At present, the four major state-owned banks of industry, agriculture, China and China Construction have announced that the same customer can only open a Class I account from 20 16 12 1. Among them, CCB, ABC and BOC all indicated that users who have opened Class I accounts can only open Class II or III accounts if they want to open new personal accounts.

The Notice on Preventing and Combating Telecommunication Network Fraud jointly issued by the Central Bank and other six ministries and commissions was officially implemented from 20 16 12 1, requiring classified account management and strengthening account opening management. According to the regulations of the People's Bank of China, individual bank settlement accounts are divided into Class I bank accounts, Class II bank accounts and Class III bank accounts. Each type of account corresponds to different functions and limits.

All banks indicated that the existing bank accounts were not affected and could still be used normally. However, the four major state-owned commercial banks have indicated that they will clean up their personal bank accounts. The clean-up measures are mainly aimed at users who have multiple accounts in the same bank. There are not a few such users, and most of the personal accounts in stock are Class I accounts.

The four major state-owned commercial banks all indicated that if five or more first-class bank accounts have been opened, users are advised to confirm the account information at any branch of the bank with their valid identity documents as soon as possible. At the same time, the bank will provide users with account consolidation and invalid account cancellation services.

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In addition to adjusting the criteria for opening an account, the central bank also put forward the rules for opening a bank account smoothly. It requires that the bank should suspend the counter business of an account with no transaction record within 6 months from the date of opening the account, and the payment institution should suspend all business of the account.

Requirements refer to six months from the second day of account opening, not six months in any intermediate period after account opening. For bank accounts that have been used for a period of time, if there is no transaction for 6 months, it will not be affected.

Even if measures are taken because there is no transaction for six months, the bank will not freeze the account, but only suspend the business of online banking, mobile banking, ATM machines and other non-counter channels, and the account can still be used normally at the bank counter.

Phoenix. com-Personal Bank Account Slimming The same bank can only open a full-featured account.