Account management is mainly to prevent criminals from using forged, altered or expired business licenses, ID cards and other certification documents to defraud banks into opening bank settlement accounts, and use bank settlement accounts to commit fraud, extortion, and Money laundering and other illegal and criminal activities. In order to prevent the use of bank settlement accounts for illegal and criminal activities from the source and protect the legitimate rights and interests and fund security of depositors and banks, depositors are obliged to provide true, complete and legal account opening certification documents. The bank where the account is opened carefully examines the authenticity, completeness, and legality of the account opening application materials submitted by the depositor and the matters filled in the account opening application form to ensure that the depositor opens various settlement accounts in his real name, which is also a concrete manifestation of understanding the bank's customers. However, there are the following main problems in the current management of account opening information:

First, there is insufficient understanding of the importance of account opening information. The focus of various banks on customers is whether there is any deposit in the account. How much deposit is there? And the account opening information is regarded as dispensable. Some account opening banks think that they are familiar with the customers, and it does not matter if they need the account opening information. They ignore the need for account opening information. Strict review of account opening information. This year, most of the banking institutions audited by the Weinan Audit Office of China Construction Bank Shaanxi Branch had incomplete account opening information. For example, at the railway station office of a branch, 90 accounts were opened normally as of the audit date, 25 of which did not have any account opening information. Among the 65 households with account opening information, 11 households lacked a copy of the organization code certificate, 18 households lacked a copy of the business license, 19 households lacked a copy of the national tax or local tax registration certificate, 13 households lacked an application form for opening an account, and a special account 3 households lacked copies of basic settlement licenses.

The second is that the deposit account is not opened according to the purpose of the account. Confusing general deposit accounts, basic settlement accounts and special deposit accounts with each other violates the principle of cash settlement. A special account is a settlement account opened by a depositor for the special management and use of its funds for specific purposes in accordance with laws, administrative regulations and rules and regulations. The difference from other accounts is that there are special regulations for cash withdrawals: cash cannot be withdrawn from fiscal extra-budgetary funds, securities transaction settlement funds, futures trading margin and trust fund special deposit accounts. Capital construction funds, renovation funds, policy real estate development funds, and interbank fund accounts deposited by financial institutions that require cash withdrawals must be approved by the local branch of the People's Bank of China when opening the account. Cash withdrawals from special deposit accounts for grain, cotton and oil purchase funds such as social security funds, housing funds, and party, league, and trade union funds shall be handled in accordance with national cash management regulations. If the special account is mixed with other settlement accounts, some customers can withdraw cash from the bank.

Third, the phenomenon of temporary account expiration is serious. According to the "Account Management Measures of the People's Bank of China", temporary accounts are bank settlement accounts opened by depositors due to temporary needs and used within a specified period. They are mainly: (1) establishment of temporary institutions; (2) temporary business activities in other places. ; (3) Registration and capital verification. Temporary accounts may not be valid for more than two years. If the depositor needs to extend the period while using the account, he should apply to the bank where the account is opened within the valid period, and the bank will report the extension to the local branch of the People's Bank of China for approval. In some business outlets, customers' temporary accounts have obviously exceeded the time limit, but they have not gone through the extension procedures.

Fourth is poor management of account opening information. In addition, the issue of keeping account opening information cannot be ignored. In the "Account Management Measures of the People's Bank of China", there are no unified regulations on how account opening information should be kept. The practices of various grassroots banks are varied: some put the account opening information separately in a file box; some bind it with the voucher; some keep it among several people. In their respective drawers…. Since there are no unified regulations, the loss of account opening information management by bank institutions cannot be ignored.