女子1997年存2万定期 27年后利息仅4000多元！她将银行告上法庭

Core Points - The case involves a dispute between a customer, Wei A Po, and a bank regarding the interest earned on a fixed deposit of 20,000 yuan made in 1997, which resulted in only 5,000 yuan in interest by the end of 2024 [1][2] - Wei A Po claims that the bank did not inform her about the lack of automatic renewal for her deposit, which she believed was standard practice, leading her to seek compensation of 28,000 yuan based on what she would have earned with automatic renewal [3][4] - The bank argues that there was no legal obligation to renew the deposit automatically since the original terms did not specify this, and the deposit was treated as a one-year term without automatic renewal [3][4] Summary by Sections Deposit Details - In 1997, Wei A Po deposited 20,000 yuan in a bank with two manually issued certificates [2] - By the end of 2024, she was surprised to find that the interest accrued was less than 5,000 yuan [1][2] Dispute Origin - The bank explained that the manual certificates did not indicate automatic renewal, thus the funds were treated as a regular savings account after maturity [2][3] - Wei A Po contends that she was assured by bank staff that her deposit would be automatically renewed, leading to the current legal dispute [3] Legal Proceedings - After multiple complaints to regulatory bodies and failed mediation attempts, Wei A Po decided to take legal action against the bank for compensation [3][4] - The bank maintained that it had no obligation to renew the deposit automatically due to the lack of explicit terms in the original agreement [3][4] Resolution - A key discovery during the legal proceedings revealed that the bank had initially treated the deposit as automatically renewed until a system upgrade in 2003, which failed to carry over this status [4] - Following this revelation, the bank offered a compensation plan based on the interest that would have been earned had the deposit been automatically renewed, which Wei A Po accepted [5] - The case highlights the evolution of the financial system in China and the importance of clear communication and customer service in banking practices [5]