山西吕梁57名储户银行大厅损失千万本金后续：当地已成立调查组

Core Viewpoint - The incident involving 57 depositors in Luliang County, Shanxi Province, who lost a total of 11.8 million yuan due to fraudulent financial products promoted by non-bank personnel, has raised significant concerns regarding banking regulations and consumer protection [1][2]. Group 1: Incident Overview - In 2019-2020, depositors were misled by three individuals posing as bank employees, leading to substantial financial losses [1]. - The total reported loss by depositors amounts to 11.8 million yuan, with the incident remaining unresolved after five years [1]. - The local government has formed a joint investigation team to look into the matter, considering previous cases and new information from victims [1]. Group 2: Regulatory Context - According to regulations, commercial banks are prohibited from allowing non-bank personnel to engage in product promotion and sales at their branches [1]. - An investigation by the Luliang regulatory branch of the China Banking and Insurance Regulatory Commission in July 2022 concluded that the individuals involved were not bank employees and lacked evidence linking the fraudulent products to the bank [1]. Group 3: Legal Implications - Legal experts suggest that the bank's liability for compensation depends on whether there is a causal relationship between the bank's failure to exercise due diligence and the depositors' losses [2]. - Depositors may pursue legal action against the bank under the premise of "safety guarantee obligation infringement," but they face challenges in providing evidence and protecting their rights [2].