The Postal Bank has been beaten upside down, and the incident of depositors' deposits being "embezzled" has aroused concern
2.43 million in the president's deposit"Swallowed"After going to court, the bank replied: Don't carry the black pot, the party has poor security awareness, and he should be held responsible!
Some time ago, the Post Bank encountered a hot chase, and things were quite shameful, of course, this is also the regular operation of the National Bank.
It is understood that Mr. Li, a depositor, deposited 2.43 million euros at the Nanjing branch of the Postal Savings Bank many times and also received a deposit certificate issued by the bank, but when Mr. Li urgently needed money, he found that his money was swallowed up.
In addition to the fact that the information on the first deposit was true, the passbook in Mr. Li's other deposit records was also fake. Later, after investigation, it turned out that the money was deposited by the president of the Nanjing Post Branch at that time, and it was ** by Mr. Mu Ning.
After the East Window incident, the president **, but the bank refused to compensate Li 2.43 million euros. The reply from the Japan Post Bank was:"I don't take responsibility, the problem lies with the depositor Li, he did not fulfill his duty of care, and the branch president stole the deposit, so the bank is not responsible, and Li must bear the loss alone. "
To put it bluntly, banks don't want to lose face. If according to the logic proposed by the postal bank, depositors go to the bank to make deposits, do they still have to take it?"Magnifier"To assess whether the bank staff are trustworthy, and then to determine whether the savings process is compliant, and then to save money?If these steps are not followed, will the depositor be liable if the deposit is lost?Isn't this too dishonest!
Speaking of this, I suddenly remembered an incident that happened in April last year when the depository was missing. In that year, the incident occurred in the Guangxi branch of the Industrial and Commercial Bank of China, and the cause was that the bank had 2The deposits of 500 million depositors disappeared, and after investigation, it was determined that the money belonged to Liang Jianhong, an executive of the financial services department of the industrial and commercial branch, who had transferred the money privately, and the depositors' deposit receipts were also forged by Liang Jianhong.
Do you know what the final decision of the court is?The court ruled that the depositor's loss was the personal act of the executive, and the bank was not liable to compensate!Doesn't that sound ridiculous?The depositor deposited the money in the bank, but the bank executives quietly transferred it after the incident, and the bank did not have to take responsibility.
In my opinion, whether it is the 2.43 million deposits that disappeared from the postal bank this time, or the 2500 million deposits were transferred by bank executives, and the essence of them was that bank executives used depositors"Stealing"The trust of the bank, and the reason why depositors will be deceived is also because they believe too much in the bank's creditworthiness, after all, whether it is a postal service or an industrial and commercial branch, they are all part of the bank. Whether it is postal or industrial and commercial, they are the most well-known banks in the country, so many people trust them unreservedly.
From this point of view, the bank should be responsible for the loss of money and property of depositors!Take another 10,000 steps back and say that these bank executives are also selected by the bank itself, so in a strict sense, this is also the bank's failure to take care of people, resulting in depositors suffering economic losses, and the bank should compensate them!
But the sad reality is that these losses, in the end, are often borne by the depositors themselves, and the banks take responsibility away in a few words, which is too irrational and overbearing!
Speaking of which, I can't help but think of an incident that happened some time ago: Silicon Valley Bank in the United States suddenly declared bankruptcy, and the interests of many depositors were damaged and the money could not be withdrawn, but do you know what the final result was?The Federal Reserve announced at lightning speed that it would cover all depositors' deposits. Soon after, Silicon Valley Bank reopened, and depositors' deposits could be withdrawn normally.
Although the nature of the incident is slightly different, it can be seen that the United States has indeed done a relatively good job in protecting the rights and interests of depositors