Banks are probably no stranger to everyone. In ancient times, there were rich houses, modern banks, no matter when and where, there are institutions that can meet the savings needs of the Chinese people.
Chinese love to save money, it is already known all over the world. As the world's largest savings country, although China's savings rate has fallen off a cliff, it is still ranked first in the world.
According to the "Financial Statistics Report" released by the central bank, as of the end of March 2021, China's RMB deposit balance was 220.92 trillion yuan, an increase of 9.9% year-on-year. Obviously, even after the impact of the epidemic, the ability of Chinese people to save money is still beyond doubt.
At the same time, everyone's enthusiasm for deposits also reflects everyone's trust in the bank, after all, most of the Chinese people put their "belongings" in the bank, which is also a good deal for the bank.
However, depositors have great trust in banks, but banks do not trust depositors as much. I believe that friends who have been to the bank to do business know that every office window of the bank has posted such a sentence: leaving the counter is not responsible!
The meaning of this sentence is known to everyone, that is, whether it is withdrawing money or transferring money, you must confirm it before leaving the counter, because once you leave the counter, even if you are given 100,000 yuan less, the bank will not bear any responsibility, and the money will not be returned to you.
For this logo, many people feel that it is the "overlord clause" of the bank, and the reason is very simple, the depositor takes less money The bank is not responsible, but once the depositor takes more money, things are not so simple...
Earlier, a depositor in Fujian Province withdrew money from a local bank, the amount of withdrawal was 40,000 yuan, and after the bank staff accepted the business, they gave the depositor 50,000 yuan due to a work error, and the depositor left the bank after getting the money.
When it came time to reconcile the accounts at night, the bank staff found that 10,000 yuan was missing, and after checking the video, they found that the money was given to a depositor during the day.
Seeing this, many people will subconsciously think of a sentence: leaving the cabinet is not responsible. It is also true that under normal circumstances, banks will respond to the situation that depositors withdraw less money with the phrase "no one is responsible for leaving the counter", so in the case of depositors taking more money, everyone will also take it for granted that the money does not need to be returned.
The result is just the opposite, the bank takes more of your money is no problem, but if you take more money from the bank, then the problem is big.
For the depositor in Fujian to withdraw 10,000 yuan more from the bank, the bank's staff contacted the depositor at the first time after learning of the situation, but the depositor refused to repay the withdrawal of 10,000 yuan on the grounds that "leaving the counter is not responsible".
In the case of last resort, the bank can only choose to sue the depositor, and the final result is also surprising, in front of the court, the words "no responsibility for leaving the cabinet" do not work, and finally the court sentenced the depositor on the grounds of "constituting improper gains", and the 10,000 yuan finally returned to the bank's pocket.
For such a situation, in fact, everyone is not unfamiliar, the reason is very simple, the bank's requirements are only for depositors, once the depositors take more money, in the end it is still to return to the bank.