In 2013, an old man was lying unconscious in a corner of a bank, surrounded by people. These people did not care that the old man was dying, but was making loud noises and arguing with themselves. The crowd had already surrounded the bank on three floors inside and three floors outside, but no one could understand why this group of people were insulting each other in public. The old man's face was getting more and more ugly, and his breathing was so weak that he was about to become imperceptible.
A doctor in a white coat looked nervous and came forward to check on the old man. With a pair of stethoscopes in his hand, he walked toward the old man. But before the doctor could get to the old man,the man standing next to him suddenly pushed the doctor away with excitement and shouted, "This is my father, what do you want to do?" ”
The doctor advised bitterly: "The old man looks like he can't do it anymore, so go to the hospital early to see the emergency department!" ”
But several tyrannical people did not allow the doctor to rescue the elderly, and even threatened to beat the doctor violently. Seeing that the attitude of the elderly family was so tough, the doctor could only turn around and leave. The family members of the elderly and the bank clerks continued to quarrel, but they failed to notice that the old man had long since died during their dispute.
What caused such a dying old man to die in the bank? Why is it that his children and relatives are obviously around, but they do not allow the elderly to receive medical treatment from doctors? What is the truth of the matter?
1． My father was seriously ill and desperately needed money to save his life
2013 was a difficult year for Mr. Deng, who lives in Gaozhou City, Guangzhou Province. Originally, the family was not rich, and the family worked hard to earn money, just enough to cover their own expenses. The roof leaked in the overnight rain, and Mr. Deng's seventy-year-old father was getting weaker and weaker, suffering from a stroke and seriously ill in bed.
Mr. Deng is busy at work and does not have much leisure time to take care of the elderly. Stroke is a very troublesome disease, and patients have almost no ability to take care of themselves. The family sent the elderly to the hospital for treatment, but the effect was not very good, and Deng Jinfang could only rely on drugs to maintain his life. Sometimes the condition is severe, and I have to go to the hospital several times a week for emergency treatment.
The family, which was already stretched out in economic conditions, gradually spent their meager savings. But people's lives are at stake, and Mr. Deng can only continue to insist bitterly. There was not enough money to spend, so he tried to borrow money to circulate. The son's burden is heavy, and the old man is also distressed. On this day, when he went to the hospital for treatment, Mr. Deng Jinfang made an explanation to his children:
"I have been sick for a long time, you have spent a lot of money on my treatment, and I also feel sorry for you." I have some of the money I have saved to prepare for my own pension, but now I will take it out to treat the disease and reduce your financial burden! ”
Mr. Deng told his children that he had more than 20,000 yuan in his passbook. It is enough to support the cost of treating diseases and buying medicines for a period of time. Mr. Deng, who was anxious to use the money to treat his father's illness, took his father's ID card, household registration book, and passbook tickets and other documents the next day to withdraw the money. And it was in the process of withdrawing the money that an accident occurred.
2. Withdrawal process, suffered hardships
According to Mr. Deng, his procedures are complete, and he is expected to have no problems going to the bank to withdraw money. But after arriving at the counter of the Gaozhou Rural Credit Union, the bank's lobby manager refused to withdraw money from him. The manager told Mr. Deng that the money must be withdrawn by himself with a valid certificate and passbook. Moreover, the name on the id card of the elderly Deng Jinfang and the name on the passbook are "Fang" and the other is "Fang", and the inconsistent name cannot guarantee security, so Mr. Deng must go to the village committee to open a certificate before he can withdraw money.
Mr. Deng did not dare to delay, and ran to the village committee to seal and sign the certificate, and when he returned to the bank, he was told that only the certificate of the village committee was not enough, and he had to have the seal and signature of the local police station. At this time, Mr. Deng was already dissatisfied, and he asked the bank why it did not explain all the necessary procedures at once. Even so, Mr. Deng still went to the police station, and after getting the seal and signature, he thought that he could finally withdraw the money this time.
Mr. Deng ran the bank three times and handed over all the formalities to the bank's counter clerk. After waiting for ten minutes, the counter clerk handed Mr. Deng not cash, but a formality, and said: The inconsistency in the name on your passbook has now been changed. Mr. Deng's anger came up at once, and he angrily rebuked the bank clerk that he had come to withdraw money, not to change the name of his father's passbook. My father is now seriously ill waiting for money to save his life, and the bank is doing this to deliberately make things difficult for himself.
What made Mr. Deng even more angry was that the name of his father's passbook was changed, but he could only take the money himself with the certificate. The lobby manager showed a cold attitude towards Mr. Deng:
"You're not the depositor himself, and you can't get the money. You have to have your father himself. ”
Mr. Deng asked directly and angrily:
"If my father is not seriously ill, will he still need me to help him get money?"
The bank's lobby manager was very impatient with him:
"The money in your passbook is only twenty or thirty thousand, you can't take it out yourself, can't you first borrow money to treat the old man?"
The bank manager's words angered Mr. Deng, who loudly reprimanded the bank for embarrassing depositors, and for Mr. Deng Hanlin's reprimand, the manager directly threw down a sentence: "If you want to withdraw money, then pull your father's oxygen tube and infusion needles, pull him to our bank, otherwise you don't want to take out this money." Mr. Deng was very angry about this, but he had no choice but to leave the bank and go home first.
3. It is difficult for banks to withdraw money, and it is often reported
The problem of difficulty in withdrawing money from banks has become a topic of repeated discussion in public opinion. Some are the deposits of the parents, and the children cannot withdraw them; some are that the old deposit experience is too long, and the bank refuses to recognize the high interest rate; and in other cases, the bank deliberately shirks its responsibility under various unreasonable excuses and refuses to withdraw money from the depositor.
Most of these problems are caused by the bureaucracy and dogmatism of banks. Bank leaders worry about taking risks, affecting their own futures, and slacking off on the obligations that need to be held accountable. In this atmosphere, the bank's employees also eat and wait for death, ignoring the troublesome things that need to go through the procedure. This decadent climate has made the bank's wind ratings worse and worse. The media reports and the people's verbal criticism have made the credibility of the bank plummet.
But not all banks do. After all, the black-hearted banks that have been exposed are only a minority, and many banks are still serious about handling things in an attitude of being responsible for depositors. Mainland banks have special countermeasures for these difficult withdrawals. For those customers with limited mobility or serious illness and bedridden, banks have a special handling mechanism for special business.
According to the relevant laws and regulations of the mainland, in order to ensure the safety of depositors' funds, it is a mandatory measure for banks to require depositors themselves to withdraw money at the counter in order to handle business. However, considering that if the depositor himself has suffered an accident and is unable to go to the bank in person, one or more persons with full capacity for civil conduct may be selected as the legal guardian in the depositor's spouse or immediate family. The legal guardian can withdraw money for the depositor.
If the bank refuses to cooperate with the legal guardian, the bank is breaking the law, and the legal guardian can sue the bank. However, in the process of implementation, the vast majority of depositors have been delayed too much energy in disputes with banks, and finally cannot choose it. Only a very small number of depositors choose to use the law to protect their rights and interests, and the bank spends the end.
If, like Mr. Deng's case, his father has limited mobility, and the legal process is too time-consuming and cannot be delayed. In such an emergency, an application for prior enforcement may be made to the people's court in accordance with Article 97 of the Civil Procedure Law of the People's Republic of China. Of course, if the legal guardian obtains the money, it should be used for the affairs of the elderly and may not be diverted for other purposes. Obviously, the laws of the mainland are not cold in black and white, and they are full of human concern for those who need help. After all, rules are dead, people are alive.
4. One-sided words, distorting the truth
According to Mr. Deng's description, after going home to consult with his relatives, he decided to use a scooter to pull the elderly Deng Jinfang to the rural credit cooperative to get the money. But early the next morning, when he and his relatives dragged their father to the bank, the lobby manager of the bank refused to let them in.
There were many people in Deng Hanlin's party, and the bank was afraid that they had come to make trouble, and a fierce conflict broke out between the two sides at the door. The bank staff and Mr. Deng's family pushed and shoved each other, insulted each other, and almost fought, and finally the bank reluctantly agreed to let them go in and withdraw the money. As a result, just after getting the money, the seriously ill old man Deng Jinfang stopped breathing in the bank.
Watching his biological father die in front of him made Mr. Deng, who was a son, simply intolerable. The Deng family insisted that the bank compensate for their losses, and quarreled with the bank again, which led to the opening scene.
In Mr. Deng Hanlin's description, his relatives were completely victims of deliberate hardship by the bank, and it was the bank's inaction and perfunctory that led to his father's death in the bank. But after all, this is only Deng Hanlin's own side of the story, if you want to know the truth of the matter and the specific process, you should also start from other aspects. The surveillance video in the bank just revealed the whole process of the whole incident for us.
Mr. Cheng Jiachong, the head of the bank, was very helpless in the face of the reporter's interview: "The Deng Hanlin family threatened and insulted the bank, and even beat the bank staff. After the matter was exposed, many people criticized the bank, but did you ever think about the difficulties of the bank? "Surveillance video is not deceptive, let's take a closer look at the truth of the facts and Deng Hanlin's description of how much difference there is."
5, the truth is out, unreasonable
According to Mr. Deng's description, the bank first said that the withdrawal required the signature of the village committee, and after he returned with the procedures of the village committee, the bank said that it needed the stamp of the public security bureau. Mr. Cheng Jiachong, the person in charge of the bank, told reporters that because the name of the old man Deng Hanlin's passbook and the name of the bank card were inconsistent, it was necessary to go to the public security bureau and the village committee to stamp it, and their bank explained all the required formalities and documents at one time.
Moreover, in the process of exchanges between the two sides, Deng Hanlin did not mention that the elderly Deng Jinfang was seriously ill. According to the surveillance video, the bank did make it clear at one time that the precautions and required procedures were clear. Apparently, Deng Hanlin lied and deliberately exaggerated the truth in order to shift the blame to the bank.
Regarding Mr. Deng's question about returning to the bank with the procedures of the village committee and the public security bureau, and the bank still refused to handle the withdrawal business, Mr. Cheng replied to the reporter:
After the bank reviewed the information of the elderly Deng Jinfang, it found that his passbook did not have a password set at all. This way his deposit is very risky. Therefore, you must withdraw money in person to handle business. Otherwise, anyone can withdraw money at will with a passbook without a password, and it is difficult to ensure the safety of depositors' funds.
We can know from the video that the bank did inform Deng Hanlin that the deposit did not have a password, so it could not be taken by others. Deng Hanlin accused the bank manager of "asking his father to pull out the needle oxygen tube to come to the bank", which is not shown at all in the video, which is obviously Deng Hanlin slandering the bank. During the monitoring, the bank manager repeatedly explained to Mr. Deng Hanlin that a passbook without a password could not ensure the safety of funds, but Mr. Deng just wouldn't listen. Mr. Deng said his father was ill, but did not say how seriously he was sick.
Finally, Mr. Deng accused the old man Deng Jinfang of being blocked by the bank when he came to the bank to withdraw money, and it was precisely because of the bank's delay that the old man died in the bank. The surveillance footage was clear: "There was no one at the door of the bank who blocked Deng Hanlin and his gang from entering the bank." After they got into the bank, they withdrew the money within six minutes. Therefore, Mr. Deng's accusation is also unfounded.
In the surveillance video, the reporter also saw the truth about the death of the elderly Deng Jinfang: after the bank handed over the deposit to Deng Hanlin, their group did not leave with the old man at the first time, but insulted the manager and staff in the bank and demanded that the bank compensate them for 10,000 yuan of lost work.
They put aside the elderly Deng Jinfang, who was seriously ill, and violently pounded the bank counter glass, demanding compensation from the bank, but the bank did not accede to their unreasonable demands. When they saw that the bank refused, they deliberately pulled the old man to the door of the bank, shouted loudly, and used the way of playing a rogue to attract the attention of others, so as to blackmail the bank.
Under the disturbance of his family, Deng Jinfang, who was already seriously ill, breathed weaker and weaker, while Deng Hanlin and others did not care at all, and only wanted to take the opportunity to blackmail more money from the bank. Instead, the bank clerk found that the old man's condition was critical and quickly called the emergency number. Who knew that The Deng Hanlin family actually blocked all the entrances to the bank with motorcycles and did not allow ambulances and doctors to enter. When the doctor approached, they insulted and did not let the doctor rescue the elderly.
The follow-up reporter interviewed Dr. Huang Xiangli, an emergency officer at the Gaozhou Health Center, and learned that the doctors wanted to check the safety status of the elderly as soon as possible, but Deng Hanlin and his gang had a very poor attitude towards doctors. They threatened:
The affairs of our family have a bullshit relationship with you, you hurry up, and if you dare to come and take care of things, we will beat you to death.
In desperation, the doctor can only watch as the old man's vital signs become weaker and weaker. A few hours later, the hospital was desperate to rescue people and sent out ambulances again. This time, Mr. Deng's family did not refuse, but the old man had already stopped breathing in the process of Mr. Deng insulting the bank, threatening the doctor, and blackmailing money.
6. The alarm bell is long, which is regrettable
Originally, people thought that this was another bank that made it difficult for customers to deliberately delay withdrawing money perfunctorily, resulting in a fatal accident. However, the facts are very different, and the unfilial son and the relatives without conscience maliciously blackmail the bank, disregard the life of the elderly, and even the death of the old man has become a chip for the greedy relatives to blackmail the bank. Is this a distortion of human nature or a moral degeneration?
Banks do have many problems, such as rigid attitudes and inflexible business handling, cumbersome procedures, and failure to help depositors with urgent matters to solve the problem of withdrawing money. This is a common problem in banks, and it is also a bad atmosphere that we have been criticizing.
But the bank's actions are not the direct cause of killing the elderly. If it were not for the reporter's insistence on visiting, if it were not for the truth presented by the surveillance video, then public opinion would definitely be one-sided and biased toward Mr. Deng's fabrication of the lie of slandering the bank, which is also a thing that each of us needs to reflect on. Afterwards, Deng Hanlin put forward three conditions to the bank:
First, the bank wants to compensate their family for 400,000 yuan;
Second, the bank and the government should be responsible for all the funeral affairs of the elderly Deng Jinfang, and they should be buried in the earth, and no cremation should be allowed;
The third is to ask the lobby manager of the bank to accompany the elderly Deng Jinfang to the funeral.
Not to mention that Deng Hanlin and his gang blamed themselves, did not take the old man away after getting the deposit, but maliciously blackmailed the bank, only to kill the old man Deng Jinfang, the bank was not obliged to be responsible for their family's funeral. The prohibition of cremation, as long as the requirement of burial is a complete indication that this family still has a serious feudal bad habit. As for the third point, asking bank managers to bury their families is no longer an ordinary unreasonable request, and it is hard to imagine that in Guangzhou in 2013, this kind of thing can be seen.
After that, Deng Hanlin's family knelt under the bank and burned paper, and put the old man Deng Jinfang in the bank lobby, causing the whole street to be smoky and miasma, which seriously affected the order, and their behavior obviously had the meaning of "asking for a price for the corpse". In order to settle the matter and for humanitarian reasons, the bank compensated Deng Hanlin's family for a pension of 130,000 yuan.
In the end, Mr. Deng received a pension in exchange for his father's life, and the bank manager was suspended for investigation. Poor old man Deng Jinfang did not receive help before he died, no relatives cried for him after his death, and even his sons and relatives smiled happily after receiving the bank's compensation, not caring that they had just lost a relative.
epilogue:
If banks had been less bureaucratic and dogmatic, they might have been able to avoid this tragedy. If Deng Hanlin had taken his father back to the hospital immediately after receiving the money, he might have been able to avoid his father's death. Most importantly, if one had been less greedy and more conscientious, things might not have happened at all.
Unfortunately, there is no such thing as Deng Hanlin and his relatives who deserve to be spurned by everyone, and the bank has also been punished for its work ethos. The truth is already in people's hearts.