But in one case, the bank will take care of it, and it is very active, that is, the bank has given more money. In other words, if the bank accidentally overpays, they will contact you and ask you to return it. However, it is said that for small amounts, such as short money below 100 yuan, the bank has a special short account, which the bank will not manage.
So someone asked this question: "What if the bank mistakenly set 800 yuan at 8 million yuan and the depositors spent all their money in three days?" This is not a small mistake of the bank!
If you don't return the money to him, you will go to prison! You can think that this is the bank's fault, and you don't need to take responsibility. This is your own statement, but it's completely wrong. The bank did make a mistake, so it will find the relevant supervisor to punish it, including fine, review or dismissal. But if you use the wrong money privately, then you are a "sinner", because legally speaking, this is called "unjust enrichment".
Having said that, on the whole, this situation is almost impossible in reality, because the gap between 800 yuan and 8 million is not small. Unless the bank staff really don't work hard, this kind of low-level mistake won't happen. Even so, the bank will audit the accounts every day and find the problems on the same day. After all, 8 million is not a small sum. Banks can easily find out the problem, which employee is at fault and whose account the funds have been transferred to. Once the bank finds a problem, it will immediately contact the user and ask the user to refund the money.
Some depositors don't know the law, or they are lucky enough to take the initiative to think that money is not what they want, and it should be no problem to spend it. First, with such a large inflow and outflow of funds, banks will quickly find the source of funds and contact depositors for return at the first time.
If we want to distinguish who is responsible, according to the bank's "out of responsibility" regulation, it is the bank's responsibility, and depositors are not responsible. But this money does not belong to the depositor and must be returned voluntarily. If the depositor fails to repay the money, the bank will bring a lawsuit against him. Moreover, if the depositor runs out of money, the court will decide to return the depositor's valuables, such as houses and cars, to make up for the losses.
If the balance is not recovered, the bank will call the police. At this point, the situation of depositors is very serious. The document pointed out: "Whoever illegally occupies other people's property in a large amount and refuses to return it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine in accordance with the provisions of Article 277 of the Criminal Law; If the amount is huge, it shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, criminal detention or a fine. "
More importantly, depositors will be blacklisted by banks if they want to borrow money in the future. Therefore, don't take any chances in this kind of thing, and you'd better take the initiative to return it.
Such a thing is really unlikely to happen, but there are always so many banks in the country that will happen. A previous Ms. Wang took 30 thousand from the counter, but the bank gave her 40 thousand. The bank asked for a refund, but Ms. Wang refused. She said she only received 30 thousand, and finally the bank sued.
In addition to the counter, the same is true of ATM machines. Once a man went to the ATM to get 2000 yuan, but he vomited 2000 yuan more on the ATM, so he put the extra 2000 yuan there. After that, he was still held accountable by the bank, because the bank said, "You took 2000 yuan from the bank and left it there for yourself"! Where are you going to be reasonable when this happens? Therefore, after the bank has problems, in order to reduce unnecessary troubles, don't sell yourself short, let alone spend your own money.
Therefore, some people think that the rule that banks are "not responsible for leaving the cabinet" is a overlord clause, and the extra money should be recovered even if it is out of the cabinet. Then, if the depositor comes out and finds that the bank has paid less money, should the bank compensate the depositor in this case? Therefore, some people think that the rule that banks are "not responsible for leaving the cabinet" is a overlord clause, and the extra money should be recovered even if it is placed in the cabinet. Then, if the depositor comes out and finds that the deposit in the bank has decreased, should the bank compensate the depositor?
For depositors, it is best to check at the counter, otherwise it will be very troublesome. For the so-called "good things", of course, it is because you never know when it will become "bad luck". The court ruled that the depositor lost the case because you can't touch things that don't belong to you. Maybe a sister Lin or brother Bao will fall from the sky, but you still want to possess the money from the sky. Maybe you don't deserve money because it's not your money and you can't possess it!