Old 400,000 600,000 cash deposit Bank, Bank of China: surveillance information-Bank of China-IT cannot be recovered
On February 23 this year, Xie Houyong on the Bank of China branch in shehong deposited 600,000 yuan in cash. On May 18, he found only 400,000 yuan accounts, sought access to Bank monitoring. However, the banks involved allegedly save the day (February 23) monitor has been overridden, unable to restore the deposit on the day after.
On May 30, silver Xie Houyong this complaint to the JMC Suining branch. On June 6, Xie Houyong silver JMC Suining received complaints accepted notification of the regulatory branch, banking sector in response to his complaint will be processed within 30 working days.
Meanwhile, in counsel's view, Xie Houyong if they can prove they have in the Bank of China (shehong Tai Wo Estate branch in southern Avenue) deposit 600,000 yuan in fact is true, banks involved cannot prove the whereabouts of another 200,000 yuan, well, Xie Houyong can apply for compensation through legal channels.
Xie Houyong insists he is in the Bank 600,000 yuan in cash.
Savers: save $ 600,000 in cash a few months later into a 400,000 yuan
Xie Houyong, 61 years old, private clinics operating in shehong County, Suining city. On February 23 this year, he used a piece of foil and bags of 600,000 yuan in cash, in the southern section of Bank of China shehong Wo Road branch to handle deposits.
"Save the day, the bank teller will be offered several times, spent more than an hour. "Xie Houyong said bank teller tells him that day, banks cannot handle large deposits, 600,000 yuan needed two deposit, we recommend that you open an account and deposit 200,000 yuan, leaving 400,000 yuan deposit once again.
About an hour later, banks finished business, Xie Houyong get a debit card, a bank issued "negotiable certificates of purchase" documents home from banks.
That evening, Xie Houyong didn't understand the meaning of bank documents, make up. The next day, after his bank, teller explained to him that "(I) debit card there are 200,000 yuan, another ' negotiable certificates of purchase ' documents and 400,000 yuan, a total of 600,000 yuan. "Wonder solution for the elderly. The next few months, he never checked how much money in this card.
Until May 18, Xie Houyong going to buy two kilos of financial products--gold in the Bank, when he filled out a purchase request form, unexpectedly was informed that "Cary only 400,000 yuan". Xie Houyong first one, confirmed by the query after Bank of China card only 400,000 yuan deposits.
Subsequently, Xie Houyong requiring banks to obtain his money on monitoring Bank replies that video content has been covered on the day to view. On May 19, the Bank explained to Xie Houyong daughter Xie Yinping, storage monitoring hard drive "data recovery", you can see Xie Houyong after saving the day. But on May 23, the Bank of China shehong Branch staff is informed that "the Bank monitoring cannot be restored. "From Xie Houyong save date when just 3 months.
Afterwards, Xie Jiaren asking was informed that the Bank monitoring should be kept for 3 months period, shehong bank concerned that it was not common sense. Therefore, Xie Jiaren believes that banks concerned stall, leaving families unable to review.
Xie Houyong said teller had to explain this "negotiable certificates of purchase" was saving 400,000 yuan.
Banking: video hard drive cannot be restored and the closure
On June 1, the Governor of the Bank of China branch in shehong sheqing told reporters that the Bank provides more than 50,000 yuan of business are considered to be big business, 600,000 yuan deposits, the Bank made no mistake. Therefore, the Bank only 400,000 yuan Xie Houyong day and 3 times to explain to thank family members, I hope Xie Jiaren admitted 400,000 yuan in deposits.
"Xie Houyong at bank account to save time on the day, each document is issued by the Bank after its validation, signature before taking effect in storage to save. "Sheqing said that the Bank does not save 600,000 yuan in cash business errors as 400,000 yuan. As for the "negotiable certificates of purchase" documents with other documents, said Xie Houyong just deposited 400,000 yuan in cash on the day.
For savers reflects Bank surveillance storage duration. Sheqing explains, shehong branch of Bank of China according to the provisions in the banking industry, Bank surveillance video content saved time is 30 days, which meet the national security requirements in document GA38-2015. To this end, the monitor has exceeded the normal storage period of February 23 banks, video surveillance, information has been covered, not banks ' reluctance to provide surveillance video, or hiding the facts.
Meanwhile, head of Suining Branch Office of Bank of China believe that customary banking sector suggest that the Bank should monitor to the video shelf life is limited to 3 months, "but this is just ' suggestion ', banks in operation can set the retention period to 30 days. "At the moment," storage Bank surveillance video of the hard disk has been removed, and covered up. "Sheqing said.
Suining Branch Office of Bank of China official said that Xie Houyong saving Bank a total of 8 cameras and monitor content for each probe are in the same hard disk. Later, banks have rushed to the Bank of China the hard disk, Sichuan provincial branch of Ministry of science and technology, expected recovery date of monitoring technology, has also asked the police to help, their responses were "too difficult and cannot be restored. ”
It is understood that Xie Houyong Take deposits on the day the teller of newcomer recruited early this year to recruit, for the staff, "600,000 yuan is a large number, yet he still fresh about Xie Houyong on saving. "The clerk said, Xie Houyong only 400,000 yuan in cash the same day.
Afterwards, Suining, Bank of China branch managers had involved banks (Bank of China shehong Wo Road, South Branch) on that day (February 23) handling all the business, and all staff within the Bank made a careful investigation, have not found any missing issues.
Silver Commission sent a notice of complaint.
Bank Commission: banking sector has been accepted and will be processed in 30 days
Xie Houyong's children have married, so he saved a child are not known. Save the day, he had carefully counted before going out of 600,000 yuan in cash. Two days ago, to find out the truth, Xie Yinping was recalled in detail by father save money on every detail, as well as the origin and number of each cash.
"Father is nothing, and clear thinking, he was so sure he deposit 600,000 yuan and Bank of China. "Xie Yinping said that at present, the only way to prove evidence of its parent pay 600,000 yuan in cash, February 23 Xie Houyong money when a Bank surveillance video taken of.
On May 30, silver Xie Yinping accompanied his father to the JMC Suining branch complaints about it. Commission staff assured her of silver, Bank surveillance video content should be retained for 3 months instead of 30 days.
On June 1, the Sichuan news net reporter to the China Banking Regulatory Commission Suining branch confirmation, staff members of the Council reiterated the Bank's surveillance video content should be retained for 3-month requirement, and the banking sector has accepted Xie Houyong complaints, and the preservation of evidence. At present, the banking sector according to the procedures, this thing will be processed within 30 working days and reply.
On June 6, silver Commission Xie Houyong in Suining regulatory branch banking consumer complaints issued a copy of the notice of acceptance, said research by the banking sector, has accepted Xie Houyong complaints within 30 working days from acceptance processing has been completed, will address written informed Xie Houyong.
Lawyer: If evidence shows that this is the case, but through legal channels to apply for compensation
Jiang Bo Shu in Sichuan law firm lawyers explained that if the elderly really have saved 600,000 yuan in cash to the Bank, old man needs his own proof, if they can prove they have deposited 600,000 yuan in the Bank thing is true, banks involved cannot prove the whereabouts of another 200,000 yuan, the elderly can apply for compensation through legal channels.
老人60万现金存银行变40万，中国银行：监控无法恢复 - 中国银行 - IT资讯
今年2月23日，谢后勇在中国银行射洪支行存入60万元现金。5月18日，他发现账户上仅40万元，遂要求调取银行监控。然而，涉事银行称因存钱当日(2月23日)的监控已被覆盖，无法还原当日存钱经过。
5月30日，谢后勇将此事投诉到银监委遂宁分局。6月6日，谢后勇收到银监委遂宁监管分局的投诉事项受理告知书，银监部门回应：将在30个工作日内处理他的投诉。
同时，律师认为，谢后勇若能证明其曾在中国银行(射洪太和大道南段支行)存入60万元的事实属实，涉事银行又无法证明另外20万元钱的去向，那么，谢后勇可以通过法律途径申请赔偿。
谢后勇坚称自己是存入银行60万元现金。
储户：存入60万现金几个月后变成40万元
谢后勇，今年61岁，在遂宁市射洪县经营私人诊所。今年2月23日上午，他用一张锡箔纸和口袋装好60万元现钞，在中国银行射洪太和大道南段支行办理定期存款。
“存钱那天，银行柜员将钱数了好几遍，花了一个多小时。”谢后勇说，那天银行柜员告诉他，银行无法办理大额存款业务，60万元需分两次存入，建议先开户存入20万元，剩下40万元再一次性存入。
大约一小时后，银行办完业务，谢后勇拿到一张储蓄卡、一张银行出具的“大额可转让存单申购”单据后离开银行回家。
当晚，因谢后勇没弄懂银行开具单据的含义，心里犯起嘀咕。次日，他在银行咨询后，柜员向他解释“(我的)储蓄卡里有20万元，另外一张‘大额可转让存单申购’单据上还有40万元，合计60万元。”老人的疑惑得解。此后的几个月，他从没查过这张储蓄卡中到底有多少钱。
直到5月18日，谢后勇准备在银行买两公斤理财产品——黄金，当他填完购买申请单后，意外获悉“卡里只有40万元”。谢后勇先是一愣，后经查询确认中国银行卡里确实仅40万元存款。
随后，谢后勇要求银行调取他存钱当日的监控，银行回复称当日视频内容已被覆盖，无法查看。5月19日，银行向谢后勇的女儿谢银平解释，存储监控的硬盘经“数据恢复”后，可查看谢后勇当日存钱的经过。但在5月23日，中国银行射洪支行人员却告知：“银行监控无法被恢复。”而此时距谢后勇存钱日期刚好3个月。
事后，经谢家人多方打听获悉，银行监控应被保留3个月期限规定，而射洪涉事银行做法不合常理。因此，谢家人认为，涉事银行系故意拖延时间，致使家属就无法查看监控。
谢后勇称当时柜员曾解释这张“大额可转让存单申购”单上被存了40万元钱。
银行：监控视频硬盘无法被恢复且已封存
6月1日，中国银行射洪支行行长佘庆告诉记者，该银行规定凡超过5万元的业务均被视为大业务，若是60万元的存款业务，银行不会弄错。因此，银行认为谢后勇当日只存了40万元钱，且曾3次向谢家人沟通解释，希望谢家人承认40万元的存款额。
“谢后勇当日在银行开户存钱时，银行出具的每张单据都是经其确认、签字后方能生效入库保存。”佘庆说，银行不会将60万元现金业务错误地存为40万元。至于“大额可转让存单申购”的单据与其他单据一样均表示谢后勇当日仅仅存入40万元现金。
针对储户反映的银行监控存储期限问题。佘庆解释，中国银行射洪支行根据银行行业内规定，银行监控视频内容保存时间是30天，该规定符合国安GA38-2015号文件要求。为此，2月23日银行的监控内容已超过正常存储期限，视频监控信息已被覆盖，并非银行不愿意提供监控视频，或隐藏事实。
同时，中国银行遂宁分行办公室负责人认为，按惯例银监部门建议银行应将监控视频保存期限定为3个月，“但这只是‘建议’，银行在具体操作中可将保留期限设为30天。”目前，“存储银行监控视频的硬盘已被拆下，并封存起来了。”佘庆说。
中国银行遂宁分行办公室负责人表示，谢后勇存钱的银行内共有8个监控探头，且每个探头的监控内容均被存在同一个硬盘内。事后，银行方面曾将该硬盘送往中国银行四川省分行科技部，期望通过技术手段恢复当日的监控内容，还曾请求警方帮助，其答复均是“难度太大，无法被恢复。”
据了解，当日为谢后勇办理存款业务的柜员是今年初招聘入职的新人，对该名职员而言“60万元是个大数目，至今他对当日谢后勇存钱一事仍记忆犹新。”该职员称，当天谢后勇只存了40万元现金。
事后，中国银行遂宁分行的管理人员曾对涉事银行(中国银行射洪太和大道南段支行)当日(2月23日)经办的所有业务，以及银行内的所有工作人员都进行了仔细排查，均未发现任何遗漏问题。
银监委发来的投诉告知书。
银监委：银监部门已受理，将于30个工作日处理
因谢后勇的子女均已成家，所以关于他存钱一事，子女都不知晓。存钱那天，他出门前曾仔细清点确认了60万元现金。前两天，为弄清楚事情真相，谢银平曾让父亲详细回忆存钱当日的每个细节，以及每笔现金的来源及数目。
“父亲没啥病，且思维清晰，他很肯定他存了60万元到中国银行。”谢银平说，目前，唯一能证明其父存60万元现金的证据，即2月23日谢后勇存钱时被银行监控拍下的视频。
5月30日，谢银平陪父亲到银监委遂宁分局投诉此事。银监委工作人员明确告诉她，银行监控视频内容应被保留3个月时间，而不是30天。
6月1日，四川新闻网记者向中国银行业监督管理委员会遂宁监管分局求证，该局工作人员重申了银行业的监控视频内容应被保留3个月期限的规定，且银监部门已接受谢后勇的投诉，并保留证据。目前，银监部门已按程序办理，将在30个工作日内处理此事，并做回复。
6月6日，银监委遂宁监管分局给谢后勇下发的一份《银行业消费者投诉事项受理告知书》表示，经银监部门研究，已经受理谢后勇的投诉事项，从受理日起30个工作日内处理完毕后，会将处理情况书面告知谢后勇。
律师：若举证证明情况属实，可通过法律途径申请赔偿
四川蜀人律师事务所律师姜波解释，若老人真存了60万元现金到银行，老人需自己举证，若能证明其曾在该家银行存入60万元的事属实，涉事银行又无法证明另外20万元钱的去向，那么，老人可以通过法律途径申请赔偿。