Hunan, a bank forced thousands of college freshmen do bank cards

After several twists and turns before landing in Beijing did not do the new cards and online banking.

Bank response: open card to expand the amount of

lawyer: Alleged violation of “Commercial Bank Law” violation of the consumer rights

Xiangtan thousands of students in the Bank of China “is to do card”

Source: Hunan Radio and Television – “legal weekly”

the reporter Lei Hongtao text/map

never been to Xiangtan, Xiangtan how the Bank of China branch in Kim Branch opened card? Yiyang land is not some high school graduates do not understand.

land not graduated from high school to prepare to study abroad. Not long ago, because the money to go to school abroad, he went to Beijing’s China bank online banking in China with a bank debit card, I did not expect rejected.

land bank staff told not: you have a Bank of China under the name of the bank card, and opened online banking, branch opening act Kim Xiangtan branch of Bank of China.

Xiangtan what this branch of the Bank of China gave him a card to open? December 25, 2011, land is not to the “rule of law Weekly” reporter complaints. According to the reporter, did not have land enrolled in Hunan Vocational College of Science, at least not the same as Miss thousands of students to be the branch office of the card.

Hunan Jian Wan and co-lawyer law firm, said the branch’s behavior has been suspected violation of the “Commercial Bank Law.”

thousands of students experience “is to do card”

“(bank) teller said I have to do a card I do card now online banking can not be used, it is imperative to do online banking log out before I look on the ignorant, really angry. “Lu did not say.

learned through relevant information: the card is the Bank of China Bank branches Kim Xiangtan branch, open card time is August 18, 2011.

Yiyang land is not, he said he had never been to Xiangtan, has never received the Bank of China sent his bank card. He said that if money is not found in the Office card, he also kept in the dark.

card refused to do in Beijing, the land is not Xiangtan branch of the Bank of China branch discussing Kim. He learned that the original line and the Hunan Institute of the Vocational and Technical Academy in the school’s students have handled a Chinese bank card. According to the Hunan Institute of Vocational and Technical College Admissions Office related to the teacher that the school when the school year, about 1,000 students apply for this card.

in the land is not a complaint, only to help him off the bank’s online banking before, but have not yet met goes a bank card, still not canceled. After several twists and turns, land is not re-open the card and was able to use online banking.

land is not too happy not: banks in the consumer without the knowledge of the compulsory open card, a violation of his rights.

party bank responded:

is to “expand our open card volume”

December 26, “the rule of law Weekly” reporter on the land is not a complaint contact the Bank of China branches Kim Xiangtan branch. The line of the staff members explained that they did for the Hunan Institute of Vocational and Technical College opened a new batch card. The staff admitted that the move is to “open the card to expand our capacity.”

The staff explained: “We signed an agreement with the school as long as the schools name and ID number on it.” The staff also introduced, in a contract with the school and to get the list , banks will be opened for the students to a bank card and a network of silver. The staff member said: “If you want to use this card, you must go to the bank activation. Activated in order to use online banking and if not, you go to the bank eliminate it. Does not produce any cost.” Correspondent asked the bank In the open card that you have received a copy of student ID card? The staff member said: “I do not know that I remember seems to have identity card.”

but then this reporter contacted the Hunan Institute of Vocational and Technical College Admissions Office related to the teacher, he was sure to say that schools do not provide a copy of student ID card to the bank.

correspondents and advice that the Bank of China 95566 customer service phone, bank card customers to China, must hold valid personal identification documents to the Bank of China outlets to apply for any. So, the so-called “batch run card” is to provide effective customer ID it? Service description, quantities bank card, customers need to provide the agent’s valid ID.

branch staff, said Kim, cards are available to the school, and then sent to students by the school.

Bar:

bank alleged violation of “Commercial Bank Law”

recent years, colleges and universities acceptance letter in the entrainment bank card or phone card situation is common. Ministry of Industry in July this year issued a notice on its website to provide basic telecom companies may not enter into exclusive agreements with the school, nor the telephone user identification card on the students in the admission notice enclose. But, no notice shall enclose the relevant department for bank cards.

Some people think that college has become the business of “Salesman”, some people think that this upcoming school students to provide a convenience. But a case can not be ignored is: now for bank cards, phone cards are the real-name system.

Hunan million and co-counsel law firm, said Li Jian, based on “Commercial Bank Law” clearly stipulates that commercial banks and business customers should follow the equality, voluntariness, fairness and good faith principle. The case shows the situation is clearly contrary to its advocacy of the voluntary principle, even if the bank claimed for free, but also against the law, shall be null and void.

Jian Counsel further contends that, while a large number of schools in the process to the commercial sector to provide citizenship information at its disposal to carry out commercial operations for its conduct, regardless of their motive is profit involved, constitute a tort, shall bear corresponding civil liability. Serious and relevant staff, based on “Criminal Law” Article 253 of the illegal disclosure, access to personal information of citizens crime shall be liable to three years imprisonment or criminal detention and a fine or a fine. Therefore, regardless of the school and the bank, which alleged violation of criminal conduct should be promptly corrected, or they will make a big mistake.

law firm Zhu Yuangui Hunan Golden State lawyers pointed out that under “real-name system individual bank accounts,” Article VI “individuals in a financial institution to open a personal deposit account, it should show his identity documents, use their real names.” Article 7.2 “does not show his identity card or do not use the name on your ID card, financial institutions are not allowed to open a personal deposit account” requirement, Xiangtan branch of the Bank of China branch in the absence of Kim students attend in person or Dai Liren the scene to produce an identity card to open an account is not the case. Bank agreement with the school students did not get authorization by its agreement is not valid. Banks to do so in violation of the “Republic of China on Commercial Banks,” Article IX, the provisions of Article 29, is an act of unfair competition, violation of the student’s right to choose freely deposit and right to a name, is a typical force consumer behavior.

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