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Central bank new regulation: lose ID card, need not worry about the deposit under the name again?

losing ID card is the most annoying thing in people's daily life. Many people lose their ID card for the first time. They worry and worry that people will do something bad for themselves after they find it. The small editors of sihai.com just told you the latest news. They don't need to worry about their savings after losing their ID card!

lost ID card is taken to the bank to open an account, fraud, money laundering, tax evasion & hellip; & hellip;

Suddenly I found that there was a bank account under my name, which had millions of hellip; hellip; what had been transferred from telecommunication network fraud;

Lost ID card was taken to buy a car, alas, there are more than 1 million loans and more than 100 tickets & hellip; & hellip;

It's hard to open an account in the bank. I find that the ID card number has been occupied by someone, and I can't even open a salary account & hellip; & hellip;

What can I do with these?

From now on, if you lose your ID card, you won't have to worry about being falsely used to open a credit card, or suddenly have several more bank accounts under your name. Because the people's Bank of China announced on the 21st that it will carry out the verification of invalid resident identity card information and non resident identity card information.

What is invalid ID card information?

In short, it's the ID card you lost to report the loss, or the invalid ID card.

No need to worry about the overseas partners. This verification also includes the mainland pass for Hong Kong and Macao residents, mainland pass for Taiwan residents and permanent residence ID card for foreigners.

If the bank checks that the individual has declared the lost resident identity card to the public security organ, the online verification system will feedback that the certificate has been reported as lost;

For example, if an individual has changed his / her name, damaged his / her certificate, wrong registration item, or expired his / her validity to the public security organ, and the certificate verified by the bank is still the old one, the online verification system will feedback that the certificate is invalid.

What business will be checked?

The pilot will be carried out at the time of opening, changing and canceling the bank settlement accounts of the client handling units and individuals first, and the client does not need to check the invalid resident ID card information and non resident ID card information when handling other businesses.

In the future, identity information verification will continue to be promoted in other banking businesses according to the pilot situation.

If it is found that my ID card has been reported as lost, will the bank refuse to handle business for me?

There are two steps:

--If the bank can accurately judge or confirm after verification that the resident identity card is invalid or the lost or non resident identity card is false, it shall refuse to handle relevant business for the customer; among them, the bank shall also report the case to the public security organ if the customer swindles the opening or other business with the false identity card or uses others' certificates.

--If the bank is unable to accurately judge whether the resident identity card presented by the customer is a lost or invalid certificate, or the non resident identity card is a false certificate, it will handle it according to different situations.

If an individual transacts business on behalf of others, the bank will take further identity verification measures; if an individual transacts business in person, the bank will, based on the comprehensive judgment of the individual's age, identity, account opening reason, business risk, etc., be able to confirm that the individual concerned is the certificate holder, continue to transact business in accordance with relevant regulations; if not, further identity verification will be taken Measures. If further verification measures need to be taken, after further identification verification, if the relevant individual is the holder of the certificate, the resident identity card is true, within the validity period, has not applied for loss reporting in the public security organ, or has not changed the new resident identity card due to damage, wrong registration items or name change, the bank will continue to handle the business; if the relevant individual is not the holder of the certificate If the person or certificate is false, the bank will refuse to handle the business.

Therefore, if you have ever reported the loss of your ID card, it is suggested that you:

Take your household register, motor vehicle driver's license, residence permit, social security card, Hong Kong or Macao Special Administrative Region resident identity card, valid identity certificate, passport and other supporting identity documents, or use the second generation resident identity card reading machine for identification, face recognition, fingerprint identification, etc.

Will the loss of ID card affect the boarding, boarding and accommodation?

The official said: it will not affect customers' use of the certificate for other affairs such as taking a bus, boarding a plane, accommodation, etc.

At present, the online verification system only provides the verification service of invalid resident identity card information and non resident identity card information to the pilot banks in the pilot areas, which does not affect the handling of other areas and other bank account businesses, nor does it affect the handling of other affairs such as boarding, boarding and accommodation by relevant individuals.