1 thought on ““Sleep Card” cleanup will increase”

  1. The “Sleep Card” cleanup will increase
    The “Sleep Card” cleanup will increase. Since last year, many banks such as Everbright Bank and CITIC Bank have issued a notice saying that “sleep that does not comply with norms that do not comply with norms “Account” and the “over -amount account” in the same customer name are cleaned up. “Sleep Card” will increase its cleanup.
    “Sleep Card” cleaning up will increase 1 from scale war to precise cultivation. A rectification work for the “sleep” credit card is being carried out.
    “China Business Daily” reporter noticed that the recent announcement of China Postal Savings Bank (hereinafter referred to as the “Postal Savings Bank”) has issued an announcement to adjust the number of customers holding a credit card machine at the bank. Industry insiders pointed out that in the future, it is expected that banks may increase the cleanliness of the “sleep card” or improve the activity of the “sleep card”.
    In December 2021, the China Banking Regulatory Commission issued the “Notice on Further Promoting the Standardous Healthy Development of Credit Card Business (Draft for Soliciting Opinions)” (hereinafter referred to as the “Notice”). The quantity, number of customers, market share, or market ranking are used as a single or main assessment indicator.
    This research expert Dong Yan, a senior credit card research expert, said that in the era of fine cultivation, banks face the “narrow and crowdfunding” market that likes to be more segmented, and Tuoke may increase bank costs. Docking high -frequency and high -frequency customers to enhance product returns.

    C clearance “Sleep Card”
    A few days ago, the postal savings bank issued an announcement saying that in order to better guarantee the security of customers’ cards, it is intended to have the number of holdings of credit cards from February 16, 2022 The following adjustments: The upper limit of the number of valid cards held by the same customer on the bank is 5 (including 5). If the upper limit has reached the upper limit, the new card will not be successfully applied. The customer can use the card to sell it. The number of valid cards is reduced to less than 5 (excluding 5 pieces), and try again.
    Themail banking is not the first bank to hold the number of credit card cards in its own bank.
    “Too large number of credit cards in the same bank will not only increase the redundancy in the bank management process, but also bring potential fraud and credit risks.” In terms of level, to issue multiple credit cards or loan cards to customers to pursue the amount of card issuance, which not only causes waste of resources, generates unnecessary management costs, but also increases the burden of computing power to the huge bank background management system; The number of cards in multiple cards increases the possibility of being used by criminals, and the risk of potential credit card fraud increases; in addition, the possibility of credit card capital flowing to improper fields also increases.
    “In the past, when banks designing credit card products, the situation of” shooting head “often appeared. It is a good choice to pay attention to the fan effect. It is not all hotspots and topics. Chasing. “Dong Yan believes that when designing products, some banks make” taken for granted “and sometimes do not meet the actual needs of customers. Condition.
    The blind pursuit of scale effects and market share for some banks, the prominent issuance of card issuance and repetitive card issuance, leading to disorderly competition and waste of resources. The “Notice” requires that no customer actively trades for more than 18 consecutive months and currently overdraw the overdraft The number of long -term sleep credit cards with a balance of balance and overflow accounting for the total number of cards for the total issuance of the institution shall not exceed 20%at any time.

    In the question of reporters, the person in charge of the relevant departments of the CBRC said that in the future, it will also dynamically reduce the ratio of long -term sleep credit card ratio restrictions, and constantly urge the industry to reduce the proportion of sleep cards to a lower level.
    “In fact, the concept of fine cultivation has been mentioned within the bank for many years.” Some people from the Credit Card Center of a certain city of commercial banks told reporters that in the past Factors such as banking industry, so that banks pay more attention to expansion scale, and do not pay attention to the improvement of deep mining, product business capabilities and comprehensive service capabilities. Nowadays, while consumers have increased the demand for credit products, the requirements for service levels have increased, and high growth is unsustainable under extensive business concepts. The credit card industry will be transferred to high -quality development tracks.
    “In addition, in recent years, in order to seize the huge personal credit consumer market, banks are pursuing the scale of card issuance. The extensive development has led to the weak growth of credit cards and the decline in asset quality.” Compared with 2017, the growth rate decreased by more than 20 percentage points. The total number of unpaid credit or overdue of credit cards overdue for half a year of overdue or over -affordable was severely affected by the end of 2020.
    “From the perspective of the consumer level, in the case of the lack of long -term regulatory mechanisms in the credit card business, chaos in industries such as repeated card issuance and over -crediting may lead to infringement of consumer rights and even harm to personal credit, and it is urgent to supervise and correct. According to the statistics of the Consumer Rights Protection Bureau of the CBRC, more than 50%of the issues reflected by the banking consumer complaints received by the Banking Insurance Regulatory Commission and its dispatched institutions are concentrated in credit card business. Enhancement, on the other hand, it reflects the loss of the development of the credit card business. “Li Yilin said.
    The accurate extension “narrowing” market
    “In the past, the bank likes ‘big households’, a big customer can even eat” for some banks for a year or two. ” Talking, “Now not only must not only ensure risk management under the premise of compliance, but also meet the multi -faceted financial needs raised by customers, upgrade customer experience and consumer rights protection.”
    Li Yilin also pointed out that the current banks also pointed out that the current bank The industry generally regards the retail business as the point of intensity to cope with market competition and transforms the traditional business model. The credit card business is an important part of it. The next step will continue to strengthen the service of the real economic attributes and pursue refined and high -quality development.

    Li Yilin believes that in the next step, banks must continuously improve their business norms, reverse the development model of excessive sending cards and excessive credit, and establish science from the perspective of banks, customers, and social credit management systems. Long -term compliance development strategy and internal assessment system; improve the transparency of credit card interest fees, and promote the reasonable decline in interest rates based on the degree of information asymmetry; strengthen interaction with the overall retail lines of the bank, enhance the richness of consumer scenarios and customer activity ; Properly set up business calm periods to prevent excessive consumption, improve trading health and consumer satisfaction.
    In a person from a bank credit card center told reporters that in the era of refined cultivation, banks need to break through from various aspects such as customer acquisition, customer operation, and central and platform construction. “In terms of customer acquisition, it is necessary to strengthen the group acquisition of young and high -quality customer bases, high net worth customer bases, and business passenger groups, strengthen scene -based customers, and collaborate on multiple channels; , Customers, scenarios, data and services are closed -loop operation; in terms of refined operations with Zhongtai construction as the core, data -driven and scenario operations must be strengthened, and Digital business Zhongtai and Data Zhongtai should be strengthened. Efficiency lays a solid foundation. “
    ” Today, especially the preferences of young customer bases are becoming more and more segmented, and the crowd corresponding to each interest will be distributed less and less. In the future It will be the “narrow public” market. “Dong Yan talked, the expansion of the” narrow public “market may increase the cost of banks, but ‘eating’ means that they can be eaten. In the market, bank products must bring high returns, which requires customers’ high -frequency and high living characteristics.
    “Sleep Card” cleanup will increase. , During the transfer, the bank card status is abnormal? If so, your bank card may be included in the scope of cleaning. On the 8th, the reporter interviewed and learned that ICBC issued an announcement that it will gradually implement the account function adjustment of personal bank accounts such as long -term do not move for a long time. . In the past, the account balance was zero may be attributed to sleep accounts, and this cleaning stipulated that the account balance of less than 10 yuan will also be included in the sleep account. Since last year, there have been many banks such as Everbright Bank and CITIC Bank. A notice has been issued one after another that the “sleep account” that does not meet the norms and the “excess account” under the name of the same customer. The above (including three years) has no customer active transaction, and the balance of the current account account is less than 10 yuan. The accounts that have not signed credit cards, personal loan repayments and other payment agreements are included in the scope of this investigation and cleanup of Industrial and Commercial Bank of China. N In addition, individuals open multiple settlement accounts to meet the same customer names under the name of the same customer, and do not explain the situation of using multiple accounts on the use of multiple accounts at the Industrial and Commercial Bank of China business outlets. Adjustment to only acceptance. If the user’s account is within the scope of the “long -term” bank account investigation, and hopes to continue to use it, a active account transaction must be completed before January 10, 2022, which is deemed to be activated account. The accounts that are not activated within the time limit will be adjusted to its account function to only accept it.

    The definition of the Bank of Communications for the “long -term” personal bank account is close to the Industrial and Commercial Bank of China. Three years) No account transactions, the account balance is 10 yuan (inclusive) and below, and the personal bank accounts that have not signed credit cards, personal loan repayments and other payment agreements will be suspended, including transfer, withdrawal, and consumption. , Online payment and other active account transactions.
    since last year, many banks have issued an announcement of cleaning up sleep accounts, and Ping An Bank and Industrial Bank have also released The announcement of the announcement of the stock account includes “one person and multiple accounts” and “long -term non -accountable”. Recently, financial institutions such as Anshan Rural Commercial Bank, Haicheng Rural Commercial Bank, Xiuyan Rural Commercial Bank, Tai’an Agricultural Credit Co., Ltd. and other financial institutions have started the clean -up work of multiple categories Ⅰ households in accordance with the work of the Rural Credit Cooperation of Liaoning Province.
    If the cardholders’ settlement account is restricted to transaction, you can hold your valid identity documents, bank card (fold) to any outlets of banks for rationality explanation, relegation and account sales processing. It is understood that cleaning up abnormal accounts can improve the efficiency of account resources, facilitate banks to be more refined management, and prevent risk of fraud. For individual users, it can also prevent fraud by telecommunications and guarantee funds.
    The “Sleep Card” cleanup will increase. Recently, Industrial and Commercial Bank of China issued a notice on the investigation of personal bank accounts such as “long -term”, “one person and multiple households”. Bank cards have now become important items for people, and many people even open multiple bank cards in different banks. The reporter learned that in order to facilitate the cardholder to inquire about the bank cards that have not been used for a long time and sell the account in time, UnionPay and Commercial Bank rely on the banking industry unified app Cloud Pay to open the “one -click card check” service. This year, it is expected to be in Guangzhou this year. roll out.
    The banks continue to carry out the “sleep card” cleanup
    According to the announcement, ICBC will continue to carry out the investigation of personal bank accounts such as “long -term” and “one person and multiple households”. Among them, the scope of the investigation is a long -term bank account. As of January 10, 2022, no customer active transactions have occurred for more than three consecutive years (including three years). The balance of the current account is less than 10 yuan. The account function adjustment of repayment and other collection and payment agreements is adjusted to only acceptance.

    It reports that individuals open multiple settlement accounts, hold more than 4 personal settlement accounts in the same customer, and do not explain the reasonable explanation of the situation of multiple accounts using multiple accounts at ICBC business outlets , Its account function is also adjusted to only collect or not. ICBC stated that telecommunications fraud high -risk areas can visualize the needs of the “break -off operation”, adjust the scope of investigation, and announce it through channels such as business outlets according to local regulatory requirements. The inspection time will be gradually implemented in accordance with the above investigation scope from January 11, 2022.
    It to ensure that the account holding the account is exempted from affected, such as the customer’s account within the scope of the “long -term” bank account investigation, and hope to continue to use it, it should be completed by January 10, 2022 (including deposit trading (including deposit depository (including deposit Active active account transactions such as withdrawal, transfer, transfer, consumption, payment, etc., do not include the active account transactions initiated by non -customers such as interest -settings, query, judicial frozen, judicial deduction, etc., and are deemed to be activated accounts Essence The accounts that have not been activated within the time limit are based on the announcement of the announcement. Customers can log in to mobile banking (“account/my account-more-lift restrictions”) or the intelligent terminal and counter in any business outlets to verify the identity of the account to solve the function of the account.
    In addition to the ICBC, the reporter learned that the Bank of China also issued an announcement at the end of December 2021 that there will be no transactions for the past three years (inclusive), the balance is less than 10 yuan (RMB), and the same one Customers open multiple settlement accounts, that is, 4 (excluding) or more accounts held under the name, conduct investigations, and suspend financial services to the above accounts in accordance with regulatory regulations.
    IND Cloud Flash Payment APP can “one -click to check card”
    The bank card has now become an important item for people. Many people even open multiple bank cards in different banks. Many cardholders have such confusion. How many bank cards have they opened in their names? Which banks are opened?

    In order to facilitate the public’s directly grasped the bank card information in personal names, China UnionPay and Commercial Bank rely on the banking industry unified app cloud flash payment to open the “one -click card check card” service to support the cardholder to check that itself is in A number of bank cards are opened and used under the name of a number of banks to facilitate cardholders to inquire about their long -term unused bank cards and timely sell accounts to prevent personal bank cards from being used by criminals for telecommunications network fraud or cross -border gambling. criminal activities.
    In December 20, 2021, the function of the Yun Flash App “One -click Card Checking Card” function has taken the lead in opening trials to users in Shanghai and Yunnan. The first batch of pilots participating in the “one -click card” of Yunli Payment included 14 commercial banks including Industrial and Commercial Bank of China, Agricultural Bank, Bank of China, and Construction Bank. As the pilots are gradually improved and promoted, more commercial banks will be added in the future.
    It reports that users can query the number of bank cards, bank names, borrowing attributes, and the top 4 rear 4 digits of the card number in the number of commercial banks under the “one -click card” service. At present, the “One -click Check” service of the Cloud Flash Pay App has operated well. As of December 29, 2021, a total of 110,000 bank card query reports have been successfully generated. After the application is successful, the Cloud Flash Pay App will generate a query report within 24 hours according to the feedback results of various commercial banks. After the report is generated, the mobile phone SMS will be sent to remind users to view. The user query the page through the cloud flash payment app to check the bank card held in the name.
    It is reported that the “one -click card check” function is expected to be launched in Guangzhou this year.

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