英闻天下——393 Banks Carry Out Nationwide ID Verification

 　　Bankcard owners in China should take precautions now. If your bank account was opened any time before June 30th, 2007, you will have to go through an identity verification process when doing business at banks, as all the financial institutions are following China's Central Bank's demand to clean out bogus bank accounts by the end of this year. For more, here's Wang Wei.

 

　　The Central Bank of China has issued a directive demanding banks and financial organizations in the country to carry out thorough identity verification of their clients' accounts. The aim is to wipe out existing bogus accounts and anonymous¹ or pseudonymous accounts, and stop providing services to clients whose identity is unclear.

 

　　Li Weihua is client manager at the Beijing branch of the Industrial and Commercial Bank of China. She says the verification process is not complicated.

 

　　"The verification process is very simple for clients. You only need to bring your bankcard or deposit book and your ID card, and our tellers² will take care of everything. And it can be done at any branch of our bank."

 

　　Two types of accounts are major targets to be verified, namely those opened before June 30th 2007, and those opened after the date with non-residential ID certificates. The nationwide verification work is due to end by the end of this year, so all clients belong to the two types should have their accounts verified before that.

 

　　China initiated³ to put in place a policy of real-name registration⁴ on bank accounts in 2004, but it was not effectively carried out until 2007 when the Ministry⁵ of Public Security and the Central Bank jointly⁶ launched the national residents' information system on June 30th, allowing banks to check clients' information when they opened accounts. And that's why banks now draw the line at June 30th, 2007, for the verification work.

 

　　Lee Jie, a personal deposit manager at China Construction Bank, provides a further explanation.

 

　　"After the system was put into use, when clients wanted to open an account, we were able to compare the information they provided to us with what was registered at the Ministry of Public Security to ensure the information was true and valid⁸. But before that, there might have been accounts opened with forged or fake IDs that we failed to recognize."

 

　　Many have fallen victim to smashing in the past few years, where con⁷ artists use cell phone text messages to deliver the "bait" to get you to transfer money to their bank accounts. Most get away easily since their bank accounts are registered under false names.

 

　　Huang Zhen, director of the financial law school at the Central University of Finance and Economics, says the identity verification can largely deter⁹ such fraud in the future.

 

　　"If the accounts were opened with real names, it would be much easier for the police to place the case on file and investigate. Real-name registration provides a technical base for preventing and clamping down on financial crimes."

 

　　Huang also says corruption¹¹ and financial fraud often involve anonymous or pseudonymous accounts, and wiping out these accounts will certainly help curb¹² such crimes.

 

　　"Large numbers of pseudonymous accounts provide windows for corrupt¹⁰ officials and financial criminals to transfer their assets overseas to wherever they escape and hide. wiping such accounts out can lay a solid foundation for anticorruption work. And if we open officials' bank records to the public in the future, we should make sure they don't have any anonymous accounts in the first place. All works will be in vain if they can keep money in such illegal accounts."

 

　　The Industrial and Commercial Bank of China, China Construction Bank, Bank of China and the Agricultural Bank of China have all started the identity verification work. Banks in Beijing are scheduled to finish checking 70 percent of targeted accounts.

 

　　For CRI, I'm Wang Wei.

1 anonymous   

adj.无名的；匿名的；无特色的

参考例句：

• Sending anonymous letters is a cowardly act.寄匿名信是懦夫的行为。
• The author wishes to remain anonymous.作者希望姓名不公开。

2 tellers   

n.（银行）出纳员( teller的名词复数 )；（投票时的）计票员；讲故事等的人；讲述者

参考例句：

• The tellers were calculating the votes. 计票员正在统计票数。 来自《简明英汉词典》
• The use of automatic tellers is particularly used in large cities. 在大城市里，还特别投入了自动出纳机。 来自辞典例句

3 initiated   

n. 创始人 adj. 新加入的 vt. 开始，创始，启蒙，介绍加入

参考例句：

• He has not yet been thoroughly initiated into the mysteries of computers. 他对计算机的奥秘尚未入门。
• The artist initiated the girl into the art world in France. 这个艺术家介绍这个女孩加入巴黎艺术界。

4 registration   

n.登记，注册，挂号

参考例句：

• Marriage without registration is not recognized by law.法律不承认未登记的婚姻。
• What's your registration number?你挂的是几号？

5 ministry   

n.(政府的)部；牧师

参考例句：

• They sent a deputation to the ministry to complain.他们派了一个代表团到部里投诉。
• We probed the Air Ministry statements.我们调查了空军部的记录。

6 jointly   

ad.联合地，共同地

参考例句：

• Tenants are jointly and severally liable for payment of the rent. 租金由承租人共同且分别承担。
• She owns the house jointly with her husband. 她和丈夫共同拥有这所房子。

7 con   

n.反对的观点，反对者，反对票，肺病；vt.精读，学习，默记；adv.反对地，从反面；adj.欺诈的

参考例句：

• We must be fair and consider the reason pro and con.我们必须公平考虑赞成和反对的理由。
• The motion is adopted non con.因无人投反对票，协议被通过。

8 valid   

adj.有确实根据的；有效的；正当的，合法的

参考例句：

• His claim to own the house is valid.他主张对此屋的所有权有效。
• Do you have valid reasons for your absence?你的缺席有正当理由吗？

9 deter   

vt.阻止，使不敢，吓住

参考例句：

• Failure did not deter us from trying it again.失败并没有能阻挡我们再次进行试验。
• Dogs can deter unwelcome intruders.狗能够阻拦不受欢迎的闯入者。

10 corrupt   

v.贿赂，收买；adj.腐败的，贪污的

参考例句：

• The newspaper alleged the mayor's corrupt practices.那家报纸断言市长有舞弊行为。
• This judge is corrupt.这个法官贪污。

11 corruption   

n.腐败，堕落，贪污

参考例句：

• The people asked the government to hit out against corruption and theft.人民要求政府严惩贪污盗窃。
• The old man reviled against corruption.那老人痛斥了贪污舞弊。

12 curb   

n.场外证券市场，场外交易；vt.制止，抑制

参考例句：

• I could not curb my anger.我按捺不住我的愤怒。
• You must curb your daughter when you are in church.你在教堂时必须管住你的女儿。