Women’s card has no money to be fraud, 1 million 500 thousand involved bank product flaws 广东金融学院肇庆校区

The woman had no money card fraud involving bank product flaws in Sina 1 million 500 thousand fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! Xinhua Shanghai October 7th news (reporter Huang Anqi) the bank card only financial products, there is no balance, but still in the loss of millions of dollars in telecommunications fraud. Shanghai citizen Lee sued the bank for damages, and the people’s Court of Shanghai, Pudong New Area, recently made a judgment on the case. The court held that the bank product design flaws, discretionary judgment responsibility 20%. In January 8, 2016, foreign banks Lee Shanghai people in a large state-owned bank’s personal account funds before the bank is abnormal, issued 5 loans to her account, then the money was transferred to other accounts. Ms. Lee immediately reported the matter, and freeze the account. Ms. Lee said that the individual account only has not yet expired financial products, there is no deposit, she did not apply to the bank loans. Because Ms. Lee did not repay on time, the bank under the pledge loan contract, her name of financial products in the open redemption after disposal. As of April 8th, Ms. Lee account after the disposal of financial products after a total repayment of 148 yuan, including 1 million 469 thousand and 700 yuan loan principal and interest and fines of 1 yuan. In addition, due to Lee did not repay the loan overdue, but also produced bad credit records. Ms. Lee said, on the day of the incident, she did leak online bank accounts and passwords. In January 8th, she received a phone call, the other said her bank account "unsafe", in order to facilitate handling, need her computer in this end of operation to cooperate. Because the account only outstanding financial products, no deposit balance, Ms. Lee careless, think that even if the leaked information will not cause financial losses. So, Ms. Lee to operate according to the requirements of the other party, the bank received her 5 network loan application, the upper limit of 300 thousand yuan each, because there are more than 155 yuan of financial products Lee account, the bank put money to her, then criminals go forwards. Ms. Lee said, according to the provisions of the CBRC "Interim Measures" of the administration of personal loans, personal loans are usually entrusted to take loans to pay the payment directly to the borrower’s transaction object, that is to say even if Lee applied for loans, the money should not be directly into her account. Independent payment is a special case of personal loans. In accordance with the regulations, only unable to determine the transaction object and the loan amount is not more than 300 thousand yuan of the case, to apply independent payment, the CBRC behavior violations also think that "to avoid the payment of break up the whole into parts". In this case, the criminals evade the entrusted payment by means of independent payment, and transfer the funds in batches. Ms. Lee believes that other banks of this kind of behavior is to avoid the entrusted payment of restriction and supervision, the bank has no quota or regulation, the existence of fault. The bank believes that Ms. Lee’s behavior has violated the relevant agreement of the service agreement

女子卡中没钱遭诈骗150万 涉案银行产品存瑕疵 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   新华社上海10月7日专电(记者黄安琪)银行卡中只有理财产品,并无余额,却依旧在电信诈骗中损失百万元。上海市民李女士状告银行要求赔偿损失,上海市浦东新区人民法院近日对此案作出判决。法院认为,涉案银行产品设计存在瑕疵,酌情判决担责二成。   2016年1月8日,在外资银行工作的上海市民李女士在一大型国有银行的个人账户发生资金异常,银行先是向她的账户中发放5笔贷款,随后这些钱款又被转入他人账户。李女士马上报了案,并冻结了该账户。李女士表示,个人账户里只有尚未到期的理财产品,并无存款,她也没有向银行申请过贷款。   由于李女士没有按时还款,银行根据《质押借款合同》,对她名下的理财产品在开放赎回后做了处置。截至4月8日,李女士账户经处置理财产品后共还款148万余元,其中包括贷款本金146.97万元和利息及滞纳金1万余元。此外,由于李女士逾期不还贷款,还产生了不良征信记录。   李女士坦言,在事发当天,她确实泄露过网银账户和密码。1月8日,她接到一个电话,对方称她的银行账户“不安全”,为了办案方便,需要她在电脑这端操作予以配合。由于账户中只有未到期的理财产品,没有存款余额,李女士有些大意,认为就算泄露了信息也不会造成资金损失。   于是,李女士按照对方的要求进行操作,银行方面收到了她的5个网络质押贷款业务申请,每笔上限30万元,由于李女士账户里有155万余元的理财产品,银行向她放了款,而后被不法分子分批转走。   李女士认为,根据银监会《个人贷款管理暂行办法》的规定,个人贷款通常采取贷款人受托支付的方式向借款人的交易对象直接支付,也就是说即便李女士申请了质押贷款,这笔钱也不应该直接打入她的账户内。   而自主支付方式是个人贷款的特例。按照规定,只有在无法确定交易对象且贷款金额不超过30万元的情况下,才得适用自主支付的方式,银监会亦认为“以化整为零规避受托支付”的行为系违规行为。   本案中,犯罪分子即通过自主支付方式,规避了受托支付,并将款项分批转出。李女士认为,其他银行对这类规避受托支付的行为均进行了限制和监管,涉案银行对此没有任何限额或监管,存在过错。   银行则认为,李女士的行为已违反了《服务协议》的相关约定,存在重大过错,应自行承担相应后果。   于是,李女士向上海市浦东新区人民法院起诉,请求判令涉案银行赔偿损失本金146.97万元,以及利息及滞纳金损失;撤销因本次贷款造成的不良征信记录;诉讼费用由银行承担。   此前,李女士向上海银监局投诉,该局出具答复书,认为涉案银行的自主渠道个人金融资产质押贷款可通过申请多笔贷款来绕开受托支付规定,产品设计存在一定瑕疵,要求整改完善。   法院酌情判决银行担责二成,赔偿李女士30万元,撤销其名下因本案贷款逾期而产生的不良征信记录,驳回其余诉讼请求。 进入【新浪财经股吧】讨论相关的主题文章:

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