The author started saving money when he was in the third grade of elementary school. It was really not easy to make money at that time. The first time I made money was to go up the mountain with Fan Shuxin, cut grass and dig wild vegetables, and then send it to the dairy farm in the ravine behind Taishan cold storage. The dairy farm bought green grass and wild vegetables, and each market kilogram was 3 cents, and it was only 3 cents to make 10 kilograms of grass. That day, I mowed a total of 43 kilograms of grass and 3 taels of grass. The dairy farm gave me 1 cent and 3 cents.
The author took this "huge sum of money" and ran to the bank window of the cooperative located in Houhetao, depositing the 10 cents and 3 cents into the bank. Since then, every Sunday I would go up the mountain to mow grass, dig wild vegetables, and then store the money in the bank. After a year, I almost earned three or four yuan.
My grandma also often goes up the mountain to pick things that can be sold for money, and she also spins asbestos to make money. Every time my grandma received the money, I would accompany her to deposit it in the bank. When the bank receives the depositor's money, it will send a passbook, which will fill in the amount of the deposit with a pen. Every time you deposit and withdraw, the amount on the passbook will change.
It is a habit for almost all Chinese people to have money to store in the bank, and only a small number of people keep their money at home. Why do people like to deposit money in the bank? Because banks are trustworthy and have a good service attitude, money is the safest to store in banks, and banks have become people's first choice for saving money. At that time, there were only ICBC , Agricultural Bank of China, Construction Bank and Bank of China in the city, and there were credit cooperatives in rural areas. Because there are not many banks and very few business outlets, people have to go a long way to deposit and withdraw money.
I don’t know when it started, but there were suddenly more banks. In addition to the four state-owned banks mentioned above, there are many banks of different systems, including Bank of Communications, China Merchants Bank, Urban Commercial Bank, , Rural Commercial Bank, , rural banks, and many other banks. When there were too many banks, banks changed their business model and almost all banks began to attract deposits. The biggest change is that what banks sell to depositors is not the bank's savings business, but the strange insurance business, fund business, wealth management business, , bond business, etc.
has some years, and many banks have launched value-preserving deposit business, high-interest deposit-raising business, etc. A value-preserving deposit is in addition to the specified interest. When the deposit expires, the deposit at that time can be maintained based on the rising price. I can’t remember which year it was, the interest rate for the preserving deposit at that time, and the preserving deposit rate was added to the preserving deposit. The money could double the principal after 5-6 years of deposit in the bank. Unfortunately, this kind of value-preserving deposit was just a flash in the pan and it didn't count later. Just as for this matter, the bank does not keep its word, has no sense of contract, and throws away its credibility.
Many banks have also launched high-interest deposit business. In addition to normal interest, banks will add a "reward" to savers and cash out when the deposit is deposited. They are called "discount" and are the cake that some banks can tempt depositors. If the depositor has urgent matters and wants to withdraw the money in advance, this "discount" must be returned.
What's more, when banks see depositors come to save money, the salesperson will take the person who wants to save money aside, introduce a "value-preserving" product or "high interest" fundraising boss to the depositor, deceive the depositor to buy "value-preserving" products, or hand over the money to the company account that raises funds with high interest. Sometimes, after the savings person will deposit the front foot, the back foot business manager will pay attention to the savings person’s information and password you just got, and transfer the money away for profit without permission. Once many depositors go to the bank to handle savings business, the bank's salesperson will recommend that the depositors start online banking or telephone banking business, and also ask the depositors to apply for U shield , apply for bank cards that can be overdrafted, etc.
When these various new businesses flooded the bank's business premises, the people who came to save money were confused, and even those bosses with high IQs were confused.The interest rates and annualized returns of various products informed by banking business personnel are too tempting. Many people are unable to distinguish the authenticity of these businesses under the instigation of banking business personnel. Those with lower education think that banking staff are introducing new savings businesses. So, many people bought insurance in the bank, bought funds , bought financial products, bought bonds, handled high-interest deposits, opened online banks, telephone banks, set passwords in the bank, received U-shield, and applied for bank cards that could be overdrafted. When deposits expire or deposits are lost, many people have conflicts with the bank.
1. When a bank sells non-bank wealth management products in business premises, it causes the bank to lose its reputation.
When depositors who purchase insurance, funds, and financial management are sold under the promotion of bank staff, they are often told: "You are buying insurance. If you cancel the insurance in advance, you can only get the principal back? %. The worst thing is that someone cancels the insurance, and even 50% of the principal cannot be obtained. At this time, those depositors who do not have much education and are older realize that they have been fooled. When they negotiate with the bank, the bank pushed and said with a cold face: "This matter has nothing to do with the bank. The person who sells XX products is not the bank's personnel. "
In fact, the bank knew that this was a fraud by its staff. In order to shirk responsibility and to protect the remuneration they had received, they could only lie with their eyes and refuse to admit their accounts. Because the staff of the bank were all dressed in the same clothes and smiled the same to the customers, depositors could not remember which bank staff was cheating them. Therefore, the bank would blatantly deny that their staff was cheating.
For example, Cheng, who was in his 70s in Beijing, went to the bank to transfer deposit business, and financial manager Zhao introduced a piece to the old man. Products with higher returns promise to guarantee customers' return and profits when they expire. Under the induction of Zhao, Cheng purchased all 2.15 million bank deposits to fund management. A year later, Cheng sued the bank in court without receiving any payment.
After trial, the court held that Cheng had not fulfilled his obligation to identify the prudent identification of the purchase of financial products and should bear part of the responsibility himself. The personal financial services such as commercial banks provide customers with high technical, specialized and intellectual judgment, which makes it necessary for customers to have a high trust relationship. In order to sell commissions, Zhao sold him in violation of regulations in the bank. His financial products are basically the same as those of the bank's financial products, which reduces the difference between the two types of products, objectively providing conditions for Zhao to sell illegal products. Bank failed to pass effective internal control measures to discover and correct employee Zhao's private sales behavior, which violated the prudent business rules , and there is a fault. Cheng's losses are legally causal and related to the bank's fault, and he should bear certain compensation liability.
According to Article 1172 of the " Civil Code ", Cheng's losses and Zhao's fault degree with the bank, he will be deducted criminal cases in deduction of criminal cases. After the refund amount, the bank should bear 20% of the fault, compensate Cheng 422,418.21 yuan, and reject Cheng's other lawsuit requests.
This judgment states: Bank staff sells insurance, funds, financial management and other products as bank staff in the business premises. If customers make mistakes in judgment and cause losses, the bank must bear the liability for compensation for the fault that violates the prudent business rules. At present, many banks promote non-bank wealth management products in large quantities, resulting in huge losses from customers, and the bank's social credibility is basically lost.
2. Bank staff used their identities to deceive depositors, resulting in serious loss of the bank's reputation
W in Yuncheng, Shanxi, introduced by someone to go to the office of Xi, the head of a bank, to handle high-interest deposits. Xi issued two whole deposit certificates of deposit stamped with bank business seals to Wu, with an annual interest rate of 2.25%, and a deposit period of one year.Xi issued two guaranteed payment letters stamped with the bank's official seal to Wu, and paid Wu's benefit fee of 1.572 million yuan at a rate of 15.72%, of which 1 million yuan was included in the savings certificate. After the certificate of deposit expired, Wu was told by the bank that the certificate of deposit was fake when he went to withdraw the money. Xi was detained for suspected crime and asked Wu to call the police.
After Wu called the police, he only got 673,500 yuan back from the public security organs. After Xi was sentenced, Wu sued the bank and demanded that the remaining principal and interest be paid. Wu believes that he is a savings contract relationship formed between Xi's office and the bank; the guarantee letter is legal and valid as a bank's guarantee for debts; the guarantee letter issued by Xi is a guarantee for debts and should be protected by law; Xi's deposit absorption is a duty act, which constitutes an explanatory agent, and the consequences of his actions should be borne by the bank.
Bank defense: There has been a criminal judgment in this case, and the plaintiff can resolve it through the recovery of the stolen goods, and the prosecution should be rejected in accordance with the law; in order to obtain the benefits, Wu handed over the money to the criminal without forming a savings contract relationship with the bank. After deducting the benefits obtained by Wu, the amount that Xi should pay was 6.7545 million yuan; the guarantee letter issued by Xi is not a guarantee of a debt or contract and is not protected by law; Xi forged financial tickets and illegally absorbed public deposits is not an exaggeration agent.
The first instance court held that Xi was the bank's person in charge when absorbing Wu's deposits and delivered by Wu during office hours. The seal of the certificate of deposit issued by Xi to Wu and the official seal of the guaranteed redemption letter issued by Xi was real. The bank management was chaotic and he was at fault for Wu's deposit losses and should bear the liability for compensation at fault. In order to pursue high benefits and violate savings regulations, Wu should bear the interest loss at his own expense. His income benefits of RMB 1572,000 and the rebate of RMB 673,500 should be deducted from the amount stated in the certificate of deposit. Finally, the court ruled that the bank compensate Wu for 65% of the losses, that is, 5040,425 yuan. After the bank performs the compensation, it has the right to seek compensation from Xi.
From this case, the location, certificates and official seals used by the bank on behalf of the bank to commit fraud against the savings person are all from the bank, which constitutes an explanatory agent for the customer. After the incident, the bank refused to admit its mistake and refused to compensate. After the court ruled to compensate, the bank's credibility suffered serious losses.
3. When a bank fails that may cause loss to customers, its indifferent attitude towards customers will cause serious losses to the bank's credibility.
A couple in Harbin deposited 20,000 yuan on the ATM of a bank. The order printed after the machine swallowed the money was blank. The couple went to the bank to deal with it, but the bank staff ignored them. The depositor called the mediator, and the bank's head came forward and said: Let the depositor come again after the machine is repaired. The depositor asked the bank to issue a certificate to him, but the bank disagreed, so the couple who deposited the money had to wait at the bank gate. The bank had no choice but to ask the staff to count the money in the ATM and then make a depositor account.
From this matter, the bank's service attitude is cold and irresponsible. The bank could have solved the problem at that time, but it deliberately did not solve the problem. If the depositor leaves the scene, the bank may use the public notice sign "No responsibility for leaving the counter". Some netizens said: "Don't believe the nonsense of the bank. First persuade people to leave, then turn against others!"
Some netizens said: "Now banks have slowly eaten up the people's trust in the bank bit by bit!"
In fact, automatic deposit machines are set up by banks. If a failure occurs, they should be solved on the spot. If they are not resolved, they are breach of contract or infringement. It is the bank's legal obligation to provide security to customers. If the bank fails to fulfill its obligations, it will lose its reputation. In fact, depositors can solve the problem by calling the police or complaining to the China Banking Regulatory Commission. If a loss really occurs, the bank can also be sued to ask the bank to bear the corresponding legal liability.
In recent years, many banks have also colluded internally and externally to impersonate others to obtain loans. When the impersonated borrower finds that his credit is bad, the bank often refuses to ignore it. When the case was found out that the bank was not well managed by itself and the insider and the outsider colluded with each other to defraud the bank's loan, the bank still refused to restore the credit report to the victim.
For example, the incident in which four township banks in Henan gave red codes to depositors' health codes is hidden behind the incident that banks and fraudsters jointly defraud depositors of depositors. When depositors find problems, they use red codes to damage the interests of depositors. The various phenomena listed above in
are just a small number of misconduct in banks today. Many commercial banks need to absorb large amounts of deposits to own lending funds and obtain profits . In the case of different ownership banks competing with each other, some banks have adopted some abnormal means to maintain their operations in order to maintain their operations. For example, forcing employees to acquire deposits, attract deposits at high interest rates, requiring bank employees to promote various insurance, funds, financial products, etc. This has led to chaos in the management of many commercial banks and a large number of various deceptive acts of depositors, which has seriously damaged the credibility of banks. Relevant state departments should strictly manage and regulate all types of commercial banks to restore the credibility of commercial banks in order to truly provide high-quality services for the construction of socialist economy.
