银行存款安全谁负责？ - Who Is Responsible for Bank Deposit Safety? [HSK 5]

Chinese Short Dialogue | 听中文会话 | 中国語会話を聴く

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11d ago 1:42

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黄刚 and 陈花 discuss a bank deposit disappearance case, reflecting on bank responsibility and depositor risk awareness.

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《English Translation》

黄刚: Xiao Hua, did you see today's news? The trial for the 250 million yuan deposit disappearance at ICBC Nanning branch started today. The lawyer said the bank’s internal controls had major issues.
陈花: I saw it! I was really shocked. Aren’t banks supposed to be the safest place? How could insiders steal depositors' money?
黄刚: The key point is that the bank's internal control system was basically useless. The depositor’s money was taken out just 45 minutes after it was deposited, transferred by internal staff through fake procedures. What’s worse, the banking regulator gave 11 consecutive warnings, but the bank ignored them.
陈花: That's outrageous! But I also saw that the bank claimed the depositor was greedy for high interest and trusted staff too easily, giving them both their password and ID, so the bank says it isn’t responsible.
黄刚: That's exactly the issue. As a financial institution, a bank's most basic duty is to safeguard depositors’ funds. Even if customers make mistakes, the bank’s internal controls should never completely fail.
陈花: Right, this case is a reminder that depositors also need to be cautious and not trust any individual too much. When handling procedures, you must follow official processes to avoid unnecessary risks.
黄刚: Exactly. Both banks and depositors need to reflect. This should be a wake-up call for banks—to improve internal controls and strengthen legal and ethical training for employees, so incidents like this don’t happen again.

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