何杰：主要原因有三个，一是“大法”存在局限性，“小法”治理有限，缺乏“中法”衔接；二是所有权人和继承人缺乏有效渠道查询账户开立情况；三是金融机构缺乏主动查询账户权利人死亡信息的动力和渠道。
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Members of the Big Ten Conference in 2025-26 include Illinois, Indiana, Iowa, Maryland, Michigan, Michigan State, Minnesota, Nebraska, Northwestern, Ohio State, Oregon, Penn State, Purdue, Rutgers, UCLA, USC, and Wisconsin.
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