On October 08, according to the official website of the People's Bank of China, the central bank officially issued the Notice on Strengthening the Payment and Settlement Management to Prevent the New Emerging Crimes of the Telecommunications Network (hereinafter referred to as the “Noticeâ€), and comprehensively strengthen the account real name management and bank card business. Management and transfer management.
The "Notice" clearly stipulates that since December 1, 2016, individuals who transfer funds through the self-service teller machine can apply to the issuing bank for cancellation of the transfer within 24 hours after the card-issuing bank accepts.
The "Notice" clearly stipulates that since December 1, 2016, individuals who transfer funds through the self-service teller machine can apply to the issuing bank for cancellation of the transfer within 24 hours after the card-issuing bank accepts.
Free transfer within three months after the trip
In order to effectively curb the trading account and counterfeit account opening, and comprehensively promote the management of the account real name system, the "Notice" clearly stipulates that since December 1, 2016, the banking financial institution will open a bank settlement account for individuals, and the same person is in the same house. A bank can only open a Class I household. If a Class I household has been opened, and a new account is opened, a Class II household or a Class III household should be opened. The move is designed to protect the security of funds.
At the same time, in order to reduce the cost of transfer of residents, the "Notice" clarifies that if the bank charges the off-site access to the current and transfer of funds, the bank charges shall be free of charge within three months from the date of issuance of this notice.
According to the relevant person in charge of the central bank, in the new illegal criminal activities of the current telecommunications network, the bank accounts and payment accounts for the criminals to transfer fraud funds mainly come from the direct purchase of personally opened bank accounts, tricking some people into selling their bank accounts and Pay the account; or use the purchased resident ID card, pretend to be the account holder himself or fictitious agency relationship in the name of relatives and friends, open a bank account or open a payment account online.
Therefore, the management of real-name systems is strengthened. It is convenient for individuals to manage accounts and eliminate unnecessary accounts that are not commonly used. For criminals, they cannot open multiple accounts at will and transfer fraud funds.
The "Notice" clearly stipulates that since December 1, 2016, individuals who transfer funds through the self-service teller machine can apply to the issuing bank for cancellation of the transfer within 24 hours after the card-issuing bank accepts.
Abnormal behavior bank has the right to refuse to open an account
The Notice has strengthened the review of abnormal account opening. It is clear that in one of the following circumstances, the bank and the payment institution have the right to refuse to open an account: there is doubt about the unit and personal identification information, and the auxiliary documents are required to be presented, and the unit and individual refuse to produce the unit; Open an account at the same time or in batches with an individual; there are obvious reasons to suspect that an account is opened for illegal activities.
At the same time, banks and payment institutions may not open accounts for companies that have been listed as “seriously illegal and untrustworthy enterprises†by the national enterprise credit information disclosure system, and those that do not exist or fictitiously operate the place where the bank and payment institution verify that the registered address of the unit does not exist. Banks and payment institutions should check at least quarterly whether the enterprise is a serious illegal enterprise. If the situation is true, it should suspend its business within three months and gradually clean up.
Banks and payment institutions shall strengthen the monitoring of account trading activities. Banks shall suspend their non-counter business for accounts that have no transaction records within 6 months from the date of account opening. The payment institution shall suspend all its business, banks and payment institutions to units and Once the individual re-verifies their identity, they can resume their business.
Transfer method is adjusted to three types selected by depositors
The Notice clearly states that, as of December 1, 2016, banks and payment institutions should implement the following provisions when providing transfer services. The depositor is provided with a variety of transfer options such as real-time arrival, ordinary arrival, and next-day arrival, and the depositor can only handle the business after the selection.
In response to the lawless elements guiding the deceived person to transfer money through the English interface, the "Notice" pointed out that if the bank handles the transfer business for the individual through the self-service teller machine, it should add Chinese voice prompts and set up anti-fraud reminders through text, logo, pop-up window, etc.; The Chinese prompt interface should provide Chinese prompts for core key segments such as funds transfer. If the prompt is not available, no transfer should be provided.
At the same time, the "Notice" strengthened the bank's non-counter transfer management. It is stipulated that from December 1, 2016, when the bank opens a non-counter transfer business for depositors, it should sign an agreement with the depositor to stipulate the daily cumulative limit for non-counter channels to transfer funds to non-same bank accounts and payment accounts. If the number of pens and the annual cumulative limit exceed the limit and the number of pens, they should go to the bank counter.
No one can buy or sell POS machines online
In order to standardize the management of the terminal, the Notice states that no unit or individual may buy or sell pos machines (including MPOS) and card readers on the Internet. The bank and the payment institution shall conduct on-site inspections of all the special merchants of the entity, and check the use locations of the acceptance terminals one by one. The terminal that stops the use of the machine and cannot confirm the actual use location will stop the business function.
At the same time, the "Notice" requires the establishment of a sound special merchant information management system and blacklist management mechanism. The China Payment and Clearing Association and the bank card clearing institution shall establish and improve the special merchant information management system, organize the banks and payment institutions to record the basic information of the special merchants, start and terminate the service, and the compliance risk status. Banks and payment institutions shall carefully provide services to the same special merchants or special merchants controlled by the same individual if they repeatedly change abnormal conditions such as service agencies.
In addition, the Notice also requires the establishment of a sound blacklist management mechanism for special merchants. Special merchants and their legal representatives or responsible persons who have been terminated by the banks and payment institutions for major violations, and the special merchants and related individuals that have been identified as illegal for the transfer of illegal and criminal activities by the public security organs, and the trading accounts identified by the public security organs. Units and individuals, etc., are included in the blacklist management. The China Payment and Clearing Association shall transfer the blacklist information to the basic database of financial credit information.
Banks and payment institutions may not expand the units in the blacklist and the units that are the legal representatives or responsible persons of the relevant individuals into special merchants; those who have expanded into special merchants shall be 10 from the date when the special merchants are blacklisted. It will be retired within the day.
Leather Gaming Chair,Leather Office Gaming Chair,Leather Swivel Gaming Chair,Comfortable Leather Gaming Chair
Taihe Fangyuan Muye Co.,Ltd , https://www.fyofficefurniture.com