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The most stringent bank customer information verification work in history is opened.

May 15, 2019 02:53
Author: Mao Yu Zhou

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Summary
[The most stringent bank customer information verification work in history has opened the mobile phone number to repeat too many will stop business] Recently, a number of banks collectively announced that they will carry out customer personal information verification work. Unlike the past, this verification information includes name and gender. , nationality, occupation, contact number, contact address (home address or work address), identity card type and number, and validity period of the certificate. Verification of the information is the most stringent in history. (Securities Daily)

Recently, manybankCollective releaseannouncementIt is said that the verification of personal information of customers will be carried out. Different from the past, this verification information includes name, gender, nationality, occupation, contact number, contact address (home address or work address), ID card type and number, and validity period of documents. . Verification of the information is the most stringent in history.

a joint-stock businessbankCredit card center people told the "Securities Daily" reporter that the investigation was mainly conducted for suspected customers.bankResponding to the improvement of personal information by means of posting text messages to these customers will be provided. If the customer does not cooperate with the perfect information, there will be a series of measures to stop the related business.

Reporters from manybankI was informed that the large-scale investigation began in March and started.bankSystematic verification of suspected customers in their own customers does not involve all customers. And because of eachbankThe difference between science and technology system capability and risk control capability is large.bankThe timetable is also not uniform.

  Mobile phone number is required to submit a reasonable explanation

  Shanghai Pudong Development BankThe announcement stated that it is in accordance with Article 16 of the Anti-Money Laundering Law of the People's Republic of China, Article 19 of the Measures for the Administration of Customer Identification and Customer Identity and Transaction Records of Financial Institutions (hereinafter referred to as “Administrative Measures”). Laws and regulations stipulate that the verification of personal customer identity information will be carried out, and the information verification content includes non-conventional information such as occupation.

In fact, in the past two years,bankFor the strengthening of account management and control, in accordance with the requirements of Article 19 of the Administrative Measures, financial institutions shall adopt continuous customer identification measures during the period of business relationship with customers, paying attention to customers and their daily business activities and financial transactions. In case, promptly prompt the customer to update the information.

PreviousbankFor customer identification, it mainly relies on physical information such as ID cards, and related cleaning and rectification has been continued.bankIt is more stringent to verify the information of suspected customers on a large scale.

  Shanghai Pudong Development BankSaid that if the information cannot be filled in as required,Shanghai Pudong Development BankFrom June onwards, measures will be taken for accounts under the customer name where the retained identity information is incomplete or untrue, until the customer updates the information and is verified by the credit card center. The measures include stopping the acceptance of the redemption points demanded by the customer; prohibiting the customer from transferring or withdrawing the non-face-to-face payment; not adding or increasing the credit line; not handling the cash instalment business; reducing the credit card quota.

GuangfabankThe verification of customer information has also added a lot of content. GuangfabankThe customer service told the reporter that the main purpose is to keep the same mobile phone number in different names, in order to ensure the security of the card and prevent one person from illegally controlling multiple sheets.bankThe phenomenon of the card occurs.

In addition, the customer isbankIf you open a Class I account and result in more than one Class I household, you must bring your valid ID card and relevant account information to the outlet for downgrade or cancellation, and only one Class I household. GuangfabankCustomers are required to submit information by May 17 or they will stop related financial services.

Our reporter from a number ofbankI was informed that the large-scale investigation began in March and started.bankSystematic verification of suspected customers in their own customers does not involve all customers. And because of eachbankThe difference between science and technology system capability and risk control capability is large.bankThe timetable is also not uniform.

Overall, state-owned big banks and joint-stock businessesbankSince April, financial services for customers who have expired ID documents have been discontinued. The adjustment period given by city commercial banks and rural commercial banks has been long. For non-compliant customers, the related services have not been stopped immediately.

According to the requirements, financial institutions should understand the sources of funds, the use of funds, the economic status or the operating status of high-risk customers or high-risk account holders, and strengthen the monitoring and analysis of their financial trading activities. If the client is a foreign politician, the financial institution should take reasonable measures to understand the source and use of the fund. If the customer's previously submitted identity document or identity document has expired, and the client has not updated within a reasonable period of time and has not given reasonable reasons, the financial institution shall suspend business for the client.

  Illegal cross-border real estate speculation stocks risk

In addition to strict account security, there are multiple tips for illegal trading risks that may be involved in the account.bankRelevant announcements have also been issued.

  bankThe risk warning shows that the foreign exchange deposit transaction is currently not approved through the online platform; domestic individuals cross-border overseas purchases and directly cross-borderStock investmentThe related foreign exchange business belongs to the capital project business and is managed according to the process of convertibility. Directly or indirectly carry out and participate in the above-mentioned related foreign exchange business, suspected of violating the rules. Please raise awareness of risk prevention and guard against property damage.

  CITIC BankIn the announcement, some online platforms and intermediaries are engaged in illegal foreign exchange deposits (also known as foreign exchange margins, which generally refer to customers investing a certain amount of funds as margin, and conducting foreign exchange transactions within an expanded investment amount according to a certain leverage multiple). Domestic cross-border overseas real estate speculation activities have seriously disrupted the financial market order. Individual platforms are even suspected of financial fraud, resulting in loss of public property.

According to the reporter, at present, the formal channels for individuals to invest in overseas securities include Shanghai-Hong Kong Stock Connect, Shenzhen-Hong Kong Stock Connect, and qualified domestic institutional investors (QDII), individuals in a specific area directly invest in overseas securities markets, etc., while some Internet sites provide unrestricted purchases of Hong Kong stocks and US stocks without capital guarantees and legal guarantees.

(Article source: Securities Daily)

                (Editor: DF380)

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