It is said that it is safest to put money in the bank, but in mainland China, bank deposits around the “missing”, “lost money” case after case. Recently, a woman surnamed Li in Anyang, Henan Province, said she deposited 722 yuan (RMB, the same below) in the Industrial and Commercial Bank 12 years ago, and now only 20 cents are left in the account. The bank also said: a few years later also have to pay back. The incident has sparked heated debate.
Comprehensive land media reported on the 8th, the woman surnamed Li 12 years ago in the Industrial and Commercial Bank of China deposit of 722 yuan, and then forgot the passbook has not been to withdraw. When she remembered to get it this year, she found only 20 cents left in her account.
Ms. Li said that after she consulted the staff, the bank said that it was deducted from various administrative fees. And that Ms. Li’s bank card is a savings card, the balance is zero for a long Time, and more than 3 years without transaction behavior, will automatically cancel the account.
Ms. Li disclosed that the bank also said, “there is this fee that fee are deducted, and then a few years later will have to pay back!”
The incident has caused a lot of discussion among netizens. Many people questioned how “banks can withhold deposits from depositors by virtue of the name of management fees. There are also netizens mocking: deposit 1 million to great-grandchildren to great-grandchildren hands will be left a few dollars?
There are also netizens to calculate the account: 722 yuan saved for 12 years and finally only 20 cents, that is, an average of a year of various management fees to deduct 60 yuan, 5 yuan a month. Charging a small management fee, do not think it is a bullying clause? Banks use depositors’ money to lend and invest to make money, but really eat the plaintiff to eat the defendant, both sides eat ……
After the incident triggered public criticism, the Industrial and Commercial Bank of China came out to argue that the reason for Ms. Li’s less money is the withholding of pension insurance premiums, and stressed that the bank did not deduct any fees in the name of management account.
Deposit “disappearance”, “lost money” cases occur frequently
In fact, similar deposit “missing”, “lost money” cases in Zhejiang, Henan, Anhui, Hunan and other places repeatedly occur. What makes it even more difficult for depositors to accept is that the deposits in the bank are gone, and actually can not be recovered.
In June 2020, 49 depositors in the Yunmeng branch of the Industrial and Commercial Bank of China in Xiaogan, Hubei, lost a total of 15 million yuan in deposits. The victims found the bank and were told that the money was not deposited in the bank and that it was a fraudulent act by a lobby manager of the bank, who had resigned.
In addition, the mainland Luzhou Laojiao Company’s “150 million yuan deposit loss case” lasted more than five years and was adjudicated on March 24, 2020, with Luzhou Laojiao’s appeal being rejected, requiring it to bear its own losses. The bank involved was ICBC Nanyang Zhongzhou Sub-branch.
According to the Qianjiang Evening News, in early 2014, Mr. Zhang, a depositor at a commercial bank in Hangzhou, found that more than 2 million of his deposits had disappeared when he checked his account, and then complained to the bank and later reported the case.
The police found that the case involved a total of 42 depositors from several commercial banks, with a total of 90.05 million yuan in deposits “missing”. The bank’s inquiry revealed that the money deposited by these depositors had actually been transferred to other people’s accounts.
At that time, the bank replied that the bank found the problem in the self-examination and reported it to the police, the employee involved was an ordinary counter staff of the bank, the bank has made the dismissal process.
In addition, Mr. Liu from Yiwu, Zhejiang Province, deposited 2.5 million yuan to an agricultural bank in Fenghua, Ningbo in 2013, but in early 2015, he found that only 4 yuan was left on the account, and there was not even any transfer record.
Mr. Liu said that he was introduced to deposit the money to Fenghua, more than 200 kilometers away, in order to get a high discount bonus of 10% of the deposit on the spot after depositing the money. And the money is missing, the bank neither newsletter alert, nor phone call to inform.
So after the deposit “disappeared” or “lost money”, is it possible to claim for recovery? In this regard, Xu Yuping, a lawyer at Beijing BOC law firm, said in an interview with the mainland media that the reality is that “it is almost impossible”.
The Central Bank of the Communist Party of China on the implementation of the Savings Management Regulations, although it provides that “the state constitution protects the ownership rights of individuals’ legitimate savings deposits from being infringed.” However, there are no specific provisions on how deposits should be handled in case of fraudulent claims or losses.
Therefore, in the event of lost or fraudulent deposits, most commercial banks often put the blame on individual employees, even “temporary workers”, and the banks themselves do not bear any responsibility, nor do they compensate depositors for their losses.
Mainland netizens are furious, saying they never believe banks can get away with it. Who would dare to deposit money in a Chinese bank.
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