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央行新规:丢身份证 再也不用担心名下多几百万

央行新规:丢身份证 再也不用担心名下多几百万
2018-07-18 16:35 中国新闻网
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  原标题:央行新规:丢失身份证,再也不用担心名下多几百万存款了

  丢失身份证被人拿去银行开户,诈骗、洗钱、偷逃税款……

  突然发现名下有个银行账户,里面有电信网络诈骗转来的几百万……啥,已经被转走了……

  丢失身份证被人拿去买了车,哎呀还有100多万贷款和100多张罚单……

  好不容易想去银行开个户头,发现身份证号码已经被人占用了,这下连工资户头都开不了……

  这些可怎么办?

  从今往后,丢失身份证,或将不用再担心被人冒用办了信用卡、或者名下突然多了几个银行户头。因为中国央行21日宣布,将开展失效居民身份证信息和非居民身份证件信息核查。

钟欣 摄(来源:中新网)钟欣 摄(来源:中新网)

  什么是失效居民身份证信息?

  简单来说,就是你丢了去挂失了的身份证,或者已经失效的身份证。

  境外的小伙伴们也不用担心,这次核查也包括港澳居民来往内地通行证、台湾居民来往大陆通行证、外国人永久居留身份证。

  如银行核查的是个人已向公安机关申报丢失的居民身份证,联网核查系统将反馈“证件已挂失”;

  如个人因姓名变更、证件损坏、登记项错误、有效期满等原因已到公安机关换领了新证,而银行核查的证件仍为旧证的,联网核查系统将反馈“证件已失效”。

  办理哪些业务会被核查?

  试点将首先在客户办理单位和个人银行结算账户开立、变更、撤销时进行,客户办理其他业务时无需进行失效居民身份证信息和非居民身份证件信息核查。

  后续将根据试点情况,继续在其他银行业务推广身份信息核查。

韩章云 摄 (来源:中新网)韩章云 摄 (来源:中新网)

  如果发现我身份证“已挂失”

  银行会不会拒绝为我办理业务?

  这得分两步走:

  ——银行如果能够确切判断或者经核实后确认居民身份证是失效或者挂失证件、非居民身份证件为虚假证件的:应拒绝为客户办理相关业务;其中,对于客户以虚假身份证件或者冒用他人证件骗取开户或办理其他业务的,银行还应向公安机关报案。

  ——银行如果无法确切判断客户出示的居民身份证为挂失、失效证件,或者非居民身份证件为虚假证件的,将区分情形进行处理。

  如个人由他人代理办理业务的,银行将采取进一步身份核实措施;如个人本人亲自办理业务的,则由银行根据个人年龄、身份、开户理由、业务风险等综合判断,能够确认相关个人为证件持有人的,将按照相关规定继续办理业务,不能确认的,将采取进一步身份核实措施。对需进一步采取核实措施的,经进一步身份核实后,如相关个人为证件持有人,居民身份证真实、在有效期内,没有在公安机关申请挂失,或者没有出现因损坏、登记项错误、姓名变更情形而更换了新的居民身份证的,银行将继续办理业务;如相关个人不是证件持有人或者证件为虚假的,银行将拒绝办理业务。

  所以,如果你身份证曾经挂失过,那么国是小伙伴建议你:

  带上你的户口簿、机动车驾驶证、居住证、社会保障卡、香港或者澳门特别行政区居民身份证、在台湾居住的有效身份证明、护照等其他辅助身份证明材料,或者采用第二代居民身份证阅读机具进行识别、人脸识别、指纹识别等。

  身份证已挂失,

  会不会影响乘车、乘机、住宿?

  官方说:不影响客户使用该证件办理乘车、乘机、住宿等其他事务。

  目前联网核查系统只向试点地区的试点银行提供失效居民身份证信息和非居民身份证件信息核查服务,不影响其他地区和其他银行账户业务的办理,也不会影响相关个人办理乘车、乘机、住宿等其他事务。

黄华诗 摄(来源:中新网)黄华诗 摄(来源:中新网)

  我对核查有异议怎么办?

  个人对失效居民身份证信息或非居民身份证件信息核查结果有异议的,可告知核查银行,也可以向核查银行所在地人民银行分支机构反映。人民银行分支机构、核查银行将通过联网核查系统将客户异议信息反馈人民银行总行。人民银行总行定期将客户异议信息反馈至公安部,公安部与地方公安机关进一步核实确认后处理。

  此外,个人还可直接向公安部公民身份证号码查询服务中心申请核实,联系电话:010-59832987。

责任编辑:桂强

央行存款核查
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