1. The income and expenditure details of China Merchants Bank shall be kept objectively and permanently. According to the regulations of the People's Bank of China, all card-issuing banks should regularly and timely upload customer account information, and may not tamper with or delete customer account information.
2. The bank statement cannot be deleted, but the income and expenditure records on the application form of China Merchants Bank can be deleted. Open the application of China Merchants Bank, click Remittance Transfer, select payee information management, select historical payee, and delete the revenue and expenditure records to be deleted. You must enter the payee account again in order to transfer money to the deleted payee next time.
: 1) Transfer records are used to query balance records and transaction records. They cannot be deleted or hidden. According to the regulations of the People's Bank of China, all card-issuing banks must regularly upload customer consumption and reimbursement records, and shall not forge or alter them. For security reasons, individuals are obliged to keep their own account books and invoices, account information and passwords to prevent unauthorized access by third parties. Therefore, as long as the bank keeps its account password, it will not disclose personal transaction records.
2) Customer transaction records are important transaction documents, which should be kept by banks for at least 5 years. Financial institutions and financial institutions shall keep customer identity information and transaction records within the following periods: at least 5 years from the year of termination of business relationship or the year of registration of a single transaction. Transaction records shall be kept for at least 5 years, counting from the accounting year of the transaction.
3) The customer's identity data and transaction records involve suspicious transactions in the anti-money laundering investigation, and the anti-money laundering investigation has not been completed before the expiration of the minimum retention period specified in the preceding paragraph; Financial institutions shall keep them until the end of the anti-money laundering investigation. If customer identity data or transaction records with different retention periods are stored on the same medium, the longest retention period will be retained. If the identity data or transaction records of the same customer are stored in different media, the identity data or transaction records of at least one media shall be stored according to the above requirements.
Operating environment: Bank APP version of China Merchants Bank.