Furthermore, the second kind of money loss is stolen by insiders, because some people operate privately, which eventually leads to the disappearance of depositors' money. This kind of news has also been reported and reported by some big customers. We don't know whether ordinary people have encountered this situation. Anyway, the loss of money is basically personal. It is not the bank's responsibility to investigate personal responsibility, and the money can't be recovered. Customers can only take responsibility for themselves and admit their bad luck, even if they go to court.
20 10, overseas customers deposited more than 9.3 million yuan in a bank in Zhejiang in the name of their wives10. When withdrawing money from 20 15, it was found that only 30 yuan was left inside, and19 million flowers were missing. In fact, the customer who saves money entrusts a financial department manager to manage the money at the bank, and the deposit password is told to the other party.
20 14 the customer wants to get the money back, and the bank wealth management manager said that the deadline has not yet arrived, and it will not be available until 20 15. On 20 15, the customer repeatedly urged the bank wealth management manager to pay back the money, but at this time, the bank wealth management manager suddenly lost contact, and the customer checked the bank account and found that his19.3 million was only 30 yuan.
In 20 16, the financial manager of this bank was charged with fraud and sentenced to 15. However, the client's 1900 cannot be restored. In the end, the customer sued the bank, but both the first instance and the second instance ruled that the customer lost the case, because the customer had an entrustment relationship with the business manager, and the customer gave the money to the financial manager for financial management, and at the same time gave the other party the password, which was equivalent to agreeing to the other party's own deposit.
The content of this case is that the parties deny the agency relationship with the wealth management manager and think that their money has been misappropriated by people in the bank, and there is no private agency involved. However, the bank believes that between the parties and the financial manager, the parties admit and agree to invest their money in individuals, which is a private matter between two people and has nothing to do with the bank, so they are entangled in this aspect.
However, the main reason for this kind of thing is why banks have wealth management and investment business, and this project department is specially set up. After all, the promise of high interest return investment belongs to banks. If the bank does not have this business, how can a private banker trust the client? In fact, the parties are also tempted by high interest returns. Speaking of it, one is an internal management problem, and the other is a problem caused by greed. In short, it is not a big win in the lawsuit with the bank, and everything will be said to be a personal problem, which has nothing to do with the bank.