35万元银行存单，突然“消失”！这家农商行被告上法庭，法院判了

Core Viewpoint - A regional bank's unauthorized deduction of a guarantor's deposit has raised significant public concern regarding the legality and ethics of such actions [1][6]. Group 1: Case Summary - A customer, Kang, had a large deposit of 350,000 yuan that was deducted by the bank without notification after one month [2][5]. - The case originated from a loan guarantee Kang provided over a decade ago, where the borrower defaulted, leading to a court ruling that was not fully executed due to the lack of assets from the guarantors [3][4]. - The bank deducted Kang's deposit without informing him, and he only became aware of this action several months later, prompting him to file a lawsuit [5][6]. Group 2: Legal Implications - The court ruled that the bank's action to deduct the deposit was illegal, emphasizing that the deposit created a contractual relationship that the bank must honor [6][8]. - The bank should have sought legal recourse to recover debts rather than unilaterally deducting funds from Kang's account, which violates banking regulations and customer trust [7][8]. - Legal experts stress that banks must adhere to proper legal procedures and cannot arbitrarily freeze or deduct customer deposits without judicial approval [8][9]. Group 3: Regulatory Context - The incident highlights the importance of regulatory compliance in banking operations, as unauthorized deductions challenge the fundamental principle of safeguarding customer deposits [8][9]. - Recent administrative penalties against banks for illegal actions regarding customer deposits indicate a growing scrutiny of banking practices [9].