利息损失2.8万！二十七载存款风波，一张存单见证银行业变迁

Core Viewpoint - The case highlights a significant discrepancy between the promised automatic renewal of deposits and the bank's actual practices, leading to a substantial financial loss for the depositor over 27 years [1][5][6]. Group 1: Case Background - A 66-year-old woman, referred to as Grandma Wei, deposited 20,000 yuan in two one-year fixed-term deposits in 1997, receiving handwritten certificates as proof [1][2]. - The bank's staff allegedly assured her that the deposits would be automatically renewed upon maturity, which was a common practice at the time [2][4]. - After 27 years, when she attempted to withdraw her funds, the bank informed her that the interest accrued was only about 5,000 yuan, significantly less than expected [2][3]. Group 2: Dispute and Legal Proceedings - Grandma Wei contested the bank's explanation, recalling the staff's promise of automatic renewal, and filed complaints with regulatory authorities [3][4]. - The bank maintained that without explicit notation for automatic renewal on the deposit certificates, they were not legally obligated to renew the deposits automatically [5][6]. - The case escalated to court, where the judge noted discrepancies in the bank's calculations and the handling of the deposit records during a system upgrade in 2003 [5][6]. Group 3: Resolution and Industry Implications - The bank eventually acknowledged the oversight during the system upgrade, which led to the failure to apply the automatic renewal process for the electronic records [6][8]. - A compensation proposal was made by the bank, offering a sum equivalent to the interest that would have been earned had the automatic renewal been applied, which Grandma Wei accepted [6]. - This case underscores the challenges faced by the banking industry during the transition from manual to digital systems, particularly regarding customer trust and service continuity [8][9].