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北京男子诉称存款25万15年未取仅剩两千,银行被判赔本息
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Topic: 北京男子诉称存款25万15年未取仅剩两千,银行被判赔本息 (Read 286 times)
kangageaf
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北京男子诉称存款25万15年未取仅剩两千,银行被判赔本息
April 15, 2017, 07:24:48 AM
#1
冯先生20年前在银行存入45万元,当年取了20万后便没有再进行任何存取款,15年后他到银行取款时却发现银行卡里只剩下2000多块钱利息。在与银行交涉多次没有结果后,冯先生于去年将银行起诉到法院,要求返还其活期储蓄账户余额25万元并支付利息。近日,北京二中院对该案二审宣判,银行被判赔偿25万元存款及利息。
25万存款15年后变2000元
冯先生称,1997年4月,他在某银行办了活期储蓄存折账户,并存款45万元,当月,他从活期储蓄账户中取款20万元后,便再没有进行任何存取款业务。2012年,冯先生到某银行取款时却被告知他的活期储蓄账户余额仅有利息2000余元,冯先生与银行就此事进行了交涉,但一直没有结果。无奈之下,冯先生将银行起诉到法院,要求返还活期储蓄账户余额25万元并支付利息。
对此,涉事银行回应称,冯先生的活期储蓄账户是凭密账户,该账户进行过新旧账户的变更,银行已为冯先生更换新的账户,冯先生现在持有的存折对应之前的旧账户,该旧账户并不是有效账户,涉案存折也不是有效存折。银行系统显示,冯先生的账户在1997年9月3日曾经发生一笔25万元的取款记录,由此可以确认冯先生已支取了账户内的款项。
银行称记账凭证仅保管15年
涉事银行表示,我国于2000年4月1日发布个人存款账户实名制规定并进行了广泛宣传,而冯先生从2000年起至今始终没有对他的账户进行实名制认定,银行无法核实冯先生的账户信息。另外,根据个人银行结算账户管理协议的规定,冯先生须定期与银行核对账务,但他却没有与银行核对,银行记账凭证的保管期限仅为15年,冯先生账户的相关凭证已销毁,冯先生存在过错。
银行方面认为,由于当时没有实行账户实名制规定,因此对于冯先生持有的存折,银行方面没有办法确认其有效性。另外,账户明细显示冯先生账户里的存款已经支取完毕。根据系统查询记录,冯先生的账户于1997年9月3日发生一笔25万元取款记录,冯先生该笔存款已经完成支取。考虑到冯先生持有账户时间较长,可能存在交易记录没有打印到存折内页的实际情况。
冯先生则坚称他在1997年9月3日没有取款25万元,如果当时他取了钱,则账户内按照当时的利率标准至今不可能产生2000余元的利息。银行方面则认为账户中剩下的2000余元利息是之前产生的,且一直在增加。
法院判令银行赔偿25万本息
对此,一审法院认为,冯先生在银行办理涉案活期储蓄存折,双方之间因此建立了合法有效的储蓄存款合同关系。冯先生作为存折持有人,将自有资金存入涉案存折账户,银行作为专业金融机构,有保障冯先生存折账户内存款安全的合同义务。现银行对涉案存折账户内款项的丢失没有尽到谨慎审查的义务,致使冯先生的权益受到损害,在没有证据证明冯先生存在过错的情况下,银行应承担赔偿原告存折内资金损失的责任。
一审法院判定赔偿冯先生存折账户存款损失25万元并支付利息。银行随后提起上诉。二中院经审理认为,冯先生持有的存折原件显示尚有存款25万元,现在仅剩下2000多元,虽然银行方面称25万元已于1997年9月3日取出,但银行方面并没有提交相关证据证明,因此银行方面应承担赔偿冯先生账户存款损失的责任。最终,二中院驳回银行上诉,维持原判。
xuexue1997
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Re: 北京男子诉称存款25万15年未取仅剩两千,银行被判赔本息
April 15, 2017, 09:52:55 AM
#2
要是拿出来投资 早就不知道翻了多少倍了
Dan Yelen
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Re: 北京男子诉称存款25万15年未取仅剩两千,银行被判赔本息
April 15, 2017, 09:53:48 AM
#3
才本息?
xiayu
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Merit: 10
⇾
Re: 北京男子诉称存款25万15年未取仅剩两千,银行被判赔本息
April 15, 2017, 03:09:42 PM
#4
法律的约束力还是很强的
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