December 22, 2024

The old lady's 75 yuan deposit bank deducts account management fees or owes money in 19 years

75 cents of the old lady bank deposit bank deducted account management fees or owed money diesel generators | diesel generator price / 2012-09-17

Bank services cannot accumulate negative energy
Han Lu’s resident Lu’s mother-in-law reflected that she had opened a passbook in 1987 and that there was still a balance of 75.98 yuan in 1993. This passbook was found last year, but she wanted to take out the money on the passbook, but it was not so smooth. On the 15th, Lu’s mother came to the bank. After the bank staff recorded relevant information, the account amount of Lu’s mother’s account was less than 300 yuan. From September 21, 2005, the bank charged a small account with less than 300 yuan for a savings management fee of 12 yuan per year. The annual interest of Mr. Lu’s account may be less than RMB 12 a year. After calculation, Lu’s mother may also have owed the bank’s money. However, on the passbook, how much money is now in the end, they will call for material verification and it is expected that they can reply to Lu's mother within one week.
Although small-account management fees began to be imposed on banks as early as 2005, it has been banned in 2011. However, the emergence of this scene still touched people's sensitive nerves, and it is still difficult to eliminate people's doubts.
No one can deny that the small account management fee involves a major change in the content of the contract between the bank and the depositor, but is the bank unilaterally determined to be effective? Can it be traced back? Is it fair for depositors like Lu Po Po? What is the reason for this?
After receiving six years, the China Banking Regulatory Commission and the People's Bank of China issued the "Circular on the Ban on Partial Service Charges of Banking Financial Institutions." It requires that, starting from July 1, 2011, banking financial institutions exempt small account management fees, etc. More than ten service charges. Based on this, whether it can be concluded that the small account management fees that have been collected are reasonable? People are still lost.
Banks as service providers need to reflect on: Does your customer trust you? Do you know how helpless choices are?
At this moment, I can't help but think of a message from the previous few days:
On the evening of September 7, Mr. Ding made a deposit at a bank self-help area near Hezhan Road on Nanjing Central Road. Due to an operation error, 10,000 yuan was swallowed up by the machine. Immediately after contacting the bank staff, the defendant had to wait two working days to process it. it is good. But his heart is not practical, and the police have no fruit for help, they came up with a move, change the phone call customer service, falsely said that the machine spit more than 3,000 yuan, 5 minutes after the customer service arrived. The explanation given is that the customer's money is swallowed. This money is still safe in the machine, but the machine vomits money and affects cash security.
Is the bank more accountable to its customers, fully thinking about the customer, or is it more worried about the loss of its own interests? Simple contrast, at a glance.
According to the staff’s explanation, it is safe for the bank’s machine to swallow the customer’s money. Does the consumer believe it? It's not safe for the machine to throw up money, will it be?
At the legal level, depositors and banks are equal entities in service contracts, and their respective rights and obligations should be equal. At any time, banks should not only take self-interests as their starting point, and not consider the interests and psychological feelings of customers. With the advantage of the industry, they should greatly reduce their services and even seek unjust gains.
Otherwise, in the long run, it will be easy to produce numbness ideas and ignore the legitimate demands of the clients. As a result, the continuous accumulation of bad information will, for the banking industry, accumulate into a huge amount of negative energy over time, which will eventually seriously affect consumers. The choice of banking services.
High-quality services can influence and cultivate high-quality customers, create a good financial service space and order, and promote the formation of a good relationship of trust. The banking industry has the responsibility and obligation to allow customers to feel the power of good faith with a good image of the service, thereby urging the public to further enhance their sense of integrity, enhance their cohesion, and increase their competitiveness.
In order to win the trust of customers, banking services may start with a little bit of solid ground.
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