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No. 2 of the Second Group of Model Cases Involving the Protection of People's Livelihood Issued by the Supreme People's Court: Yu Jianshui v. the Industrial and Commercial Bank of China (Shanghai) An'shan Road Sub-branch and the Industrial and Commercial Bank of China (Shanghai) Yangpu Sub-branch
最高人民法院公布保障民生第二批典型案例之二:俞建水与中国工商银行股份有限公司上海市鞍山路支行、中国工商银行股份有限公司上海市杨浦支行储蓄存款合同纠纷案
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最高人民法院公布保障民生第二批典型案例之二:俞建水与中国工商银行股份有限公司上海市鞍山路支行、中国工商银行股份有限公司上海市杨浦支行储蓄存款合同纠纷案

 基本案情
 2008年5月上旬,案外人徐某和被告工行鞍山路支行的客户经理陈某虚构该行销售年息高达16%的一年期定期储蓄产品,诱骗原告俞建水前往该行存款。在办理开户手续时,陈某偷偷代原告开通了“网上银行”并领取了U盾,却仅将一张银行卡及一本加盖被告工行鞍山路支行印章的理财金账户活期对账簿交由原告。次日,俞建水在自动存款机和银行柜面分别向系争账户存入200元及500元。同月14日,原告与陈某、徐某签订一份《委托书》,约定由原告存入被告工行杨浦支行2500万元,期限一年,不提前支取,不转移,不挂失。陈某以被告委托代理人的名义在该合同上签字,并利用职务之便,在合同上偷盖了工行杨浦支行的业务章。当日,原告将2091万元存入上述账户,徐某则将承诺的所谓“高额息差”409万元转入该账户。当日下午,徐某即利用冒领的U盾登录网上银行,将2500万元转账支取后供个人挥霍。事发后,徐某、陈某等人因诈骗罪被法院判刑。原告以存单到期被告未兑付为由起诉至上海市杨浦区人民法院,请求法院判令两被告兑付其存款本金2500万元及相应利息。
 裁判结果
 上海市第二中级人民法院二审认为,相对于普通储户而言,银行更有条件防范犯罪分子利用银行实施的犯罪,故银行应当制定完善的业务规范,并严格遵守规范,尽可能避免风险,确保储户的存款安全,维护储户的合法权益。但是,如储户事先明知可能发生不法侵害却未采取必要的防范措施,或故意违反储蓄机构必要的安全规章制度而导致其财产受损,且该过错与损害结果之间存在因果关系的,则储户应当在其过错范围内承担相应的责任。
 ......



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