Di Yi Cai Jing Zi Xun·2025-07-20 12:25Core Viewpoint - The "ICBC 250 million deposit missing case" has entered a new phase with the civil compensation lawsuit against the China Industrial and Commercial Bank (ICBC) Nanning branch officially starting on July 15, highlighting the effectiveness of the bank's internal control mechanisms [1][2]. Group 1: Case Details - The plaintiff's lawyer submitted 36 sets of evidence focusing on the bank's significant faults, including failures in internal control mechanisms and employee behavior supervision [2]. - The bank's defense presented 9 sets of evidence to argue that their business processes were compliant and that the losses were due to criminal actions unrelated to the bank [3]. - The case involves a total of 2.53 billion yuan, with the perpetrator, Liang, sentenced to life imprisonment for theft and fraud, while the court's decision on the bank's liability remains pending [3][4]. Group 2: Internal Control and Risk Management - Recent years have seen a rise in similar deposit "disappearance" cases across various banks, raising concerns about banks' responsibility boundaries and internal control risks [5]. - Industry experts emphasize the need for banks to strengthen internal management, optimize risk prevention mechanisms, and enhance employee behavior supervision to prevent such incidents [5][6]. - The case has exposed significant weaknesses in risk management and control systems within certain banks, prompting calls for urgent improvements [5]. Group 3: Legal Perspectives - Legal experts assert that even if criminal liability is assigned to individual employees, banks may still face civil compensation obligations due to their duty to protect depositors' rights [6]. - The relationship between management negligence and depositor losses is highlighted as a basis for potential court rulings requiring banks to provide compensation [6]. - Recommendations for depositors include avoiding high-interest offers, safeguarding personal identification, and diversifying deposits to mitigate risks [6].