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Notice of the People's Bank of China on Improving Individual Bank Account Services and Strengthening Account Management [Revised]
中国人民银行关于改进个人银行账户服务加强账户管理的通知 [已被修订]
【法宝引证码】

Notice of the People's Bank of China on Improving Individual Bank Account Services and Strengthening Account Management 

中国人民银行关于改进个人银行账户服务 加强账户管理的通知

Shanghai Head Office of the People's Bank of China (“PBC”); all branches and business management departments of the PBC; and all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and the central sub-branch of the PBC in Shenzhen; China Development Bank; all policy banks, state-owned commercial banks and joint-stock commercial banks; and Postal Savings Bank of China: 中国人民银行上海总部,各分行、营业管理部、省会(首府)城市中心支行,深圳市中心支行;国家开发银行,各政策性银行、国有商业银行、股份制商业银行,中国邮政储蓄银行:
For purposes of improving the services of individual RMB bank settlement accounts (hereinafter referred to “individual bank accounts”), facilitating depositors' opening and use of individual bank accounts, strengthening banks' internal management, and effectively implementing the real-name system for bank accounts, you are hereby notified of the relevant matters: 为改进个人人民币银行结算账户(以下简称个人银行账户)服务,便利存款人开立和使用个人银行账户,加强银行内部管理,切实落实银行账户实名制,现就有关事项通知如下:
I. Carrying out the real-name system for individual bank accounts   一、落实个人银行账户实名制
A banking financial institution (hereinafter referred to as the “bank”) shall, when opening an individual bank account for an account opening applicant, verify the applicant's identity information, and check the validity of identity certificate provided by the account opening applicant, the consistency between the account opening applicant and identity certificate as well as the applicant's intention to open an account, and shall not open a bank account or provide services for any unidentified account opening applicant or open any anonymous or pseudonymous bank account. 银行业金融机构(以下简称银行)为开户申请人开立个人银行账户时,应核验其身份信息,对开户申请人提供身份证件的有效性、开户申请人与身份证件的一致性和开户申请人开户意愿进行核实,不得为身份不明的开户申请人开立银行账户并提供服务,不得开立匿名或假名银行账户。
(1) Examining identity certificates. When opening an individual bank account for the account opening applicant, the bank shall require the applicant to provide his or her own valid identity certificate, and diligently examine the authenticity, validity and regulatory compliance of such an identity certificate. If it is still difficult for the bank to determine the identity of the account opening applicant through the valid identity certificate, the bank shall require the applicant to provide supplementary identification materials. (一)审核身份证件。银行为开户申请人开立个人银行账户时,应要求其提供本人有效身份证件,并对身份证件的真实性、有效性和合规性进行认真审查。银行通过有效身份证件仍无法准确判断开户申请人身份的,应要求其出具辅助身份证明材料。
Valid identity certificates include: (a) the resident identity card, if the applicant is a Chinese citizen who has registered permanent residence within the territory of the People's Republic of China; and the resident identity card or household register, if the citizen is under the age of 16; (b) the Mainland travel permit for Hong Kong or Macao residents, if the applicant is a resident in the Hong Kong Special Administrative Region or Macao Special Administrative Region; (c) the Mainland travel permit for Taiwan residents, if the applicant is a resident in Taiwan; (d) the Chinese passport, if the applicant is a Chinese citizen settling abroad; (e) the passport or foreigner's permanent residence card, if the applicant is a foreign citizen (foreign border residents shall be subject to the provisions on border trade settlement); and (f) other identification documents prescribed by laws and administrative regulations. 有效身份证件包括:1.在中华人民共和国境内已登记常住户口的中国公民为居民身份证;不满十六周岁的,可以使用居民身份证或户口簿。2.香港、澳门特别行政区居民为港澳居民往来内地通行证。3.台湾地区居民为台湾居民来往大陆通行证。4.定居国外的中国公民为中国护照。5.外国公民为护照或者外国人永久居留证(外国边民,按照边贸结算的有关规定办理)。6.法律、行政法规规定的其他身份证明文件。
The supplementary identification materials shall include, but not be limited to: (a) the household register, passport, motor vehicle driving license, residence permit, social security card, or the identity certificate of a serviceman or armed policeman, household register certificate issued by the public security authority, and employee's card, if the applicant is a Chinese citizen; (b) the resident identity card of the Hong Kong Special Administrative Region or Macao Special Administrative Region, if the applicant is a resident in the Hong Kong Special Administrative Region or Macao Special Administrative Region; (c) the valid identity certificate for residence in Taiwan, if the applicant is a resident in Taiwan; (d) the certification documents for settling abroad, if the applicant is a Chinese citizen who settles abroad; (e) the identity certificate with a headshot, such as an identity card of a foreign resident, identity certificate of a person of embassy or consulate or motor vehicle driving license, if the applicant is a foreign citizen; and (f) the tax and fee certificates, such as duty-paid proof, and payment receipt for water, electricity and gas. 辅助身份证明材料包括但不限于:1.中国公民为户口簿、护照、机动车驾驶证、居住证、社会保障卡、军人和武装警察身份证件、公安机关出具的户籍证明、工作证。2.香港、澳门特别行政区居民为香港、澳门特别行政区居民身份证。3.台湾地区居民为在台湾居住的有效身份证明。4.定居国外的中国公民为定居国外的证明文件。5.外国公民为外国居民身份证、使领馆人员身份证件或者机动车驾驶证等其他带有照片的身份证件。6.完税证明、水电煤缴费单等税费凭证。
A serviceman or armed policeman who has not received the resident identity card shall provide not only the identity certificate of a serviceman or armed policeman, but also the serviceman security card or certification materials issued by the entity where the serviceman or armed policeman works proving that the serviceman or policeman has not received the resident identity card. 军人、武装警察尚未领取居民身份证的,除出具军人和武装警察身份证件外,还应出具军人保障卡或所在单位开具的尚未领取居民身份证的证明材料。
(2) Verifying identity information. A bank may take multiple means to conduct multiple cross-validation of identity information of the account opening applicant by using databases of government departments, its own database, commercial databases, and other bank account information, among others, and build a safe and reliable identity information verification mechanism in an all-round manner. (二)核验身份信息。银行可利用政府部门数据库、本银行数据库、商业化数据库、其他银行账户信息等,采取多种手段对开户申请人身份信息进行多重交叉验证,全方位构建安全可靠的身份信息核验机制。
A qualified bank may explore the adoption of the biometric identification technology and other safe and effective technical means as auxiliary means for verifying the identity information of the account opening applicant when providing individual bank account opening services. 提供个人银行账户开立服务时,有条件的银行可探索将生物特征识别技术和其他安全有效的技术手段作为核验开户申请人身份信息的辅助手段。
(3) Retaining identity information. Where an individual bank account is successfully opened, the bank shall register the depositor's basic information, the information on identification documents relating to the verification of the depositor's identity information, and complete identity information verification records, retain the copies or photocopies of the depositor's identity certificate and supplementary identification documents, and identity information stored in the electronic form, and may retain the audio or video records, among others, of the account opening process, if conditions permit. (三)留存身份信息。成功开立个人银行账户的,银行应登记存款人的基本信息、与存款人身份信息核验有关的身份证明文件信息、完整的身份信息核验记录,留存存款人身份证件、辅助身份证明文件的复印件或者影印件、以电子方式存储的身份信息,有条件的可留存开户过程的音频或视频等。
The bank may conduct centralized management of depositors' identity information registered by branch offices provided that the branch offices are able to obtain the relevant depositors' identity information in a timely manner. 银行在确保分支机构能够及时获得相关存款人身份信息的前提下,可以将分支机构登记的存款人身份信息集中管理。
(4) Establishing and improving individual bank account databases. A bank shall establish and improve an individual bank account management system centering on depositors, and realize the uniform inquiry and management of individual bank accounts according to citizens' identity certificate number, or passport number, among others. If the depositors are not Chinese residents, the bank shall mark the accounts according to the depositors' nationalities (regions) and realize the categorized inquiry and management of non-Chinese residents' bank accounts. (四)建立健全个人银行账户数据库。银行应建立健全以存款人为中心的个人银行账户管理系统,按照公民身份号码、护照号等实现对个人银行账户的统一查询和管理。对于存款人为非中国居民的,银行应按照存款人国籍(地区)进行标识并实现对非中国居民银行账户的分类查询和管理。
(5) Ceasing the use of or canceling bank accounts. Where a bank discovers or receives any personal statement of a person whose identity information is illegally used by any other person and confirms that the bank account is a pseudonymous account or fraudulently opened by an agent, it shall immediately cease the use of the relevant individual bank account; and cancel the account after obtaining the consent of the person whose identity information is illegally used by any other person or of the principal, and manage funds in the account as funds in dormant accounts. (五)停用或注销银行账户。银行发现或者收到被冒用身份的个人声明,并确认该银行账户为假名或虚假代理开户的,应立即停止相关个人银行账户的使用;在征得被冒用人或被代理人同意后予以销户,账户资金列入久悬未取专户管理。
II. Establishing a categorized management mechanism for bank accounts   二、建立银行账户分类管理机制
A bank shall, under the principle of “knowing your clients,” adopt scientific and rational methods to rate the risk degree of depositors, prudentially determine bank account functions, payment channels and payment limit according to depositors' identity information verification methods and risk degree, and conduct categorized management and dynamic management. The bank may open individual bank accounts for account opening applicants through counter, long-distance video teller machine, virtual teller machine and other self-service machine, online banking, mobile banking and other electronic channels. If a bank provides individual bank account opening services through self-service machine and electronic channels, account opening applicants may only handle the business based on resident identity cards. 银行应按照“了解你的客户”原则,采用科学、合理的方法对存款人进行风险评级,根据存款人身份信息核验方式及风险等级,审慎确定银行账户功能、支付渠道和支付限额,并进行分类管理和动态管理。银行可通过柜面、远程视频柜员机和智能柜员机等自助机具、网上银行和手机银行等电子渠道为开户申请人开立个人银行账户。银行通过自助机具和电子渠道提供个人银行账户开立服务的,开户申请人只能持居民身份证办理。
On the basis of existing individual bank accounts, the categories of bank accounts are increased, and individual bank accounts are categorized into Class-I bank accounts, Class-II bank accounts and Class-III bank accounts (hereinafter referred to as “Class-I accounts, Class-II accounts and Class-III accounts” respectively). Banks may provide depositors with such services as deposit, purchase of investment and wealth management products and other financial products, account transfer, consumption, expense payment, and cash withdrawal through Class-I accounts. Banks may provide depositors with such services as deposit, purchase of investment and wealth management products and other financial products, consumption of limited amount, and expense payment through Class-II accounts. Banks may provide depositors with services of consumption of limited amount and expense payment through Class-III accounts. Banks shall not provide depositors with cash deposit and withdrawal services through Class-II accounts and Class-III accounts, or grant physical medium for Class-II accounts and Class-III accounts. 在现有个人银行账户基础上,增加银行账户种类,将个人银行账户分为Ⅰ类银行账户、Ⅱ类银行账户和Ⅲ类银行账户(以下分别简称Ⅰ类户、Ⅱ类户和Ⅲ类户)。银行可通过Ⅰ类户为存款人提供存款、购买投资理财产品等金融产品、转账、消费和缴费支付、支取现金等服务。银行可通过Ⅱ类户为存款人提供存款、购买投资理财产品等金融产品、限定金额的消费和缴费支付等服务。银行可通过Ⅲ类户为存款人提供限定金额的消费和缴费支付服务。银行不得通过Ⅱ类户和Ⅲ类户为存款人提供存取现金服务,不得为Ⅱ类户和Ⅲ类户发放实体介质。
(1) Account opening at counters. A bank may open a Class-I account, Class-II account or Class-III account for the account opening applicant if it accepts the bank account opening application through the counter.
......
 (一)柜面开户。通过柜面受理银行账户开户申请的,银行可为开户申请人开立Ⅰ类户、Ⅱ类户或Ⅲ类户。
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