The bank gave an extra 1,600 yuan, but the depositor said that he was "not responsible for leaving the depository." How was the decision finally made?

Nowadays, the scale of bank business is constantly decreasing. At the same time, the bank’s online business is accelerating. In order to provide customers with a more convenient experience and allow more people to save time and handle business online, the bank’s The number of manual counters has decreased, and the number of smart counters has gradually increased. Whether it is social security inquiries or financial account opening, it can be completed in a few minutes under the guidance of staff.

This not only saves time and effort, but also reduces the error rate of banks. In response to the development of the times, major banks are transforming towards intelligent branches. Although there are benefits to intelligently handling business, it is not particularly friendly to middle-aged and elderly people who are not familiar with smartphones. Although smartphones are gradually entering our lives, it is still quite difficult to complete the binding and operation steps.

Both the elderly and young people will inevitably encounter the situation of using cash. The personal non-cash business currently handled by the smart counter is not comprehensive, and some people still need to handle it at the manual counter.

It is worth mentioning that when people handle related business in banks, very few people pay attention to the warm reminder posted above the counter, which states: "You will not be held responsible if you count the cash in person and leave the counter." The slogan is very eye-catching. Then some people wonder, if the bank staff gives the depositor an extra amount of money during the handling process, will the depositor be recovered by the bank after leaving the counter? Is this reasonable?

There was a report on the Internet that when a customer was withdrawing money at a bank counter, the teller accidentally gave the customer an extra 1,600 yuan. The customer did not count the money at the time, so he did not notice that the amount was wrong. The teller The oversight was not discovered in time. When the amount was checked in the afternoon, an error was discovered. So I contacted the customer and hoped to return the extra 1,600 yuan.

The customer responded that he had spent the funds, and that the mistake was not caused intentionally, and the bank posted slogans everywhere proving that the customer was not responsible for any losses after leaving the counter. The restriction should be on both parties, so the refund of 1,600 yuan was refused.

After several disputes between the two parties, the bank had no choice but to take the customer to court. When this news came out, everyone was curious about the court's decision. Later, the customer lost the lawsuit and the court ordered him to return 1,600 yuan, believing that he had violated the interests of the bank. This result is actually expected. Bank executives have also explained that this slogan is mainly to check the amount of funds and avoid property losses caused by carelessness. Once a problem occurs, it will cause some trouble.

If a bank underpays a customer, as long as it can be proven that the loss was caused by the bank, and it is determined that the bank teller's mistake caused the capital loss, the bank still has the right to ask the bank to return the underfunded funds. It will not be because of This slogan has been "bluffed" by banks, and they cannot evade their due responsibilities.

This slogan has no effect from a legal perspective. Whether it is a bank or a customer, this slogan can only serve as a supervisory function and cannot be a unilateral deposit and withdrawal standard for the bank. .

In order to conduct more effective supervision of banks, especially the major state-owned banks, relevant national departments have formulated a number of handling methods. The central bank and the China Banking Regulatory Commission issued an important decision.

Starting from January 1, 2021, relevant departments will carry out strong supervision of the banking system. For example, large banks such as industrial and commercial, agricultural, construction, and China will be included in important banks for stricter supervision. Supervision means, in the follow-up period, the state will update the list of supervised banks every year. The state has strengthened its supervision of various banks. This measure is also very important for people's legitimate rights and interests.

As the country strengthens its supervision of relevant financial institutions, banks’ mechanisms will become more complete in the future, and their systems will become more complete. Staff will not have a bad attitude towards customers because of their extensive work content. , the daily work content will also be more serious.

As a customer of a bank, you will also be more patient with the staff. They need to handle many types of business in a day, and they will naturally be negligent when facing all kinds of customers. When there is a shortage or excess of funds, you should inform the staff in time to avoid all kinds of troubles in the future. Do not dispose of the funds casually after discovering it. When it is convenient for others, it is also convenient for yourself.