Why is the bank stolen only 90%?

November 22, 2004, someone fake "Hong Rongyao" name forged identity card, to the Agricultural Bank of Wenzhou branch opened the online banking business, and access to the online bank's customer certificate and password. After the successful registration, the criminal suspect on February 2, 2005 through the online bank, successfully Hong Rongyao debit card funds within two times to transfer to other people's accounts, and then received the money.

If things go through really like the news, old Yao really do not understand such an online bank robbery, why Hong Rongyao not get full compensation? Why he was deducted 10% of the stolen funds, as consumers face such cases and how to protect their money does not suffer from the indifferent loss.

It is said that the Yongjia County People's Court in July 2005 to make a first-instance judgement, the bank compensation for the total loss of depositors, and pay interest. Such a result should be reasonable, after all, Hong Rongyao to this net silver stolen should have no responsibility, after all, the bank to verify the identity card errors, but also the bank in the depositors do not know the premise issued a network of silver certificate and password, if said Hong Rongyao really have any mistake, can only be oneself did not go to open online bank account, let the cheater accounted for the first, But will savers have to open online banking? Is it really safer to open an online bank than not to open it?

Old Yao think not understand the agricultural Bank unexpectedly repeatedly appeal, first to the Wenzhou Intermediate People's Court appealed, the case was sent back to the retrial. July 2006, Yongjia County retrial that the bank is responsible for the main responsibility, should bear Hong Rongyao 90% losses. After the verdict, Agricultural Bank Yongjia branch again appealed. In the end, Wenzhou maintained the Yongjia County Court to review the verdict, that is, the bank should bear 90% loss of depositors, to the depositors Hong Rongyao pay the principal 92250 yuan, and pay interest. Depositors Hong Rongyao Bear 10% of the loss. It seems that the bank's appeal still has a role, after all, can reduce the bank's loss of 10%, the news that the bank assumed the main responsibility, that is, as a depositor Hong Rongyao also have to pay secondary responsibility, no one told the old Hong Rongyao to bear the secondary responsibility in the end is what? If the whole case as described in the news is so simple, Hong Rongyao should not be a single responsibility, if as the case of Hong Rongyao really to bear the responsibility, only he chose the wrong bank, and the wrong to save the money in.

Unless the journalist who wrote this press release doesn't describe it, if this is true, this is certainly not a responsible journalist, the old Yao is a lot of things, if the truth is so, old Yao to the bank feel terrible, clearly oneself wrong, must be rude to stir three points, finally incredibly still stir 10% of compensation do not pay, In such a bank to save their hard-earned money to be very careful, if such an accident, not only to spend four years of legal proceedings, the result will be 10% of secondary responsibility and 10% of the deposit, even if this seems to be the result of people's Bank law outside mercy.

Read this news, old Yao anyway is confused, in the end is whose fault? (author, Lao Yao)

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