Recently, some media reported that 457 graduates of Guangxi Chongzuo Kindergarten Teachers College/KLOC-0 were unwittingly opened multiple accounts in China Agricultural Bank.
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1457 graduates were issued multiple bank cards.
Ms. Wang, a graduate of Chongzuo Kindergarten Teachers College in 2020, said that they all entered the school on 20 17. Recently, some students went to the Agricultural Bank of China to handle ETC or provident fund accounts after graduation. They were told they couldn't get a card, only to find that they had multiple bank cards of Agricultural Bank of China. When asked in the graduation group, everyone went to inquire and found that almost everyone had it.
▲ After receiving the feedback, the school teacher replied in the group chat that the school has organized a meeting and is following up to solve this matter, and uploaded a "Class II and Class III Electronic Account Description" issued by a suspected bank in the group.
Ms. Wang said: "The card processing time is June 24, 2020. We graduated on June 30, 2020, but I didn't know, authorized, or knew. There are seven second-class and third-class electronic accounts opened by Chongzuo Jiangzhou Sub-branch, and the bank said that there is cooperation with the school. "
▲ The list of "opening cards" shows that 1457 people have "opened accounts", all of whom are students of Chongzuo Kindergarten.
Ms. Wang told reporters that they had called the police, but the police had not given a decision on whether to file a case.
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School: Never disclose student information.
In response, Chongzuo Preschool Teachers College responded: "The school did not disclose the identity information of students through any channels and did not open a bank account for students. Please ask the parties to defend their rights through legal channels. "
▲ The school responded.
A teacher from the Finance Department of Chongzuo Kindergarten Teachers College said in an interview with the media that these students entered school in 20 17. After 20 18, the school did not cooperate with the Agricultural Bank. The school just found the current problem and asked the bank to give an explanation and solve the problem.
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Agricultural Bank of China: caused by irregular operation
Chongzuo Branch of Agricultural Bank of China responded by admitting the mistake and apologizing to the affected students.
Chongzuo Branch said:
After verification, this matter is indeed caused by the failure of the business office of Jiangzhou Sub-branch under the jurisdiction of the bank to fully communicate with customers, lax internal audit and irregular operation. Chongzuo Branch promises never to shirk its responsibilities, get in touch with the relevant students one by one as soon as possible, cancel the opened accounts with their consent, apologize to the relevant students and resolutely safeguard their legitimate rights and interests. At the same time, internal management will be strengthened, process loopholes will be plugged, compliance operation will be ensured, and the responsibilities of relevant responsible persons will be seriously investigated according to the rules and regulations.
▲ The bank responded.
An industry insider who works in other banks said that the reason for handling Class II and Class III cards is that customers already have a Class I card in the bank, and the functions of Class II and Class III cards are limited. Among them, the single-day transaction limit of Class II card is 6.5438+0 million yuan, the annual cumulative transaction limit is 200,000 yuan, and the account balance of Class III card cannot exceed 2,000 yuan.
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Lawyer: Banks should bear legal responsibilities.
Zhao Liangshan, a public interest lawyer, believes that banks should bear legal responsibility for handling bank cards for students without their knowledge, because according to the regulations of real-name registration system on personal savings accounts, "financial institutions are not allowed to open personal savings accounts for students who do not show their identity documents or use their names".
If students have never left any information in the bank, but have been given a bank card, then it is necessary to trace the perpetrators of leaking student information. Disclosing students' information is an invasion of students' privacy and requires civil tort liability. If the illegal income from leaking information for profit reaches more than 5,000 yuan, or the amount of leaked information reaches a certain amount, it is suspected of infringing citizens' personal information and can be investigated for criminal responsibility.
Source: Voice of China, Jim News, CCTV.