Central bank enlarges its measures! China Construction Bank, Agricultural Bank of China and Bank of China were severely fined more than 40 million!

category:Finance
 Central bank enlarges its measures! China Construction Bank, Agricultural Bank of China and Bank of China were severely fined more than 40 million!


The penalty tickets disclosed publicly on the same day further showed that the Agricultural Bank of China Jilin Jiangbei sub branch was recently fined 12.23 million for infringing on the right of consumers personal information to be protected according to law. The central branch of the peoples Bank of China Construction Bank was fined 14.06 million yuan, 5.14 million yuan and 5.33 million yuan respectively. There are also a number of relevant persons in charge of the penalty. Shizuishan branch of Bank of China was fined 4.11 million yuan for infringing on the right of consumers personal information to be protected according to law.

Judging from the amount of fines previously received by local branches for illegal acts, it is rare for the central bank to impose penalties on these institutions, with a total of 40.87 million yuan.

Agricultural Bank of China Jilin Branch fined 12.23 million

According to the punishment information, there are two types of illegal behaviors in Jiangbei branch of Agricultural Bank of China. One is to infringe on the right of consumers personal information to be protected according to law; the other is to violate anti money laundering management regulations and disclose customer information. Jilin central sub branch of the peoples Bank of China issued a warning and imposed a fine of 12.23 million yuan.

In addition, the relevant person in charge of the bank was also punished.

Specifically, Ge Xiaodong, President of Jiangbei sub branch of Agricultural Bank of China, was responsible for violating anti money laundering management regulations and disclosing customer information, and was fined 17500 yuan.

Ding Xiaoyang, an employee of Jiangbei sub branchs business office, was directly responsible for violating the anti money laundering management regulations and disclosing customer information, and was fined 30000 yuan.

Also because of infringement of consumers personal information is protected

In addition to the Agricultural Bank of China, China Construction Bank has the same violations.

On the same day of the ten million level fine issued by Jiangbei sub branch of Agricultural Bank of China, three branches of China Construction Bank were also fined a large sum for violating the rights of consumers personal information to be protected according to law.

The three branches alone were fined a total of 24.53 million yuan.

Bank of China Shizuishan branch fined 4.11 million

In addition, the Bank of China is also successful.

According to the announcement form of administrative punishment information published by Yinchuan Central Branch of the peoples Bank of China, Shizuishan branch of the peoples Bank of China has imposed a fine of 4.11 million yuan on the Bank of Chinas Shizuishan branch for infringing on the right of consumers personal information to be protected according to law.

Article 56, paragraph 1 (9) of the consumer protection law shows that:

The central bank has interviewed relevant financial institutions

Order it to rectify immediately

Behind the massive release of these large tickets, the central bank has made a series of actions and informed on its official website.

On October 21, the official website of the peoples Bank of China announced that the relevant branches of the peoples Bank of China recently filed a case against some financial institutions for infringing on consumers financial information security, and, in accordance with the relevant provisions of the law of the peoples Republic of China on the protection of consumers rights and interests and the anti money laundering law of the peoples Republic of China, the relevant branches of the peoples Bank of China, Jilin Jiangbei sub branch, Shizuishan branch of the Bank of China, and Deyang Branch of CCB, Loudi branch of CCB, Dongying Branch of CCB, Jiande sub branch of CCB and relevant responsible persons were warned and fined.

The above-mentioned fines are the punishment decisions made by the central bank after the investigation of some financial institutions infringement on consumer financial information security.

The person in charge of relevant departments of the peoples Bank of China pointed out that in the early stage, some media reported that employees of individual financial institutions were suspected of divulging consumer financial information. The peoples Bank of China investigated and filed a case according to the principle of territoriality, and found that the financial institutions involved had infringed upon consumers right to financial information security, and the financial institutions involved were seriously investigated and dealt with in accordance with the law and regulations.

Central bank: persisting in fighting against infringement

Zero tolerance of consumer financial information security behavior

From the central banks position, we will continue to seriously investigate and deal with violations of consumer financial information security rights.

The central bank attaches great importance to the protection of consumer financial information and the confidentiality of anti money laundering information, adheres to the zero tolerance of violations of consumer financial information security, and resolutely and severely crack down on violations of the legitimate rights and interests of financial consumers in accordance with the law.

In the next step, the central bank will further strengthen consumer financial information security supervision and anti money laundering information confidentiality work, urge financial institutions to perform their main responsibilities, continuously improve various financial consumer rights and interests mechanisms that are conducive to protecting consumer financial information security and implementing the information confidentiality requirements of the anti money laundering law, and effectively protect the long-term and fundamental interests of financial consumers.

It is worth noting that in answering questions from reporters about the cases of some financial institutions infringing consumers right to financial information security, the responsible person of relevant departments of the peoples Bank of China revealed that the central bank ordered the financial institutions involved to take this as a warning from the following aspects and comprehensively investigate the potential safety risks of consumer financial information protection.

Second, in terms of system construction, financial institutions should continue to improve the business system and anti money laundering system, establish a monitoring model of user abnormal behavior, regularly monitor and plug the technical loopholes and other security risks existing in the system; improve the system function module to ensure that the system generated log can timely, accurately and comprehensively record the query and download operation of information data. In particular, it is necessary to unblock the feedback channels of system users and avoid the phenomenon of double skin of business and technology.

Third, in terms of personnel management, relevant measures should be continuously strengthened. Reasonable authority should be set for the staff who contact with consumer financial information, and effective measures such as internal examination and approval should be taken to control the authority. Professional training and warning education should be carried out comprehensively to effectively avoid the recurrence of disclosing consumer financial information.

Up to now, all involved institutions have carried out rectification and accountability, further improve the internal control mechanism of consumer financial information protection, improve the information security technology preventive measures, and strengthen the employees awareness of consumer financial information security.

Six suggestions on consumer financial information protection

Consumer financial information generally includes personal identity information, property information, account information, credit information, financial transaction information and other information reflecting certain situations of specific individuals. Once these important information is leaked, financial consumers themselves, their families, relatives and friends spirit, reputation and property may be damaged.

First, it is necessary to take good care of identity documents, bank cards, bank (payment) accounts, etc., and do not lend them to others for use;

Second, do not disclose personal financial information, property status and other basic information to others, and do not leave personal financial information in various online and offline channels at will;

Third, try to handle the financial business in person, and do not entrust the unfamiliar person or intermediary to handle the business, so as to guard against the theft of personal financial information;

The fourth is to provide copies of personal identity documents, when handling all kinds of business, the use purpose should be indicated on the copies;

Sixth, dont easily click mobile phone messages, e-mails and unidentified links, dont scan unknown QR codes at random, and use public WiFi and secret free WiFi cautiously; seventh, when discovering the risk of personal financial information leakage, timely contact the public security departments and other departments to protect their rights.

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