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浙江:“个人身后金融事” 一站式查询便民落地,浙江:“个人身后金融事” 一站式查询便民落地_我的网站

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一 |       杭州8月21日电(奚金燕 吴梦霞)亲人离世,逝者名下金融资产该如何查询?如今在浙江,多部门数字化协同破解逝者资产查询难的民生痛点,上线“个人身后金融事”一站式查询服务。    

    
    

Staff members secure aircraft at Hangzhou Xiaoshan International Airport to prepare for Typhoon Dolphin on August 9, 2026. Photo: VCG
    Staff members secure aircraft at Hangzhou Xiaoshan International Airport to prepare for Typhoon Dolphin on August 9, 2026. Photo: VCG
Typhoon Dolphin made landfall in Taizhou, East China's Zhejiang Province, on Sunday afternoon, bringing strong winds up to 42 meters per second and heavy torrential rain to the coastal regions amid a red alert - the highest level in the country's typhoon warning system - issued for it earlier that day. 
Authorities in East China's Fujian have relocated nearly 100,000 residents, while coastal provinces are suspending railway services and canceled flights, making an all-out effort to mitigate possible risks.
The NMC maintained orange rainstorm and blue severe convective weather alerts at 6 am on Sunday, forecasting exceptionally heavy rainfall of 250 to 440 millimeters in some areas along the eastern coast of Zhejiang, with heavy to torrential rains expected across Jiangsu, Zhejiang, Shanghai, and Anhui between Sunday morning and Monday morning, China Central Television (CCTV) reported. 
In response to the typhoon, China's meteorological authority on Sunday upgraded its emergency response for severe meteorological disasters from Level III to Level II.
Fujian raised the emergency response level for typhoon prevention to Level II at 9 am on Sunday.
As Typhoon Dolphin gathers strength and approaches the coastal areas, Fujian's flood control authority, as of 6 pm on Saturday, deployed a total of 17,800 officials to and relocated 98,900 people from high-risk areas, Xinhua News Agency reported on Saturday.
Fujian has suspended all 115 marine engineering projects and moved 290 construction vessels to safe waters, while 55 passenger ferry routes in affected waters have been halted, chinanews.com reported. 
Meanwhile, railway services in the affected regions including Fujian, Zhejiang, Shanghai have also been suspended from Sunday to Monday, according to chinanews.com.
Fujian authorities have urged stronger safety measures for returning vessels, offshore platforms and coastal and island tourism, as well as reinforcement of aquaculture facilities. They also called for timely evacuations from flood- and landslide-prone areas to guard against secondary disasters from the typhoon and heavy rain, chinanews.com reported. 
In Zhejiang, Wenzhou city has closed all 85 A-level national tourist attractions, turned away more than 7,400 visitors and evacuated over 1,600, with the relocation effort ongoing, according to CCTV. Next, Wenzhou will next implement a "five suspensions" policy, halting outdoor group activities, classes, work, business operations and transportation.
All fishing vessels at Shitang Fishing Port in Wenling, Zhejiang, have returned to port, with all personnel evacuated ashore and maritime rescue teams on standby. Authorities urged vessels to stay off the sea during the typhoon. 
In Shanghai, Pudong and Hongqiao airports operated at reduced capacity on Sunday, with nearly 60 percent of flights canceled. A total of 1,384 flights are scheduled to be canceled including 871 at Pudong and 513 at Hongqiao. Passengers are advised to check with their airlines for the latest updates and adjust travel plans accordingly, according to CCTV.
According to Hu Xiao, meteorological analyst at the NMC, the typhoon has several notable features, including its strong intensity and expansive circulation. The typhoon also has several unusual features. Forming unusually far east, near 180°E, it has traveled more than 7,200 kilometers, making its potential landfall in China a rare event and possibly the easternmost such landfall since 1951. Its 12-day lifespan is also well above the typical seven-to-10-day average, CCTV reported. 
According to Ma Jun, director of the Institute of Public and Environmental Affairs, Typhoon Dolphin traveled a long distance and remained at typhoon or severe typhoon strength of its lifespan so far. Despite passing through some areas that were unfavorable to its development, its powerful inner core remained intact, while its extensive cloud system continued to absorb moisture and energy, fueling the potential for torrential rainfall.
The typhoon has remained at sea for more than 260 hours and experienced a rare "three rises and three falls" in intensity. Its unusually long lifespan has allowed it to absorb more moisture and energy, while repeated intensity fluctuations have complicated forecasts of its future track and intensity of wind and rainfall, according to CCTV. 
After landfall, Typhoon Dolphin may move slowly, prolonging heavy rainfall and raising the risk of extreme precipitation and related disasters. Its track later in the week remains uncertain as it could interact with the southwest monsoon and cold air from the northwest, potentially broadening and intensifying its impacts, Ma told the Global Times on Sunday.

。据浙江金融监管局统计,自8月4日“浙里逝安”迭代升级金融资产查询服务功能以来,“个人身后金融事”已累计服务超2000人次。  长期以来,群众办理逝者资产查询存在难题:银行资产、保险保单等金融资产分散在各银行保险机构,继承人需携带亲属关系证明、死亡证明等材料逐家线下核查,流程繁琐、耗时耗力。  为打通服务堵点,浙江金融监管局统筹推进数据互通、流程再造、标准统一,打造全省一站式线上查询渠道。前期历经多轮试点打磨,持续优化迭代功能,稳步推进辖内银行保险机构系统对接,目前浙江省内114家银行保险机构已完成接入,数据共享覆盖面持续拓宽。

二 |   服务上线后,合法继承人可通过“浙里办”APP和浙江省政务服务网提交查询申请,在线上传身份证明、亲属关系证明、死亡证明等材料,无需往返多家银行保险机构网点,即可批量查询逝者名下银行资产及保险保单,真正实现“数据多跑路、群众少跑腿”。浙江金融监管局会同浙江省民政厅同步指导殡仪馆、政务服务大厅(或便民服务中心)、辖内银行保险机构提供咨询引导、材料预审、协助填报等服务。

三 |   据悉,在查询过程中,一方面根据“最小、必要”原则,明确查询标准,区分不同场景在线返回查询结果,在依法保障查询人知情权的同时有效保护逝者隐私。比如,银行资产查询方面,5万元以下小额活期存款,显示账户余额,金额较大或者其他类资产仅显示有资产,并提醒查询人向金融机构核实。保单查询方面目前反馈有无保单的结果,保单详情也需要具体向保险机构核实。  另一方面,浙江金融监管局指导相关金融机构和数据平台建立数据分级分类管理制度,坚持“依法授权、按需调用、安全可控”原则,明确逝者信息查询权限、金融机构提供信息范围等重要事项。落实网络安全相关要求,构建覆盖数据采集、传输、存储、使用全流程管理体系,有效保障信息安全。

四 |   值得注意的是,有关部门提醒,服务查询的结果仅供参考,具体情况以查询人向相关银行保险机构核实结果为准。现实中,情况比较复杂,比如,很多资产数据是时点数据,会发生变化,另外一些资产状态等详细信息也需要具体向金融机构核实。  下一步,浙江金融监管局将持续推动服务扩面提质,不断拓宽数据共享范围,完善线上申报、线下协办全链条办事流程,以数字化、精细化便民服务守护群众财产权益。

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Published on:13:16:55


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