銀行數位存款開戶亂象多 金管會畫紅線 - 銀行

By Caroline
at 2022-10-10T22:24
at 2022-10-10T22:24
Table of Contents
來源網址:
https://udn.com/news/story/7239/6674256
為可直接點擊之一行網址,不可有中文網址
內文
銀行數位存款開戶亂象多,金管會畫紅線。金管會昨(8日)備查「數位帳戶作業範本(簡
稱「數存範本」)」允許民眾臨櫃拿雙證件驗證身分並建立影像檔後,可視為開立第一類
數位帳戶,以符合實務需求;但禁止民眾跨行以第一類數位帳戶再另開第三類數存戶,回
歸禁止數存戶再開數存戶的規定。
目前數位帳戶依開戶的身分驗證強度,分3類。第一類是指全新客戶透過自然人憑證線上
開新數存戶,若是以新制、採臨櫃拿證件驗證開戶後,等同一般帳戶;第三類是其他銀行
存款戶線上開戶,每月轉帳限5萬元。
金管會發現,有業者允許客戶可在網路上填寫個人基本資料後,再持雙證件臨櫃驗證開立
第一類數位帳戶,甚至拿雙證件臨櫃再將第三類帳戶升級為第一類,這兩種作法都跟「數
存範本」規定不符,引發爭議。
為避免爭議及因應業者發展多元化身分驗證方式的趨勢,金管會日前要求銀行公會對這兩
大爭議,研擬一致性作法。金管會昨(8日)備查銀行公會的數存範本,有三大修正重點
,一、允許民眾臨櫃拿雙證件驗證身分、並建立影像檔後,可視為開立第一類數位帳戶。
依該範本,民眾需事先在網路填寫並上傳個人資料,並由銀行在後台確認無法以線上做驗
證後,再到臨櫃驗證開戶,可視同開第一類數位帳戶(簡稱「數一帳戶」),等於將目前
部分銀行的實務做法「就地合法化」。
但有銀行主管認為,實務上,目前預約開一般帳戶,就是在網路先填寫資料,再到臨櫃以
雙證件辦理,目前這種認定屬一般戶,未來也可認定是開數一帳戶,「這不是很亂嗎?」
他說,目前臨櫃開立的帳戶是一般戶,數存帳戶是線上完成開立的,這樣的區分很明確,
未來兩者開戶界線愈趨模糊,民眾不易明白數存戶(如無存摺)與一般帳戶(有存摺)區
隔,容易引發爭議。
二、禁止民眾跨行以數一帳戶再另開數三帳戶。銀行公會函覆認為,臨櫃身分驗證開立的
數一帳戶,本質仍屬數位帳戶,若允許另開數三帳戶,恐有違反以數存戶開數存戶的規定
。
其次,銀行公會也認為,第三類數存戶已可透過信用卡、他行帳戶、或手機號碼等驗證身
分方式,已符合客戶需求,因此沒有開放的必要性。據金管會6月底統計,全台國人開立
各銀行數位存款帳戶近1,277萬戶,其中第三類帳戶621.6萬戶、占48.7%,是三類帳戶中
開戶數最多者。
三、民眾若要使用MyData平台「戶政國民身分證資料」資料集的身分資料取代雙證件做驗
證時,得增加「視訊」做身分確認。
心得
禁止民眾跨行以第一類數位帳戶再另開第三類數存戶,回歸禁止數存戶再開數存戶的規定。
有看沒有懂,誰能解釋??
--
不求彩虹,只要雨停。
可就算雨停了,但我仍然在雨中淋濕。
只能佇立著,無法替你撐起一片天。
--
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