The process of the incident is like this, in 2023, Wu's son in Yingtan, Jiangxi Province passed away, and he has a bank deposit of 55,000 yuan in the bank. Mother Wu went to the bank to withdraw money, but was rejected by the bank.
The reason given by the bank was that it refused to pay on the grounds that it could not be determined that Wu was the sole heir. In fact, Wu is a single son, he is also single, and his mother is not sure who his biological father is, and he was raised by his mother Wu from childhood to adulthood. In such a situation where there is no heir to the estate, why should the bank refuse to withdraw money?
The solution given by the bank is either to apply for a notarial deed of legal inheritance, or to go to court to file a lawsuit. But the embarrassment of Wu in the Manchu Qing Dynasty was that when it came to her actual situation, she was also unable to apply for a notarial certificate, mainly because Wu could not determine the biological father of the child, and the notary office could not determine whether the parents of the deceased were alive. However, according to the law, everyone has parents, so if you are unsure, you cannot apply for a notarial certificate of inheritance.
In this case, the only way was for Wu to sue the court, and the court finally ruled in favor of Wu. But what is even more strange is that the bank also welcomed the court's judgment very much, so after losing the lawsuit, the bank quickly fulfilled the judgment. Many people wonder, is the bank psychologically distorted? Why are you so happy if you lose the lawsuit? Or why stop depositors from withdrawing money when they know they're going to lose their lawsuits?
In fact, this incident did not need to happen, but the bank would rather bear the outcome of losing the lawsuit, and would rather bear the litigation costs and attorney fees of the other party, and would like the court to issue a similar judgment. Of course, from the bank's point of view, the bank explains that this is the most conservative way to protect the rights and interests of depositors.
However, if it is negatively understood from the perspective of depositors, the bank is unwilling to act, only from its own risk management perspective, and ignores the rights and interests of depositors, and would rather spend more costs to protect itself, wasting the public resources of the court and the time cost of depositors. In fact, the central bank and the Hong Kong Monetary Authority issued new regulations on April 26, which also included deposits, wealth management products and treasury bonds. Relatives who go to the bank to withdraw these financial products of less than 50,000 yuan from their deceased relatives no longer require notarial deeds, which means that the bank no longer examines the legal inheritance relationship between the drawer and the depositor.
This new policy is intended to simplify and facilitate the procedures for depositors' relatives to withdraw their estates, which can be recognized by the public as simplifying the process of withdrawing the financial inheritance of deceased relatives. The Jiangxi incident occurred before the new rules, and as a result, the mother had to go through a court lawsuit if she wanted to get her deposit. As a result, the case was not resolved until after the new regulations were introduced.
Banks have not completely changed their service thinking, and all of their incident handling revolves around the perspective of protecting the bank's security. Although the court judgment has lost the lawsuit, this judgment has statutory effect, and if the heirs have relatives fighting for the inheritance in the future, the bank will definitely not lose the lawsuit and will not be held liable. At this time, the bank will avoid the embarrassing situation of two payments in the future.
However, after the new rules in April this year, there should be no such thing. As long as the regulations are met, the withdrawer brings his ID card, and the bank retains the evidence to pay for the future, even if there is an inheritance dispute, it is not the bank's business. In addition, if the depositor knows the password of the deceased relative, remember to withdraw or transfer money directly, and there is no need to be so troublesome.
Banks are such risk-averse companies, but the end result is that many depositors feel inconvenient, even arrogant and unreasonable.
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