Long-hanging accounts usually refer to settlement accounts and personal current savings accounts that have not been paid by units and individuals for more than one year. Banking is also called long-term fixed account or dormant account.
Long-hanging accounts take up a lot of bank resources and are risky. Long-term suspended accounts occupy several times the resources of the bank account system. For a long time, the procedures of account inquiry and fund withdrawal are complicated, time-consuming and laborious. At the same time, due to the bank's long-term non-contact with customers and incorrect accounts, the balance of funds in some accounts is still large. For example, the largest long-term parking account in Shaoguan City is 930,000 yuan, which poses a greater risk of theft and increases the internal control pressure of banks.