重要通知！有工行建行农行等银行卡的人，请马上看
<div class="wx_rich_media_content" id="jsWxContainer"><p style='max-width: 100%; min-height: 1em; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><br></p><section data-role="outer" label="Powered by 135editor.com"><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>继建行、农行、邮储等大行之后，</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>近期一批中大型银行陆续发布</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>“睡眠账户”大清理公告，</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>其中就包括了工商银行。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'><br></span></strong></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'><br></span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>工商银行表示，今年7月起将对用户长期不用的个人银行账户（借记卡和活期存折）开展清理工作。此外，包括光大、中信、平安、兴业、广发等股份行的清理行动也进一步展开。</span><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>记者梳理发现，</span></strong><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>银行主要清理账户余额低于10元且长期未发生交易的“睡眠账户”，以及个人在同一银行开立超出监管规定数量的账户。</span></strong></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'><p style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'><br></p></strong></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>不过，各银行清理的类型和标准并不一致，部分银行二者均会清理，而有的银行只清理其中一种。值得注意的是，</span><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>清理账户并不意味着直接销户</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>，有的银行对于满足相关条件客户个人账户进行销户，而部分银行仅是限制交易功能，若有需要仍可通过激活重新使用。</span></section><section data-role="outer" label="Powered by 135editor.com" style='max-width: 100%; letter-spacing: 0.544px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="103817" style='max-width: 100%; box-sizing: border-box !important;'><section style='margin: 10px auto; max-width: 100%; text-align: center; box-sizing: border-box !important;'><section style='max-width: 100%; display: inline-block; box-sizing: border-box !important;'><section data-brushtype="text" style='margin-left: 8px; max-width: 100%; text-align: left; letter-spacing: 1.5px; color: rgb(239, 235, 232); font-style: italic; box-sizing: border-box !important;'><br style='max-width: 100%; box-sizing: border-box !important;'></section><section data-width="92%" style='box-sizing: border-box; margin-left: auto; max-width: 100%; width: 229.844px; height: 6px; background-color: rgb(240, 235, 229); overflow: hidden;'><br style='max-width: 100%; box-sizing: border-box !important;'></section><section style='max-width: 100%; display: flex; box-sizing: border-box !important;'><section data-brushtype="text" hm_fix="306:350" style='padding: 5px 15px; max-width: 100%; box-sizing: border-box; letter-spacing: 1.5px; color: rgb(255, 255, 255); background-color: rgb(199, 184, 161);'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>新增多家银行清理异常账户</span></strong></section><section style='max-width: 100%; display: flex; box-sizing: border-box !important;'><section style='box-sizing: border-box; max-width: 100%; width: 6px; height: 31.4375px; background-color: rgb(240, 235, 229); overflow: hidden;'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section></section><section data-role="paragraph" style='max-width: 100%; box-sizing: border-box !important;'><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><br></p></section></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>工商银行</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>5月7日发布《关于清理长期不动个人银行账户的通告》显示，将于2021年7月起实施长期不动个人银行账户清理工作。清理范围为，截至今年6月30日，凡连续三年以上（含三年）未发生客户主动交易，账户余额为零，且未签订信用卡、个人贷款还款及其他代收代付协议的账户（借记卡和活期存折，下同），其账户功能将调整为非柜面业务只收不付。其中金融社保卡、军人保障卡等特色账户不纳入清理。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>5月6日，</span><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>光大银行</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>公告称，近期该行会对个人睡眠账户、长期不动账户开展清理，重点从一人持有4张以上该行I类卡的情况开始梳理，广州医保卡、北京物业维修基金查询卡、长沙住房公积金查询卡等特殊用途卡种除外。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>光大银行对于“睡眠账户”的定义为“如果一张卡，两年无交易，账户余额为零，也没有要结的利息，没有存款明细和关联账户，没有办理基金、第三方存管、零售贷款、外汇买卖等业务，账户状态也正常的，就符合转为睡眠账户的条件。”</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>4月23日，</span><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>平安银行、中信银行、兴业银行</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>均发布清理存量账户的公告。其中平安、兴业的清理范围包括“一人多账户”和“长期不动户”，中信银行在此前清理睡眠账户后，此次主要针对的是超出规定数量的I类、II类和III类卡。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>而早在去年底今年初，已有多家银行发布类似公告。2月8日，</span><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>农业银行</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>发布公告表示，自3月10日起，将开展个人长期不动户的销户清理工作。清理范围为，三年以上（含三年）没有交易、主账户及子账户存款余额为0且没有其他关联业务的借记卡。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>1月5日，</span><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>建设银行</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>发布公告清理长期不动账户。根据公告，截至2020年10月31日的银行卡，如果连续三年以上（含三年），银行卡账户余额为0，且无任何交易记录，也就是未发生任何一笔存取款、转账交易的，将被纳入清理范围内。不过，军人保障卡、武警普卡、退役军人服务卡、金融社保卡和公积金卡等此类特殊银行卡，不在此次清理范围内。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>邮政储蓄银行</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>也在去年12月29日发布《关于开展个人存量异常账户清理工作的公告》，将于2021年6月30日(含)前逐步分批对同一客户名下个人结算账户超标准(即Ⅰ类户1个、Ⅱ类户5个、Ⅲ类户5个)数量进行清理。如账户存在上述情况，本人持有效实名证件，尽快到该行任意网点进行合理性登记、降级以及销户处理。逾期未清理的账户，该行将限制金融服务。</span></section><section data-role="outer" style='max-width: 100%; letter-spacing: 0.544px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="103817" style='max-width: 100%; box-sizing: border-box !important;'><section style='margin: 10px auto; max-width: 100%; text-align: center; box-sizing: border-box !important;'><section style='max-width: 100%; display: inline-block; box-sizing: border-box !important;'><section data-brushtype="text" style='margin-left: 8px; max-width: 100%; text-align: left; letter-spacing: 1.5px; color: rgb(239, 235, 232); font-style: italic; box-sizing: border-box !important;'>T</section><section data-width="92%" style='box-sizing: border-box; margin-left: auto; max-width: 100%; width: 201.562px; height: 6px; background-color: rgb(240, 235, 229); overflow: hidden;'><br style='max-width: 100%; box-sizing: border-box !important;'></section><section style='max-width: 100%; display: flex; box-sizing: border-box !important;'><section data-brushtype="text" hm_fix="306:350" style='padding: 5px 15px; max-width: 100%; box-sizing: border-box; letter-spacing: 1.5px; color: rgb(255, 255, 255); background-color: rgb(199, 184, 161);'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>为何清理“睡眠账户”？</span></strong></section><section style='max-width: 100%; display: flex; box-sizing: border-box !important;'><section style='box-sizing: border-box; max-width: 100%; width: 6px; height: 31.4375px; background-color: rgb(240, 235, 229); overflow: hidden;'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section></section><section data-role="paragraph" style='max-width: 100%; box-sizing: border-box !important;'><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><br></p></section></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>多家银行表示，针对相关账户的清理工作主要是为了落实监管要求，防范电信网络诈骗风险，保障客户账户资金安全。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>有银行业内人士告诉记者，</span><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>银行机构密集发布清理睡眠账户公告，是积极响应“断卡行动”，也是更好提升合规性防范风险。</span></strong></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>值得一提的是，2020年10月，一场全国性的“断卡行动”拉开序幕，对非法开办贩卖电话卡、银行卡违法犯罪进行严厉打击整治，坚决斩断电话卡、银行卡的买卖链条。断卡行动中，银行也全面加速清理异常银行账户。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>前述业内人士表示，当前电信网络诈骗持续高发的一大根源，是因为电话卡、银行卡的管理失控。大量“实名不实人”的银行卡、电话卡被骗子购买后实施诈骗，给警方的追查和打击带来巨大困难。因此，斩断电话卡、银行卡的买卖链条，就等于给骗子“断奶”，对于压发电诈案件具有特别重大的意义。作为银行账户的第一道防线，各大银行目前也在落实人民银行打击电信网络诈骗的相关要求。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>而实际上，银行开展清理“睡眠账户”的行动已实施多年。根据央行规定，自2016年12月1日起，同一个客户在同一银行只能开立一个I类账户的银行卡，如果已经有Ⅰ类户的银行卡，那么再开户时，只能开立Ⅱ、Ⅲ类账户的银行卡。随后，清理个人长期不动户成了多家银行的工作重点。农业银行、中国银行、招商银行、华夏银行等银行也都曾发布过类似通知，对同一存款人开户数量较多的情况进行清理。此外，除了加大对个人银行账户的清理力度外，银行也在加大对对公账户的整改。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>据央行公布的《2020年支付体系运行总体情况》显示，截至2020年末，我国共开立个人银行账户124.61亿户，同比增长10.43%，增速同比下降1.64个百分点，人均拥有银行账户数达8.9户。人均账户数量增多，但是其中有部分成为了睡眠账户，难以被有效利用，甚至让不法分子有机可乘，试图通过银行账户进行非法交易，获取不当利益。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section data-role="outer" style='max-width: 100%; letter-spacing: 0.544px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="102877" style='max-width: 100%; box-sizing: border-box !important;'><section style='margin: 10px auto; max-width: 100%; text-align: center; box-sizing: border-box !important;'><section style='padding: 7px; max-width: 100%; background-color: rgb(255, 249, 242); border-radius: 8px; box-sizing: border-box !important;'><section style='margin-bottom: -6px; max-width: 100%; display: flex; justify-content: space-between; align-items: flex-start; box-sizing: border-box !important;'><section style='padding: 2px; max-width: 100%; border-width: 1px; border-style: solid; border-color: rgb(254, 226, 191); border-radius: 100%; background-color: rgb(254, 226, 191); box-sizing: border-box !important;'><section style='box-sizing: border-box; max-width: 100%; width: 5px; height: 5px; background-color: rgb(255, 244, 232); overflow: hidden; transform: rotate(45deg);'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section><section style='padding: 2px; max-width: 100%; border-width: 1px; border-style: solid; border-color: rgb(254, 226, 191); border-radius: 100%; background-color: rgb(254, 226, 191); box-sizing: border-box !important;'><section style='box-sizing: border-box; max-width: 100%; width: 5px; height: 5px; background-color: rgb(255, 244, 232); overflow: hidden; transform: rotate(45deg);'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section><section style='margin-right: 4px; margin-left: 4px; padding: 1em; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: solid; border-color: rgb(254, 224, 188);'><section data-autoskip="1" style='max-width: 100%; text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(115, 107, 96); box-sizing: border-box !important;'><section style='max-width: 100%; line-height: 2em; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important;'>银行人士建议，持卡人一定要管理保护好自己的银行卡，可以自行对自己的账户进行清理，对于确实已经不再使用的银行卡，可主动注销，以免不用的银行卡被不法分子利用，带来不必要的风险。目前大部分银行都已支持异地网点注销银行卡。</span></section><section style='max-width: 100%; line-height: 2em; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; line-height: 2em; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 0, 0); box-sizing: border-box !important;'>需要特别强调的是，千万不要出租、出售、出借银行卡或支付账户。</span></section></section></section><section style='margin-top: -6px; max-width: 100%; display: flex; justify-content: space-between; align-items: flex-start; box-sizing: border-box !important;'><section style='padding: 2px; max-width: 100%; border-width: 1px; border-style: solid; border-color: rgb(254, 226, 191); border-radius: 100%; background-color: rgb(254, 226, 191); box-sizing: border-box !important;'><section style='box-sizing: border-box; max-width: 100%; width: 5px; height: 5px; background-color: rgb(255, 244, 232); overflow: hidden; transform: rotate(45deg);'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section><section style='padding: 2px; max-width: 100%; border-width: 1px; border-style: solid; border-color: rgb(254, 226, 191); border-radius: 100%; background-color: rgb(254, 226, 191); box-sizing: border-box !important;'><section style='box-sizing: border-box; max-width: 100%; width: 5px; height: 5px; background-color: rgb(255, 244, 232); overflow: hidden; transform: rotate(45deg);'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section></section><section data-role="paragraph" style='max-width: 100%; box-sizing: border-box !important;'><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><br></p></section></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>而对于不希望被冻结的银行卡，</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>只要每年通过ATM、</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>网上银行或手机银行等任意渠道</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>办理一笔业务或者进行转账等交易，</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>就不会被银行认定为是“睡眠账户”。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; text-align: center; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section data-role="outer" style='max-width: 100%; letter-spacing: 0.544px; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="103817" style='max-width: 100%; box-sizing: border-box !important;'><section style='margin: 10px auto; max-width: 100%; text-align: center; box-sizing: border-box !important;'><section style='max-width: 100%; display: inline-block; box-sizing: border-box !important;'><section data-brushtype="text" style='margin-left: 8px; max-width: 100%; text-align: left; letter-spacing: 1.5px; color: rgb(239, 235, 232); font-style: italic; box-sizing: border-box !important;'><br style='max-width: 100%; box-sizing: border-box !important;'></section><section data-width="92%" style='box-sizing: border-box; margin-left: auto; max-width: 100%; width: 262.641px; height: 6px; background-color: rgb(240, 235, 229); overflow: hidden;'><br style='max-width: 100%; box-sizing: border-box !important;'></section><section style='max-width: 100%; display: flex; box-sizing: border-box !important;'><section data-brushtype="text" hm_fix="306:350" style='padding: 5px 15px; max-width: 100%; box-sizing: border-box; letter-spacing: 1.5px; color: rgb(255, 255, 255); background-color: rgb(199, 184, 161);'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>链接：银行三类账户有何不同？</span></strong></section><section style='max-width: 100%; display: flex; box-sizing: border-box !important;'><section style='box-sizing: border-box; max-width: 100%; width: 6px; height: 31.4375px; background-color: rgb(240, 235, 229); overflow: hidden;'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section></section><section data-role="paragraph" style='max-width: 100%; box-sizing: border-box !important;'><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><br></p></section></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>自2016年12月1日起，银行账户被分为Ⅰ类、Ⅱ类、Ⅲ类，类别不同，功能不同。 </span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>Ⅰ类户是全功能的银行结算账户</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>，必须在柜面或通过银行自助机具，经银行工作人员现场面对面审核身份后开立，存款人可通过Ⅰ类户办理存款、购买理财产品等金融产品、支取现金、转账、消费及缴费支付等全部金融业务，没有限额。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>Ⅱ类户可以办理存款、购买投资理财产品等金融产品、限额消费和缴费、限额向非绑定账户转出资金业务。</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>经银行工作人员现场面对面确认身份的，Ⅱ类户还可以办理存取现金、非绑定账户资金转入业务，可以配发银行卡实体卡片。其中，Ⅱ类户非绑定账户转入资金、存入现金日累计限额合计为1万元，年累计限额合计为20万元；消费和缴费、向非绑定账户转出资金、取出现金日累计限额合计为1万元，年累计限额合计为20万元。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><br></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; color: rgb(0, 122, 170); box-sizing: border-box !important;'>Ⅲ类户权限最小，只能办理限额消费和缴费、限额向非绑定账户转出资金业务</span></strong><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'>。经银行柜面、自助设备加以银行工作人员现场面对面确认身份的，Ⅲ类户还可以办理非绑定账户资金转入业务。其中，Ⅲ类户账户余额不得超过1000元；非绑定账户资金转入日累计限额为5000元，年累计限额为10万元；消费和缴费支付、向非绑定账户转出资金日累计限额合计为5000元，年累计限额合计为10万元。</span></section><section style='max-width: 100%; letter-spacing: 0.544px; line-height: 2em; font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'><br></span></section></section><font size="2">（来源：四川日报）</font></div><p></p> 现在喊办卡也是频繁，一个业务就喊办哪里的卡有的银行也奇怪，冻结了以后还可以用转钱进去，但是取不出来！
清理哈也好
谢谢分享告知
好的
哪有10块以下的哦，低了每个月就要扣管理费，一直扣完为止
谢谢分享
谢谢分享！
谢谢分享
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