The bank gave more than 2 thousand, and the depositor said that he was not responsible for leaving the cabinet! The court sentenced

Since ancient times, people in China have a very strict concept of saving money, so China has always been known as a "big saving country". According to relevant data, in 22, the total deposits of residents in China reached 93.44 trillion yuan, an increase of 11.3 trillion yuan compared with the previous year, and the per capita deposits were about 66,7 yuan.

As a financial institution with great social status in China, banks are in charge of the national economic lifeline and are closely related to everyone's life. Although many third-party network wealth management products emerge in an endless stream, there are still many people who regard deposits and bank wealth management products as their main investment methods, especially for middle-aged and elderly people, there is nothing safer than putting money in the bank.

In the past, people had to go to the bank counter for real-name handling when handling related financial business. Later, with the emergence of ATM machines, some basic banking businesses could be simply operated on the machine, such as deposit, withdrawal, transfer and balance inquiry.

Nowadays, with the prevalence of Internet finance, many banks have also launched APP and WeChat official account, and many banking businesses can be handled online. And through mobile payment, people's demand for cash is getting less and less, but for some users who need to use cash transactions, they still have to go to the bank lobby to handle it.

Then, I believe that many people who have been to the bank for business will pay attention to an eye-catching slogan, that is, "Cash is counted face to face, and you are not responsible for leaving the counter". This means that depositors must make a face-to-face inventory when handling cash withdrawal business, otherwise any mistakes and omissions that occur once they leave will be borne by depositors themselves.

At this time, someone raised a question. If the depositor didn't count the amount of cash personally, but the bank gave more cash, it was only after leaving the counter that it was discovered that according to the sign of "leaving the counter is not responsible", did the depositor still need to return the extra money to the bank?

in response to this question, there are indeed real cases in China's banking industry. When Mr. Zhang from Zhejiang handled the withdrawal business in the bank, due to the mistake of the bank teller, he gave Mr. Zhang 2 yuan more in cash when he entered the amount. Later, when he conducted business inquiry and liquidation in the bank, the bank staff found that he was missing 2 yuan, but Mr. Zhang had already left the bank lobby.

Later, the bank found Mr. Zhang, and after explaining the reasons, he hoped that Mr. Zhang would return the overcharged 2 yuan to the bank as soon as possible. However, at this time, Mr. Zhang has already spent 2, yuan and refused to repay it on the grounds that he is "not responsible for leaving the cabinet". Mr. Zhang believes that this is the result of the unilateral mistake of the bank and should not be borne by himself. This sounds like Mr. Zhang's "three points".

after the negotiation failed, the bank had no choice but to sue Mr. Zhang through legal channels. Unexpectedly, Mr. Zhang ended up losing the case. The court finally ruled that Mr. Zhang's 2 yuan was "unjust enrichment" and should be returned to the bank. When this news came out, it also caused a heated discussion among netizens on the Internet.

Some people think that in view of the principle of "no responsibility for leaving the counter", if people withdraw cash from the bank, the depositors will have to bear the loss, and if they give more, they need to return it. Isn't this the "overlord clause"?

actually, when we put ourselves in the other's shoes, we can understand the bank's practice. Although the bank staff have undergone strict training and selection at all levels, their professionalism is unquestionable, but faced with so many users who need to handle business every day, even machines will inevitably make mistakes, let alone an ordinary person.

and the bank slogan is just to avoid these unnecessary mistakes, reminding everyone that they can take every transaction seriously, so that both sides can better prevent mistakes. Although it is said that the bank made a mistake and gave the depositor more cash to repay, I believe that if the depositor does find that there is a mistake in his fund account after leaving the counter, the bank will certainly actively help find the cause.