through the following method:

1. passes mobile phone bank " my - setting - certificate period of efficacy is safeguarded " the column is dealt with, real time become effective;

2. carries effective identity document to be dealt with to aleatoric business site.

Need of period of efficacy of information of Id of client of the bank that enrol business needs newlier to log onto mobile phone bank only can. If Id full name or number change a need,carry one cartoon and effective Id to head for a site to deal with.

Customer service of wide hair bank tells a reporter, if the user gets this short message,tell an user the case that different full name manages keep blocking a person to be the same as skill engine order goes through dialing this the phone can be updated.

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