The central bank puts forward 16 suggestions for improving services to do a good job in personal bank account services such as mobile employment groups
Xinhua News Agency, Beijing, September 30 (Reporter Wu Yu) On the 30th, the People’s Bank of China issued guidelines on how to do a good job in personal bank account services for mobile employment groups and other personal bank account services, and put forward 16 service improvements for the pain points and difficulties of account opening. The relevant person in charge of the People’s Bank of China stated that it will continue to promote the establishment of a high-level bank account service system that is compatible with my country’s economic development, and make it the norm for customers to facilitate bank account business.
Recently, migrant employment groups in some places have reported that various certification documents are required to open an account in a commercial bank, and there are problems such as difficulty in opening an account with a personal salary card. To this end, the People’s Bank of China has researched and formulated the “Guiding Opinions on Doing a Good Job in Bank Account Services for Mobile Employment Groups and Other Individuals.”
The opinion proposes to make full use of existing personal bank accounts to pay salaries. Individuals shall not be compelled to open new bank accounts in the bank due to salary payment or other reasons, and the opening of personal wage accounts shall not be used as a prerequisite for the opening of bank settlement accounts by units.
The opinion also proposes to optimize the personal bank account opening process. Under the premise of controllable risks, banks can provide simple account opening services for individual customers such as mobile employment groups as appropriate, simplify the requirements for auxiliary identification materials, and strengthen background data verification.
According to the relevant person in charge of the People’s Bank of China, since 2021, various localities have successively explored the development of simple personal account opening services, and the implementation effect has been good. It has not only facilitated personal bank account opening, but also effectively prevented criminals from using bank accounts to transfer illegal funds.
In addition, the opinions proposed to establish a long-term mechanism for personal bank account services, establish a classification and hierarchical management system for personal accounts, take control measures for fraud-related gambling accounts, and improve the account service supervision mechanism.
“Since 2021, a number of commercial banks have implemented hierarchical and classified management of bank accounts, and promoted the realization of facilitation services for normal customers through continuous improvement of risk identification capabilities.” Classified and hierarchical management also provides convenience for customers to protect their own funds. Individuals can set mobile banking or online banking transaction limits and identity verification methods according to their needs. Once personal bank account information and passwords are stolen by others, it can be effective Protect the safety of funds.
.