The bank mistakenly transferred 100,000 to other customers. Doesn’t the bank have any responsibility?

Let me start with the conclusion. Not only should the bank bear responsibility, but the entire bank branch, not only the tellers who handled the wrong business, but also the accounting supervisors and presidents must be punished. First of all, everyone must first understand what kind of institution a bank is.

A bank is a profit-making institution, and its core competitiveness is safety and risk-free. If banks often make mistakes like this, who would dare to safely deposit their money in the bank? Therefore, banks have always had a zero-tolerance attitude towards mistakes. No matter who makes a mistake or which department makes a mistake, they will be subject to severe financial penalties or even administrative sanctions.

On the other hand, if a customer receives a mistaken payment and does not cooperate with the bank in repaying it, the bank will sue the customer. This is called restitution of unjust enrichment. So what is the return of unjust enrichment? It means that there is no legal evidence, or the legal basis is lost afterwards and it is confirmed that the benefits are obtained due to causing losses to others, and the obligation to return them should be borne. Secondly, what I want to say is whether the customer is at fault.

The bank teller did a wrong business, resulting in an extra 100,000 yuan in the customer's account. If the customer had no intention of taking it for himself and actively cooperated in returning the money, the customer would have made no mistake at all, and Bank staff will also give certain financial rewards; but if you want to take it for yourself, it will constitute unjust enrichment. If the amount is large, it will also constitute the crime of embezzlement and be punished by criminal law. At that time, the consequences will be more serious. Finally, I would like to talk about the punishment of bank tellers and leaders in charge.

As I said before, every bank adopts a zero-tolerance attitude towards errors. No matter whether similar problems have occurred before or not, as long as they occur once, they will be severely punished. Whether it is the teller who handled the wrong business for you, the accounting supervisor, or the president, all will be implicated. Self-examination reports, financial penalties, and administrative sanctions will all follow, but our customers cannot see it. Rigorousness is the foundation of a banker's life, and there is no room for any cash errors. Once, a bank internal self-inspection, colleagues in the internal audit department found that my colleague's cash was five cents short. The final penalty was a fine of 2,000 yuan. Our bank A monthly performance deduction of 10,000 yuan is probably beyond everyone’s imagination! Conclusion

In short, the bank mistakenly deposited 100,000 yuan to the customer. It is absolutely the bank's mistake, and internal punishment will definitely be inevitable. Therefore, the customer does not have to worry that the bank is not responsible at all and every inconvenience caused to the customer Every bank will be deeply sorry. So, it's just that you can't see it, not that you don't deal with it.