Who pays for the money lost in the bank?

Legal analysis: the money deposited in the bank is missing, and the bank is compensated; Based on the deposit facts and records, there is also a deposit contract relationship between banks and depositors, and banks should exercise the obligation of prudent management. If the depositor's deposit disappears without fault or breach of contract, the bank should bear all the liability for compensation. In judicial practice, the scope of compensation is generally principal plus interest (including agreed interest, if there is no agreed interest, it will be calculated according to legal interest).

Legal Basis: Provisions of the Supreme People's Procuratorate on the Standards for Filing Infringement Cases of Dereliction of Duty (II) Crime of Dereliction of Duty (Article 397) The crime of Dereliction of duty refers to the behavior of state functionaries who are seriously irresponsible, fail to perform or fail to perform their duties seriously, resulting in heavy losses to public property, the interests of the state and the people. Anyone suspected of one of the following circumstances shall be placed on file: 1, causing more than 1 person to die, or seriously injuring more than 3 people, or seriously injuring 2 people, or slightly injuring 4 people, or seriously injuring 1 person, slightly injuring 7 people, or slightly injuring1person; 2, causing serious poisoning of more than 20 people; 3. Causing direct economic loss of personal property of more than 6.5438+500,000 yuan, or direct economic loss of less than 6.5438+500,000 yuan, but indirect economic loss of more than 750,000 yuan; 4. Causing direct economic losses of more than 300,000 yuan to the property of public property, legal persons or other organizations, or the direct economic losses are less than 300,000 yuan, but the indirect economic losses are more than 6.5438+500,000 yuan; 5. Although it does not meet the standards of Grade 3 and 4, the total direct economic loss of Grade 3 and 4 is more than 300,000 yuan, or the total direct economic loss is less than 300,000 yuan, but the total indirect economic loss is more than 6.5438+0.5 million yuan; 6. Causing companies, enterprises and other units to stop business, stop production 1 year or more, or go bankrupt; 7. The staff of the customs and foreign exchange administration departments are seriously irresponsible, resulting in fraudulent purchase of foreign exchange of more than US$ 6.5438+0 million or evasion of foreign exchange of more than US$ 6.5438+0 million; 8, serious damage to the national reputation, or cause adverse social impact; 9 other circumstances that cause heavy losses to public property, the interests of the state and the people. State functionaries who neglect their duties and meet the conditions of special dereliction of duty in Chapter IX of the Criminal Law shall be investigated for criminal responsibility in accordance with special provisions; If the subject does not meet the requirements of the special crime of dereliction of duty specified in Chapter IX of the Criminal Law, but the dereliction of duty is suspected of one of the circumstances specified in Items 1 to 9 of the preceding paragraph, criminal responsibility shall be investigated for the crime of dereliction of duty in accordance with the provisions of Article 397 of the Criminal Law.