Is it safe to deposit money in the bank? Who s responsible for what went wrong???

The bank card has been copied by someone else. Report the case for investigation, find the person who withdraws the money, and only after solving the case can you learn the means by which he copied the bank card and determine whether the bank is responsible.

The Bank of China is responsible for itself.

Suspicion 1: It was found that the bank card was missing money on the evening of the 20th, and the money was lost on the evening of the 20th, which was too coincidental. The average person appears after a while.

Suspicion 2: For the first time, the public security bureau had already said that it was necessary to go to the local police station to file a case, but it actually went to the public security bureau again. Since you have to run around, say that you don't **, but you can still hit ** to complain to the bank while sitting on the top of the mountain.

Conclusion: 1. The landlord must have done something on the night of the 20th and leaked the card number and password. For example, if you log in to fishing**, or if you have lent your card to someone else, it may be that the ATM machine at your school has been tampered with.

2. Does the landlord have a mobile phone?

3. The ability of the landlord needs to be improved. Don't blame the bank for nothing, and look for problems from yourself. If you leak your card number and password, the bank will not be responsible for you.

If it is necessary to attribute the bank, there are many cases now, and there are banks that are fully responsible.

It is reported that many cases of theft have been brought to the courts, and although the specific circumstances of each case are different, there have been several judgments in which all banks are liable. The reason for the judgment is that the bank ATM machine has technical defects in security precautions, fails to fulfill its due responsibility to protect depositors' deposits, and should bear the losses of fraudulent fraud.

The Panyu District People's Court in Guangzhou City, Guangdong Province, explained in a first-instance case this year that banks have the obligation to provide depositors with a safe trading environment and ensure the safety of depositors' deposited funds. Therefore, when the criminal discovers the technical means, forges the debit card, and steals the cardholder's funds in the bank, unless it can be proved that the cardholder has helped the criminal to forge the debit card or has other major faults, the custodian of the funds, that is, the bank, should be liable.

Experts said that according to China's laws and regulations, the savings contract implements the principle of strict liability for banks, and cardholders should not consider themselves unlucky when they encounter fraudulent transactions, but should actively assert their rights and interests. However, in order to fundamentally solve the responsibilities of all parties in the event of the loss of bank card funds, it is necessary to introduce bank card regulations as soon as possible, and make the legal responsibility provisions clearer and clearer.

Money is actually relatively safe in the bank, you don't have to worry too much, especially some state-owned banks, will use national credit as a guarantee. <>

1. Money is safe in the bank.

Now that the society is getting better and better, many people will have some funds in their hands, and these funds always feel unsafe in their bodies, so they will decide to put them in the bank. When their own funds become large, some people are curious about whether it is safe to put money in the bank. In fact, it is safer to put money in a bank, because most banks have strong strength, so they will not let themselves go bankrupt casually.

In addition, China's six major banks can deposit money, even if these banks go bankrupt, then as long as the funds within 500,000 can be guaranteed, which is also stipulated by law. If you have a lot of money, you can save some money in every bank so that you don't have to worry too much. On top of that, the security of the bank will definitely be higher than that of other companies, such as insurance companies or their own homes, because the bank has a very strict management system.

2. How to save money in the bank in the safest?

It does not mean that keeping money in the bank proves that the money is safe, because whether the money is safe or not also has a certain relationship. If you bind your mobile phone to a bank card, and then lose your mobile phone, then the money in the bank is not necessarily safe, as long as the other party knows your bank card number or bank card password, it is very likely to steal personal information, so as to take out all the money. In addition, some people may tell their bank password to strangers or be deceived by strangers, so these strangers will directly use their personal information to go to the bank to withdraw money.

If you want to keep the money in the bank safe, then you must protect your personal information and do not tell strangers casually. <>

Finally, some people may deposit their money directly in the bank, while some people buy the bank's wealth management products, so as to keep their money in the bank, in fact, these two ways are relatively safe, you can choose according to your actual situation.

It's safe. You must check your personal account regularly so that you can avoid problems with your account and deal with them in a timely manner.

It's very safe, the bank has some insurance, and if they go bankrupt, they will compensate some people, so there is no need to worry.

It is very safe, the state has some banking management regulations, many banks are relatively large, there is more money in them, and they will not go bankrupt.

Whether you deposit money or gold bars in the bank, it is safe from a security point of view. If from the perspective of value-added, although the interest rate of saving money is not high, but it can protect the principal, if you deposit gold bars, the gold price can be profitable, in case of gold price, even the principal can not be saved. **Not only has monetary attributes, but it is also the most common hedging tool.

Currencies inevitably depreciate after a certain period of time. Deposits mainly use deposit rates to outperform inflation and currency depreciation. Therefore, in times of inflation, the value of saving ** is higher than that of saving.

Extended information: 1. Which is safer, regular or current.

Both fixed and current are products launched by banks, and their security is the same. From the perspective of the security of principal repayment, the repayment security of bank deposits, especially those of state-owned commercial banks, is very high, regardless of whether they are fixed or current. Bank fixed deposits can be withdrawn in advance or partially in advance, and if the user has deposited a fixed term and wants to withdraw money before maturity, the interest rate will be calculated according to the current account.

2. What are the steps to go to the bank to deposit money?

Bring your valid ID, bank card and cash to the bank's business outlets.

Go to the front desk to get the number and queue, and then after the counter staff verifies the identity information, the deposit business is handled, and after the completion of the staff, the staff issues the deposit certificate and returns the customer's certificate.

3. Do I need an ID card to deposit money at the bank?

When you go to the bank to deposit money, if the deposit is less than 50,000 yuan, you don't need an ID card; If the deposit is greater than 50,000 yuan, you need to bring your ID card. Bank deposits are monetary funds deposited by a business with a bank or other financial institution. According to the business needs, the enterprise opens an account in the bank where it is located, and uses the opened account to make deposits, withdrawals and the settlement of various income and expenditure transfer business.

4. Can I withdraw my bank fixed deposit in advance?

If the full amount is withdrawn in advance, the bank will pay interest according to the current deposit interest rate announced on the date of withdrawal.

If the remaining time deposit is not less than the initial deposit amount, the interest will be calculated and paid on the withdrawn part according to the current deposit interest rate announced on the withdrawal date, and the remaining part of the deposit shall be executed according to the original interest rate and term; If the remaining time deposit is less than the initial deposit amount, the interest shall be calculated and paid according to the current deposit interest rate announced on the withdrawal date, and the time deposit shall be liquidated.

5. Will the term automatically be converted to current account when it expires?

No, after the maturity of the fixed deposit, it will not be automatically converted to demand, but will be transferred to time, if the bank time deposit is not withdrawn after maturity, the bank will automatically settle the principal and interest and transfer the deposit, and if the deposit is transferred according to the latest interest rate, the term will be automatically transferred according to the original deposit period. That is, it will be automatically rolled over at the original deposit period until it is withdrawn again.

Nowadays, the interest rate on bank deposits is very small, but people still give up investment and financial management, and resolutely keep their money in the bank, the only reason is that they feel that it is safest to put their money in the bank. However, in recent years, there have been cases of self-theft by bank insiders, and the reliability of banks has been repeatedly questioned.

Although the interest on bank deposits is not high compared with some investment projects, in the eyes of the vast majority of people, money is the safest in the bank, because the bank not only has a security management system, but also the state-owned bank has the state credit as a guarantee, and there are external laws and regulations to deter and the bank has relevant internal control measures.

However, the fact that banks are guarding and stealing from themselves shows that it is not safe for money to be kept in banks, and although regulations on rectifying banks have been promulgated continuously, banks have only done so superficially, and have not tackled them fundamentally at all, and if banks cannot even guarantee the safety of depositors' deposits, how can they talk about working for the welfare of their customers. Only by starting from the root and first ensuring the internal management of the bank can we regain the credibility that has been lost.

It's generally safe with us!

But not necessarily! Many people have money stolen from their bank accounts on a regular basis! There are also people who force themselves to withdraw money from others. Such reports are not uncommon.

In addition, in other countries, banks have failed from time to time. In our case, the banks themselves are also dangerous, and it is said that the bad debt rate is very high! It's just covered! It's hard to say which day it will fall along with his support base!

Depending on what bank you have, the big four banks are generally fine.

Today we are going to talk about the topic of deposits, which our people are particularly concerned about.

Summary. Hello dear! I am glad to answer for you The bank deposit is safe because the usual YHK funds are stolen, and they are only current, and they cannot be withdrawn if they are done regularly; Convenient, as long as a card, no need to carry a passbook.

If you need to withdraw in advance, you can use your card to apply at the ATM or at the counter. A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. It has the characteristics of a short deposit period of 3 months, a long period of 5 years, a large margin of choice, and a relatively stable interest income.

For example, if I am in the bank and my father-in-law has left me millions of property, can the bank insiders and the president transfer my money to their names or even hack it.

Hello dear! I am glad to answer for you The bank deposit is safe because the usual YHK funds are stolen, and they are only current, and they cannot be withdrawn if they are done regularly; Convenient, as long as a card, no need to carry a passbook. If you need to withdraw in advance, you can use your card to apply at the ATM or at the counter.

A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. It has the characteristics of a short deposit period of 3 months, a long period of 5 years, a large margin of choice, and a relatively stable interest income. <>

Kiss, no, this can't be dark<>

Why? I myself did not know of any of these properties.

Will there be internal black-box operation.

Dear, no, because the CBRC will supervise it<>

What else is there to be safe?

It is the point that proves that there is no risk in a certain amount of money.

Kiss, what about the <>

There is a lot of chaos in the bank, and your money may be lost, so you must pay attention to these two points when depositing money in the bank.

Is it safe to deposit money in a bank card or a passbook?

Of course, it is safe to store money in the bank, many banks are state enterprises, but I think if you save money, don't put it in the bank, the income is relatively low, I have been doing financial management myself, digging money cat is not bad, I recommend it to you.

If you don't think the banks are safe, then there is no place to be safe. I'm afraid of thieves stealing it at home.

The bank is not safe, and it is safe. What do you think?

Is it safe to keep money in a bank? This question has never been raised before, because before 2000, banks were controlled by the state, guaranteed by the state, and there had never been a bank failure.

However, after 2000, the state liberalized the entry threshold for the banking industry, allowing banks to participate in market-oriented competition, and relaxed the issuance of banking licenses. The number of banks has risen from 40 in 2000 to more than 4,000 now. The forest is big, and there are all kinds of birds.

Bank failures are starting to occur. The country will stabilize the financial market in the future, and the national deposit insurance system will be implemented on May 1, 2015.

According to the "Regulations on Deposit Insurance", the deposits absorbed by China's commercial banks, rural cooperative banks, rural credit cooperatives and other banking financial institutions enjoy deposit insurance, and even if the bank goes bankrupt or fails, the principal and interest of the investor can be compensated by the state, with a limit of 500,000 yuan. So what to do with the part that exceeds 500,000? Compensation will be paid on a pro-rata basis according to the bank's liquidation.

In addition, bank wealth management products are not covered by the deposit insurance system, cannot be compensated, and the investment risk is borne by oneself, depending on the actual situation of the wealth management project.

Although the compensation amount is positioned at 500,000, it already includes bank customers. It guarantees the safety of the funds of the vast majority of customers and realizes the stability of the financial market. So from this point of view, it is quite safe to keep money in the bank.

But it's not so safe to keep money in the bank, why do you say that? The fundamental reason is that the interest rate of money deposited in banks cannot keep up with the rate of inflation, and the number of banks depositing money has increased, but the purchasing power has actually decreased.

Personally, I think that in recent years, the actual annual inflation rate is about 6%, the country's pension insurance has risen 16 times, basically 5% per year, of which two years have risen by 10%, the country must maintain the general purchasing power of pensions, from this point of view analysis of the two data should be about the same.

Bank deposits cannot achieve this return, so it is not so safe to deposit money in banks.