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.

Whats more, these tickets are the first tickets issued by the peoples Bank of China against financial institutions for infringing on the right of consumers personal information to be protected according to law.

Agricultural Bank of China Jilin Branch fined 12.23 million

Infringement of consumers right to protection of personal information according to law

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.

Dingmaoyang, an employee of Jiangbei sub branch business office, is directly responsible for violating the anti money laundering management regulations and disclosing the customer information, and is fined 30000 yuan.

China Construction Bank received three large tickets totaling 24.53 million yuan

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.

Bank of China Shizuishan branch was fined 4.11 million

In addition, the Bank of China is also successful.

The public announcement form of administrative penalty information released by Yinchuan Central Branch of the peoples Bank of China shows that the Bank of China Shizuishan branch is fined 4.11 million yuan according to the ninth paragraph of Article 56, paragraph 1, of the consumer rights protection law, for infringing the rights of consumers personal information protected according to law.

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.

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 said that in recent years, consumer financial information protection awareness and management level of financial institutions have been continuously enhanced. However, some staff members of financial institutions have ignored laws and regulations, seriously infringed upon consumers right to financial information security, and even divulged relevant information obtained from performing anti money laundering duties. This reflects that some financial institutions have insufficient awareness of financial consumption rights and interests protection, and internal control still needs to be strengthened.

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 when the head of relevant departments of the peoples Bank of China answers the reporter about the cases of some financial institutions infringing the right to the security of consumer financial information, it revealed that the central bank ordered the financial institutions involved to take this as a warning from the following aspects, and comprehensively investigated the hidden dangers of consumer financial information protection.

First, at the level of system construction, it is clearly required to further improve the internal control system of consumer financial information collection, preservation, use and external provision, and take effective measures to implement various systems.

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.

Financial consumers should focus on the following aspects to protect their financial information security:

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;

Fifth, dont discard the purchase slip, withdrawal slip and credit card statement at will, and destroy the invalid financial business documents in time;

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