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问:前不久,我不慎将存折丢失了,存折上有余额1.8万元。因我家离银行较远,我立即打电话向银行声明挂失,银行职员钟某接到电话后立即进行查对,发现我账内存款尚在,遂通知我次日到银行办理正式挂失手续。次日上午10时许,我去银行办理正式挂失手续,但被告知有人将我存折的本金及利息1.9万多元冒领。报案后,公安机关未将此案侦破。我要求银行赔偿损夫,但银行以我未办理正式挂失手续为由拒绝赔付。请问银行应否赔偿我的损失?答:根据你所说的情况,我认为银行应当赔偿你因存款被冒领所造成的损失。因为你将钱存入银行之后就与银行建立了储蓄合同关系,《金融机构储蓄规章》规定:储户有申请挂失的权利。储户的存单、存折或印
Q: Not long ago, I accidentally lost my passbook, with a balance of 18,000 yuan on my passbook. Because my family is far away from the bank, I immediately called the bank to report the loss, bank staff Zhongmou immediately after the call check and found that my account is still in the deposit, then notify me the next day to the bank for an official report of loss procedures. At 10 o’clock the next day, I went to the bank for formal reporting of the loss, but was told that someone would book over $ 19,000 in principal and interest on my passbook. After reporting the case, the public security organ failed to detect the case. I asked the bank to compensate for the loss, but the bank refused to pay for it on the ground that I did not go through the formal procedures for reporting the loss. Will the bank compensate me for my loss? A: According to what you said, I think the bank should compensate you for the loss caused by the bankruptcy of your deposit. Because you deposit money into the bank after the bank has established a savings contract, “Financial Institutions Savings Regulations” provides: depositors have the right to report the loss. Depositor’s deposit slip, passbook or seal