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View Full Version : 储户假名存款12年银行拒认账 打官司讨回本息


qiaohe7071
05-19-2011, 07:41 AM
  12年前,东莞一储户熊某用假名在银行开户,实行实名制后又向银行提供假身份证。2007年,银行以无 法认定熊某身份为由拒绝为其办理存款业务。

  熊某将银行告上法庭,近日,法院一审判决储户胜诉,银行应支付熊某存款本息90万余元。

  假名存款 90万余元取不出

  1998年,存款并不需要身份证件,熊某就在中国建设银行东莞某分理处以“江昌慧”的名义开立了存款账 户。其后几年间,熊某向该账户累计存入90多万元。

  2000年4月1日起,我国开始施行存款实名制,nike shoes uk (http://www.nikeairmaxmix.com)。熊某请人伪造了一张名为“江昌慧”的假身份证提供给银行, 并办理存款业务。

  去年3月,熊某想取钱时,银行通过联网核查公民身份信息系统进行核查,认定“江昌慧”的身份证为假身份 证,遂以无法确定存款人身份为由,拒绝办理支取手续。

  无奈,熊某让公安局开具证明,证明显示公安局证实熊某曾办理姓名为“江昌慧”的假身份证,公安局已按规 定收缴了身份证并对其进行行政处罚。但银行仍然以无法确认证明其真实性为由拒绝办理。

  法院核实储户身份真实

  去年5月11日,熊某向法院提起诉讼,要求银行支付存款本息。

  去年6月24日,东莞市第三人民法院清溪法庭对该案进行了开庭审理。在庭审中,银行方面表示,由于识别 不了熊某是否就是“江昌慧”,银行也没有到公安局核实证明,所以不能让其支取款项。

  东莞市第三法院主动介入了调查,证实“江昌慧”的确就是熊某,同时在庭审现场勘察,证明了存折和密码的 真实性。

  此为广东省法院首宗虚名存款进入民事审判的案件

  法官提醒类似情况应尽快办理,否则证据将难以收集

  核心提示

  12年前,熊某为方便用假名在东莞一银行开设存款账户,并陆续存入90多万元。10年前,我国开始施行 存款实名制,熊某又图方便伪造假身份证提供给银行。2007年6月底,银行以无法认定熊某为存款人为由拒绝 为其办理存款业务。

  熊某无奈将银行告上了法院。近日,法院作出一审判决,认定熊某就是真实的存款人,判决银行败诉应支付熊 某存款本息90万余元。本院宣判后,双方都表示服从判决,nike shox (http://www.nikeairmaxmix.com)。据介绍,本案是广东省法院首宗、建设银行全国首例虚名存款 进入民事审判的案件。

  文\记者唐红杰 通讯员王创辉

  储户

  身份已证实 取款理由充分

  熊某表示,之所以使用“江昌慧”的名字,是因为自己以前身份证不在身上,当时存钱也并不需要身份证和真 实姓名,只需存折和密码。

  他认为,公安机关既然已经核实,自己又有原始存折和密码,而且银行留有“江昌慧”身份证复印件又与其所 持有的“江昌慧”身份证相同,他有充分的理由取回这笔钱,Nike Air Max Tailwind (http://www.nikeairmaxmix.com/nike-air-max-tailwind-c-120.html)。

  银行

  按规定操作并无过错

  银行方面表示,银行通过系统核查显示“江昌慧”的身份证号码不存在。对于熊某的身份识别工作,银行认为 完全是按《个人存款实名制规定》等相关规定操作,并无过错。

  银行还称,如果熊某是存款账户的真实持有人,就应当按实名制规定,在2000年4月1日以后办理第一笔 个人存款时,使用实名进行登记。否则银行方面不敢贸然办理支取业务。

  法院判决:

  银行身份识别时有过错

  法院表示,根据相关规定,金融机构除核对有效身份证件或者其他身份证明文件外,可以采取一种或者多种措 施,识别客户身份。但本案中银行除了向公安局进行电话核实外,并没有采取其他措施。银行对于“江昌慧”的身 份识别应承担责任。

  综合调查结果,证实熊某是存款人的证据明显优于否定的证据,因此法院认定熊某是账户的真实 持有人。

  另外,法院认为熊某在2000年4月1日前的存款行为并未违反相关规定,因此他在这个日期前的存款行为 是有效的。法院还认定熊某存款时并未主动提供身份资料,违反了行政法规的强制规定,cool nike air max (http://www.nikeairmaxmix.com/cool-nike-air-max-1-c-78.html),此后的存款行为归于无效。同时,法院认为银行方面在熊某存款时没有要求他提供身份资料, 也应承担一定的过错。

  法院据此作出一审判决,认定熊某在2000年4月1日前存入的存款有效,银行应归还其存款本息,而此日 期后的存款无效,银行应返还其存款本金,合计存款本息90万余元。该院宣判后,双方都表示服从判决,没有提 出上诉。

  法官提醒:

  类似情况应尽快办理

  该案法官表示,本案实质上是一个新旧法冲突的问题。

  法官提醒广大市民,在存款“实名制”实施前,以虚名开立银行账户的存款人应尽快到银行办理相关手续。如 在此日期后第一次存款的,可办理虚名转实名的手续。否则,虚名存款人应尽快注销虚名账户。

  尽量避免因时间流逝,使得相关证据难以收集或流失,导致无法证实存款人的身份而丧失权利。

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05-19-2011, 08:35 AM
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