The Central Bank Severely Punished! China Construction Bank, Agricultural Bank Of China And Bank Of China Received Large Fines Exceeding 40 Million Yuan

      According to the official website of the people's Bank of China, the relevant branches of the people's Bank of China recently filed a case against some financial institutions' infringement on consumer financial information security. According to the relevant provisions of the law of the people's Republic of China on the protection of consumers' rights and interests and the anti money laundering law of the people's Republic of China, the relevant branches of the people's Bank of China have separately investigated the behaviors of some financial institutions that infringed on the safety of consumer financial information Branches, Deyang Branch of China Construction Bank, Loudi branch of China Construction Bank, Dongying Branch of China Construction Bank, Jiande branch of China Construction Bank and relevant responsible persons shall be warned and fined.

Six financial institutions were punished

1、 The information disclosure behavior of Jilin branch in accordance with the law shows that there are illegal information disclosure behaviors of Jilin Branch of the people's Bank of China; 2. The central bank gave them a warning, and 12.23 million yuan Fine. The then president, vice president, business supervisor and employee of the branch were fined 17500 to 30000 yuan respectively.

2、 Bank of China Shizuishan branch has violated the right of consumers' personal information to be protected according to law, and was punished 4.11 million yuan 。

3、 If the Deyang Branch, Dongying Branch and Loudi branch of China Construction Bank Co., Ltd. infringe upon the right of consumers' personal information to be protected according to law, they shall be fined respectively 14.06 million yuan, 5.14 million yuan and 5.33 million yuan 。 (information of Jiande branch of China Construction Bank has not been publicized yet)

The total amount of penalties imposed by the central bank on these institutions exceeded 40 million yuan At the same time, the central bank also interviewed relevant financial institutions and ordered them to rectify immediately.

The case of some financial institutions violating consumers' right to financial information security

The head of relevant departments of the people's Bank of China said that the people's Bank of China has always attached great importance to the protection of consumer financial information, Adhere to the "zero tolerance" of infringing on consumer financial information security We will resolutely crack down on violations of the legitimate rights and interests of financial consumers in accordance with the law.

In the early stage, some media reported that employees of individual financial institutions were suspected of leaking consumer financial information. The people's 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. While imposing administrative penalties according to law, the people's Bank of China ordered the financial institutions involved in the case to take this as a warning, comprehensively investigate the potential safety hazards of consumer financial information protection, and make timely rectification.

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.

Second, in terms of system construction, Financial institutions should continue to improve the business system and anti money laundering system, establish the monitoring model of user abnormal behavior, regularly monitor and plug the technical loopholes and other security risks in the system; improve the system function module to ensure that the system generated log can record the query and download operation of information data timely, accurately and comprehensively. 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.

How should financial consumers protect their financial information security?

Financial information, financial information, financial information and other information of consumers. Once these important information is leaked, financial consumers themselves, their families, relatives and friends' spirit, reputation and property may be damaged.

The person in charge of the relevant departments of the people's Bank of China said that 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, don't discard the purchase slip, withdrawal slip and credit card statement at will, and destroy the invalid financial business documents in time;

Sixth, don't click on mobile phone messages, e-mails and unidentified links easily, do not scan QR codes of unknown origin at will, and use public WiFi and secret free WiFi cautiously;

Seventh, when discovering the risk of personal financial information leakage, it is necessary to contact the public security and other departments to protect their rights.