Recently, students from Xi'an University of Electronic Science and Technology reported to reporters that they had never applied for an ICBC credit card, but after checking with the local ICBC, they found that there was an extra credit card in their name for no reason. The reporter went to Xi'an to investigate and interview, and found that more than 10,000 students in *** had their information used to apply for credit cards without their knowledge.
A small ICBC credit card has stirred up the entire Xi'an University of Electronic Science and Technology recently. The whole incident was caused by a Xidian student posting online on December 8, saying that he went to the ICBC next to the school. When applying for online banking, he was told that he could not apply because he already had a Peony credit card in his name and had opened online banking, but he had never applied for an ICBC credit card. This incident of theft of students' personal information has revealed the tip of the iceberg. After that, many students began to check ICBC’s customer service hotline 95588 and found that they had an ICBC credit card in their names that they had never seen before.
Student: All the students in the dormitory and the class have done it. Then he said that everyone should ask, 95588. After calling, he said that he applied for such a card on July 3. I have never applied for a credit card, but the (computer) showed that I have one (credit card). I didn't get the card, so I asked if I could cancel it. (Customer service) said they would talk about it in a month. I wasn't sure. We have never applied for a credit card. Students find it troublesome and don’t want to overdraw.
Student 2: It seems that the school’s finance office handled it. The students didn’t know anything about it. We didn’t know anything at all. Suddenly there was a card. We didn’t know where the card came from. Why should he use our ID cards? Some people online said that I don’t recognize this card because it doesn’t have my signature.
Reporter: How many people have this situation?
Student: The Internet said it was at least four digits, maybe tens of thousands.
In Xi'an University of Electronic Science and Technology, the reporter conducted an in-depth investigation and found that a large proportion of graduate students and doctoral students in the old campus were issued cards. Students from the School of Engineering, School of Mechanical and Electrical Engineering, and School of Economics and Management reported that their information was fraudulently used to apply for ICBC credit cards.
There are strict procedures for applying for a credit card. You must apply in person, provide detailed information, and sign in person. However, so many students have been issued credit cards without their knowledge. How do banks operate? The reporter found that the bank handling these fake credit cards was the Nanguan Branch of the Industrial and Commercial Bank of China Xi'an Branch. Two persons in charge of the credit card department admitted that from April to July this year, 1 *** applied for credit cards for more than 10,000 students. Everything is taken care of by the school.
Bank: We apply this card in batches for students. The first time you apply for this card is to waive the annual fee for five years and the credit limit is zero. As for the process of applying for a card, we first signed an agreement with the school. We are applying for cards in batches. Both parties signed an agreement on the basis of doing good things for the students, which was approved by the school.
Reporter: Students reported to us that they did not get the card at all and did not know that there was such a card. Should we have informed the students when applying for this card? Or Say I have a signature?
Bank: We should discuss this with the school. The school should publicize it when issuing cards. The school also talked about this today.
Reporter: Should we issue the card or should we tell the students when applying for the card?
Bank: When we applied, the school provided us with ID cards and then provided us with some relevant information. We applied for them, which also met our conditions for applying for a card. When issuing a card, you can choose whether you want it or not. We can cancel the card if you don't want it.
Reporter: There has been such a huge response from students. Many students said that they did not know about it at all, or that they did not want the card, and were unable to cancel it. What are we going to do next?
Bank: Regarding this, we also negotiated with the school in the early stage, and the school also arranged several departments from them to come together and hold a meeting. They now want to carry out publicity for every student. The way of publicity is that if your student wants it, then you can fill out the form; if you don't want it, we will focus on canceling the account. This batch of cards has now been processed for account cancellation.
Reporter: Have all accounts been closed?
Bank: Yes, in this process, the only thing we need to learn from in the future is to let all students know about this when we talk with the school.
The students applied for more than 10,000 credit cards without their knowledge. The relevant personnel of the Nanguan Branch of the Industrial and Commercial Bank of China Xi'an Branch actually said that the procedures were followed and there were no violations. Why do they do this? Is it really just out of good intentions? The reporter interviewed many people in the banking industry.
Reporter: There will be a commission for applying for a card. There is a workload, right?
Industry insider 1: Yes.
Reporter: How much will the commission be? A card.
Industry insider 1: After a certain amount is paid, a card will get ten yuan (commission), and there will be as much as twenty or thirty yuan.
Industry insider 2: He has an assessment indicator within the bank. For example, how many customers does each salesperson need to develop in a year? If you have 10,000 customers in a school, he can complete the entire year's work in one go. index. The second problem is that banks can cultivate their potential customers through this method. When you graduate from college, the first time you come into contact with this bank, you may deal with this bank throughout your life.
After constant feedback from students and public attention, the relevant person in charge of Xi'an University of Electronic Science and Technology finally admitted that the school cooperated with the Industrial and Commercial Bank of China to apply for credit cards for students collectively.
At around 9 a.m. on the 17th, the reporter met Qiang Jianzhou, the school’s propaganda director, and a person who claimed to be the director of the finance department. They said they would issue a statement of the situation within an hour and apologize to all students. However, in the face of such large-scale misappropriation of students' personal information, the two leaders showed no apology at all.
Reporter: Why did you leave the financial department’s phone number last? Contact number.
Finance Director: There is no problem with this. What is the problem?
Reporter: Is there no problem with this? But why do they all say they don’t know?
Finance Director: If you don’t know, you don’t know. What’s wrong?
Reporter: Isn’t it a serious problem that he applied for a credit card without knowing it?
Finance Director: Wouldn’t this save you trouble?
Reporter: The student was given a credit card, but he didn’t get the card or sign it. He didn’t know. Do you think this saves trouble?
Finance Director: If you don’t know, it’s not your card! That’s it!
Reporter: How can you pretend that it’s not my card when it’s just in my name?
Director of Finance: I understand that this card is low-cost and risk-free. Why not do such a good thing for students?
Reporter: But you must be sure when applying for a credit card Does it require my signature? I know it?
Finance Director: This is the norm. In China, under normal circumstances, this thing is second-rate.
Reporter: What are you referring to?
Finance Director: There is another special situation. This is faster and the bank is more efficient. Sooner or later they will know about it, right? (p.s. The first time I found out that I had been issued a card was in March 2008, and it turned out that the credit card had been applied for at least three batches, in March, June, and July, and no student had received the card from the school)
Reporter: Then why can't you inform the student himself that he now has a card in his name, so you can overdraw this card...
Director of Finance: This is what we did wrong. Well, this is what we adults did wrong! Tell the students about this!
(Reading the student’s letter) After being reminded by my classmates, I tried to go to the Industrial and Commercial Bank of China to confirm that the bank had applied for a credit card for me. This should be our personal information. How could it be disclosed to the third party? Three parties? This is my reply to this classmate. The original words are, as far as I know, what you reported emerged during the close cooperation between our school and ICBC.
Why does this happen? What I understand is that the leap-forward development of our school in recent years requires strong financial support from banks. For example, if we don’t have money, how can we build a new campus? At the same time, the bank also needs the help of the school to do some things for it. I think it is reasonable and reasonable to complete a certain amount of credit card application tasks through students, a potential consumer group! You beg the bank when you are in the most difficult time, and the bank will beg you in turn. Win-win and mutual benefit are the basis of cooperation. You students should understand this!
In order to repay ICBC’s support, the school generously handed over students’ personal information that did not belong to them. Article 17 of the "Resident Identity Card Law of the People's Republic of China" clearly stipulates that anyone who fraudulently uses another person's resident identity card shall be fined not less than 200 yuan but not more than 1,000 yuan by the public security organs, or may be detained for not more than ten days. If the school had some legal knowledge, they would not be so indifferent to the unauthorized use of student ID cards. During the interview, Propaganda Minister Qiang Jianzhou became furious when the reporter asked about the school’s regulations on protecting students’ personal information.
Reporter: Does the school have any regulations on the management of students’ personal information? For example, can students’ personal information be protected from being leaked?
Propaganda Minister: You, let me tell you, don’t follow your ideas now, follow mine. We are going to announce the news online soon, and we are going to occupy Tianya and all the channels through which you get information, so please stop digging up this matter. This is a collective behavior of the school. I understand what you want to do as soon as you ask. Do you want to say whether the school should keep students' information confidential?
Reporter: Do you think it should be?
Propaganda Minister: No, it shouldn’t be, why should we keep it secret from the bank? A bank is a credit institution.
Director of Finance: Banks also need to keep confidentiality for depositors. Do you understand? !
Reporter: But you shouldn’t disclose it to the bank!
Director of the Finance Department: Why shouldn’t I disclose it to the bank? Why can’t I disclose it to the bank?
Reporter: OK, thank you. We understand the situation.
Propaganda Minister: Please wait a moment. Now that you are here, you should make peace with yourself. Western Electric Power is sunny...
Reporter: Then we will leave first. Thanks.
Propaganda Minister: Please sit down first, please sit down first.
Reporter: No, no, we have other work!
Propaganda Minister: Don’t leave yet. If you do this, I can ask the security department to detain you! I can detain you immediately!
Reporter: Why did you ask the Security Department to detain me?
Propaganda Minister: Have you studied this before? Please sit down and study it. Let our teacher Qin study it for you.
Reporter: My interview is over. Thank you for cooperating with me.
Propaganda Minister: What are you doing? ! ah! Ask the guard to detain her.
Reporter: What did you just say?
Propaganda Minister: Ask the guard to detain her! I'm going to do something that will shock the whole country today! Come! I want to do something that will shock the whole country!
Reporter: My interview is over, why can’t I leave? There was nothing illegal about my interview!
Reflecting on the entire incident, Xi'an University of Electronic Science and Technology, after obtaining the students' ID cards and other personal information, returned it as school assets to the bank that supported the school's construction, lacking basic legal knowledge; and the Xi'an Branch of the Industrial and Commercial Bank of China Nanguan Branch, in pursuit of performance, violated operating procedures and forced students to apply for cards without their knowledge, which also reflects the lack of supervision and the indifference of legal awareness.
Things that cause harm to parties due to the leakage of personal information often occur, such as websites leaking user information, hospitals leaking patient information, etc. This time, what students jokingly called the "Xidian Carmen Incident" has once again sounded the alarm for us. Relevant experts call for the promulgation of a "Personal Information Protection Law" as soon as possible. Only through legislation can the personal information leakage problem that has plagued the public for a long time be completely solved.