What happens if the bank overpays 1000 yuan and the depositor refuses to return it on the grounds of "not being responsible for leaving the counter"?

What happens if the bank overpays 1000 yuan and the depositor refuses to return it on the grounds that he is not responsible for leaving the counter?

Recommendation: In China, many people have the habit of saving money. However, with the popularization of investment and financial management knowledge, many people often use their spare money to buy some financial products, which will bring much higher income, but at the same time it will naturally be accompanied by some risks.

Therefore, for the vast majority of people, it seems to be the most practical to deposit money in banks, especially the "big four banks" in China, because they are state-owned banks, and the deposits placed in banks can also generate interest, which can be regarded as a means of investment and financial management. Compared with other financial management methods, there is less bank risk.

But let's say one thing. Objectively speaking, many people actually have a bad impression of going to the bank to do business, mainly because many commercial banks give users the impression of low efficiency and poor service attitude.

For example, some time ago, there was a news that the boss of a company went to the bank to withdraw money, and the result was looked down upon by the counter salesperson. After that, the boss took away all the hundreds of millions of deposits in this bank in a rage. Finally, the president of this bank can only personally apologize to save the situation. Therefore, as a depositor, although you know that the bank is safer, you should be careful when you are careful. For example, you must confirm it repeatedly when you deposit or withdraw money.

Usually when we deposit money in the bank, the staff will check the amount with you many times, but after all, it is a manual service and there will be errors.

When handling business, you will find some banks slogan "Cash is counted face to face, and you are not responsible for leaving the counter". If so, on the other hand, if the bank makes a mistake, such as giving money to the user 1000 yuan, will it be the bank's own responsibility, not the customer's?

To understand this problem, we must first know, can banks really leave the cabinet irresponsibly?

According to the answer given by professional lawyers, banks give customers more money. If the customer does not return it, on the one hand, it will constitute unjust enrichment in civil law, on the other hand, it may be a large amount and suspected of embezzlement.

In view of unjust enrichment, the bank can bring a civil lawsuit to the court and ask the other party to return the unjust enrichment; In view of misappropriation, the bank can file a criminal private prosecution with the court and request the court to investigate its criminal responsibility for the crime of misappropriation of customers' funds.

Therefore, even if the customer receives the "wrong transfer" from the bank, he must return it in time after receiving the return request from the bank to avoid other unnecessary troubles.

I wonder what you think about this?