The Wenchuan earthquake killed more than 69,000 people, caused more than 17,000 people to go missing, and caused economic losses of more than 800 billion. However, after the earthquake, the Chinese people united and finally defeated the disaster. Although society and the government have tried their best to deal with the post-disaster work, there seems to be one issue that the general public has been paying attention to, and that is how to deal with the bank deposits and loans of the Wenchuan earthquake victims and missing persons?
To solve this problem, we first need to understand that the money that ordinary people deposit in banks is to a certain extent the debt of the bank. The bank needs to pay a certain amount of interest. Depositors have the flexibility to use it based on their current needs or on a regular basis. As long as the depositor is alive, the money will always be your private property. However, if the depositor unfortunately dies and the money is not withdrawn, the money will be transferred to the first heir according to law. Then if the depositor has no heirs, according to the provisions of my country's "Succession Law", when the depositor has no heirs, the money left by the depositor in the bank will continue to be a liability of the bank and loaned to the bank, but the bank cannot use it as a Even if the property is annexed, the rights and interests of the deceased must still be protected in accordance with the law.
What about the property of the victims of the Wenchuan earthquake? After the occurrence of an irresistible natural disaster, the deposit remains private property. If the homeowner dies in an earthquake, the savings can still be inherited. However, the property owner must first be declared dead through legal proceedings before his first heir can apply for inheritance. In addition, he needs to bring complete materials, not only the death certificate, but also the notarial certificate. But assuming there is no legal heir, the deposit will be nationalized and used by the state for post-earthquake reconstruction.
As for the deposits of missing persons, government departments have stipulated that the deposits will not be inherited and will still belong to the missing persons. However, deadlines will be set. If the missing person is not found after the deadline, the bond will be considered a "sleep bond" and will eventually be owned by the state and used for public purposes after a period of time.
The last step is loan processing. If the borrower disappears or dies before the disaster occurs, the loan will become a bad debt, and the bank will not be able to find the real debtor, so the loan will be written off by the bank and no longer exist. Even if the deceased or missing have heirs, they will not be sued because major natural disasters cannot provide compensation. The bank will treat it as a special case, which also reflects the humanity of the national policy.
In short, in China, the people are the masters of the country. No matter what the situation is, the country will always consider the people, put people first, pay attention to the people's true situation in society, and protect the people's rights and interests.