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实名制施行以来,银行如何保证不让外界人员及内部员工随意接触储户的账户、防止储户资金受到侵犯?记者日前走访了中国建设银行和北京商业银行。北京商业银行于1998年专门出台文件,从十来个法律法规中,把有权利到银行查询、冻结和扣划储户帐户的机构及相关手续作了归纳,以文件形式分发到各支行。可查询储户帐户的机构如下:县级和县级以上的人民法院、人民检察院、公安机关、国家监察机关、审计机关、税务机关和军队军以上保卫部门。这些机构在查询前需出示的证件和文件有三项:单位介绍信、本人工作证或执行公务证、协助查询某人存款的通知书。通知书上要写清查询原因、某人存款的户名以及账号,如果此人已被立案侦查,还需在通知书上提供案卷号。据称,实行实名制后,通知书今后还得写上某人的身份证号码。可冻结储户帐户的机构是:县级和县级以上的人
Since the implementation of the real-name system, how does the bank guarantee that outsiders and internal staff will not be allowed to freely access the accounts of savers and prevent savers from being violated? Reporters recently visited China Construction Bank and Beijing Commercial Bank. Beijing Commercial Bank issued a special document in 1998, from a dozen laws and regulations, summarized the bodies that have the right to bank inquiries, froze and deducted depositor accounts, and distributed them to all branches in the form of documents. The institutions that can check accounts of depositors are as follows: People’s courts at the county level and above the county level, people’s procuratorates, public security organs, state supervisory organs, auditing agencies, tax authorities and security departments above the military army. There are three documents and documents that these institutions need to produce prior to inquiries: letter of introduction, my work permit or official certificate, and a notice to assist in checking a person’s deposit. Notice to write out the reasons for the inquiry, a person’s deposit account and account number, if the person has been placed on file for investigation, the notice also need to provide the case number. Allegedly, after the implementation of the system of real names, the notice must write someone’s identity card number in the future. The institutions that can freeze deposit account are: people at county level and above