35万存款“归零”，银行岂能随意划扣储户存款?

Core Points - A bank unlawfully deducted 350,000 yuan from a guarantor's account to cover a borrower's debt, leading to a court ruling that mandated the bank to return the excess amount and pay interest [1][3] - The incident raises concerns about the safety of bank deposits and the integrity of financial institutions, as it undermines public trust in the banking system [1][3] - The legal framework stipulates that banks cannot arbitrarily seize funds without following judicial procedures, emphasizing the protection of citizens' rights [2][3] Summary by Sections - Incident Overview - A guarantor's account was drained by the bank to settle a debt without following legal procedures, resulting in a court ruling against the bank [1] - Legal Implications - The bank's actions violated the law, as creditors must pursue claims through court rather than directly seizing a guarantor's assets [2] - Impact on Public Trust - The case highlights the potential erosion of public confidence in the safety of bank deposits, which is crucial for the banking sector's reputation [1][3] - Regulatory Response - There is a call for regulatory bodies to investigate and penalize such misconduct to protect depositors' rights and maintain the integrity of financial institutions [3]