The bank made a mistake of converting 800 yuan into 8 million yuan. If the depositor runs out of money, who should be held responsible?
How much can we save per capita?China’s RMB deposit balance rose 9.2% year on year to 236.07 trillion yuan by the end of January, according to financial data released on February 12, 2022.This shows just how keen the Chinese are to save.If the total population of China is 1.41 billion, the per capita savings amount has reached more than 167,000 yuan.Now, one might realize that if you take this as a standard, maybe a lot of people don’t have as much savings per capita.After all, RMB deposits not only include residents’ total deposits, but also financial institutions, enterprises and fiscal deposits.In this case, the per capita savings of Chinese residents may not reach the standard of 100,000 yuan.Meanwhile, deposits in the household sector, which are generally used to represent savers, also increased by 5.41 trillion yuan in January 2022, the data also revealed.So calculated, equivalent to January, China’s per capita deposit amount reached about 3,828 yuan.Of course, as long as depositors put money into the bank, the total funds of the bank will gradually increase, and with a large amount of money, the bank can earn more money.This is why banks have stepped up efforts to collect deposits despite the fact that depositors have to pay interest on their deposits.And for banks, it is really a minute can create hundreds of millions of flow, and because of the huge capital, huge depositor groups, banks have to deal with countless business every day.This can be seen in the central bank’s payment system operation report for the third quarter of 2021.Just the simple business of payment, and the online payment business processed by third-party institutions, has reached 268.186 billion transactions, involving a total amount of 90.71 trillion yuan.This shows how busy banks are.Some people ask if banks are so busy that they accidentally transfer the wrong money.Much of the banking business and transactions are now controlled by computers, and the likelihood of a program going wrong is minimal.But when it comes to the human-controlled business, even the most rigorous mistakes can be made.There were rumors on the Internet that the bank had mistakenly given depositors 8 million yuan instead of 800 yuan.Some netizens may ask, there is such a good thing?Whether it’s a good thing or not is a question of whether the event is true or not, but let’s think about it as a hypothesis.Should that happen, would depositors be able to keep the money they mistakenly transferred and spend it themselves?If the bank finds out, who should be held responsible?Is it the depositor or the bank?On whether it can be spent or not, most people hold two views. The first view is that it should not be spent, because it is not the bank’s money, but the money of depositors. Although the bank staff made a mistake in transferring the money into their own accounts, the money does not belong to them, so they should not be spent, but should be returned voluntarily.And another viewpoint thinks can spend, because the bank has clear “regulation” : leave ark all not responsible, since the business of this money has been completed, no matter who this money is, turn into oneself card ought to be oneself, and bank employee ought to be responsible for this turn wrong money.Both arguments may sound reasonable at first, but in fact, according to the relevant laws, the money cannot be spent.If they do spend the money, they must be held accountable and return it or risk going to jail.What’s more, many depositors understand that “leaving the counter is not responsible”, which is actually not a regulation of the bank, but a reminder of the bank.Actually in bank business, appear a lot of problems, the bank basically can be responsible for, someone says when the bank draws money, did not point clear, little money, the bank prevaricate with this reason.But the truth is that banks today have a 360 degree surveillance system, and they can’t be unaccountable if they don’t pay.As for the money mistransferred by the bank, the customer cannot illegally seize other people’s property. The bank staff is responsible for the transaction, and the customer who spent the money is also responsible for returning the money.The correct answer, therefore, is that if the customer does receive a “wrong” transfer one day, he cannot spend or keep the money, no matter how much it is.Of course, the bank will not say “caveat emptor” if the customer’s money in the bank fails.Do not know if you have encountered a bank “from the cabinet not responsible for” the situation?Do you think you can spend the money?Feel free to leave a comment in the comments section.