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銀保監:內銀鬚解決個人異地辦卡難和小微企開戶難問題
中國銀保監會發布通知指出,進一步優化銀行開戶服務,切實解決羣衆「辦卡難」和小微企業「開戶難」問題,保護金融消費者合法權益。通知要求,銀行辦理開戶業務時,應當以便民服務爲基本宗旨,充分利用技術手段,優化辦理流程,持續識別客戶身份。明確前中後臺各部門職責,採取差異化服務措施,實施賬戶分類分級管理。減少需客戶自行提供的證明材料,讓數據「多跑路」、羣衆「少跑腿」。 通知並要求,充分考慮異地打工人員、靈活就業人員、高校畢業生等羣體實際現狀,不得「一刀切」要求額外提供居住證、工作證明、三個月至一年不等的社保記錄和實名制手機號等證明材料。對於開戶用途合理且無明顯理由懷疑開戶從事違法犯罪活動的小微企業,銀行應當予以開戶。此外,不得僅以員工少、企業主戶口不在本地、公司經營地址與個人住址相同、公司尚未開業、未在銀行存夠足額資金等理由,拒絕爲小微企業開戶。 通知又提到,不得將賬戶功能、開戶辦理時間與客戶購買金融產品或服務掛鉤,變相強制捆綁銷售。銀行在開戶時收集消費者個人訊息應當遵循合法、正當、必要原則,不得超出法律、法規規定和消費者授權範圍使用個人訊息。
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