Recently, the State Administration of Financial Supervision and Administration organized a special work to remind and remind banks of "sleeping accounts". The relevant person in charge of the State Administration of Financial Regulation stated that "sleeping accounts" are related to the vital interests of consumers. The special work for reminding and notifying "sleeping accounts" will continue for one year starting from October 2023, and various banking institutions will remind and notify the holders of "sleeping accounts". By reminding consumers about their bank account opening status through the "Sleepy Account" reminder, they can promptly view, use or cancel redundant accounts, and improve the efficiency of fund utilization. A 'sleeping account' mainly refers to an individual bank account that has not engaged in active transactions for 5 years or more and has a balance in the account. Since the beginning of this year, multiple banks have issued announcements to carry out the cleaning of "sleeping accounts". Overall, multiple banks mainly focus on two aspects in identifying individuals who have not used their accounts for a long time: first, the time period, which focuses on the fact that there have been no active transactions such as deposits, withdrawals, transfers, or consumption in the past three years. The second is the account balance, and most banks tend to set the balance range between zero and one hundred yuan. Sleep cards that meet the above two aspects may be included in the cleaning scope. Several banks have already started cleaning up their 'sleeping accounts'. Some banks remind cardholders through text messages or other means, while others have made it clear that some' sleeping accounts' will no longer be able to be used after being cancelled. From the perspective of cardholders, if they plan to resume the use of bank cards that have not been used for a long time, they should respond promptly and provide the necessary information, deposit or withdraw funds, and other operations after receiving the bank's notification of "sleeping account" clearance. If cardholders do not intend to continue using their sleep cards, they can consider closing their accounts to avoid unnecessary risks and hidden dangers caused by bank clearance. "Du Yang, a researcher at the Bank of China Research Institute, said that the clearance of" sleeping accounts "by multiple banks is mainly based on two reasons: firstly, there is a certain risk of" sleeping accounts ", such as account information leakage. Banks need to clean up these unused accounts in a timely manner to reduce the likelihood of risk occurrence. The second reason is that 'sleeping accounts' occupy bank resources, such as server space and system processing power. By clearing' sleeping accounts', bank resources can be released and operational efficiency can be improved. According to data from the People's Bank of China, as of the end of the second quarter of this year, a total of 9.621 billion bank cards were issued nationwide, an increase of 0.50% month on month, with 6.81 bank cards held per capita. The reporter learned in the interview that many cardholders have multiple bank cards, and some cards are not commonly used and even forget their passwords and balance. Industry insiders remind cardholders to actively respond to this action, inspect and manage their bank accounts to ensure their financial security and interests. Long term unused 'sleeping accounts' may bring financial crime risks such as fraud and money laundering. Clearing' sleeping accounts' is an important way to prevent money laundering risks and strengthen bank account management, "said Chen Hao, a senior researcher in financial supervision at Industrial Research Corporation. How to protect cardholders' rights from the impact of clearing 'sleeping accounts'? Du Yang stated that from the perspective of banks, the key is to accurately determine the issue of 'sleeping accounts'. For example, banks need to consider long-term