Freeze and Stop-Pay Management
Chinese source: 冻结止付管理
Locale: en-US
Audience: Internal learning
Business Frame
Freeze and stop-pay management controls account funds or transaction capability without necessarily closing the account. It includes placing freezes, releasing freezes, and renewing existing freezes.
Place freeze -> funds or transaction direction restricted -> release or renew based on business basis.Transaction List
| Code | English Name | Page Type | Study Focus |
|---|---|---|---|
[2001] | Account Freeze | Special account operation | Place amount or direction control. |
[2002] | Account Release / Unfreeze | Special account operation | Release an existing freeze. |
[2003] | Account Freeze Renewal | Special account operation | Extend an existing freeze. |
[2001] Account Freeze
This page places a freeze or stop-pay control on an account or sub-account. The control may affect available balance, transaction direction, withdrawal, closure, or later legal debit.
Reading focus: customer account, sub-account, freeze type, freeze reason code, frozen amount, effective date, expiration date, memo, and authorization.
Risk controls: freeze basis must be clear. Freeze type and reason code must match. Amount freeze requires checking ledger balance and available balance.
[2002] Account Release / Unfreeze
This page releases an existing freeze. It should trace back to the original freeze record and confirm that release is allowed.
Reading focus: original freeze record, customer account, sub-account, frozen amount, frozen balance, release amount, release reason, and operator/authorizer.
Risk controls: releasing the wrong freeze restores fund availability incorrectly. Legal, AML, pledge, or collateral-related freezes require policy and evidence before release.
[2003] Account Freeze Renewal
This page extends an existing freeze. It is used when the business basis remains valid beyond the original expiration date.
Reading focus: original freeze record, current expiration date, new expiration date, frozen balance, renewal reason, and authorization.
Risk controls: missing renewal may release funds too early. Incorrect renewal may over-control customer funds.
Related Concepts
| Concept | Link |
|---|---|
| Freeze and controls | Freeze, Stop-Pay, and Account Controls |
| Balances | Balances, Available Balance, and Frozen Balance |
| Legal debit | Legal Levy and Forced Debit |