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 - The article highlights a case where a regional bank unlawfully deducted a guarantor's deposit without judicial procedures, raising concerns about banking practices and customer rights [2][5]. Group 1: Case Background - The incident began when a customer, Kang, guaranteed a loan of 200,000 yuan for another individual, Ding, in 2013. Due to Ding's failure to repay, the bank pursued legal action but could not fully recover the debt [3]. - In February 2024, Kang deposited 350,000 yuan in a time deposit with the same bank, which was deducted without notification a month later [3][4]. Group 2: Legal Proceedings - Kang discovered the unauthorized deduction in August 2024 and subsequently filed a lawsuit against the bank. The court ruled that the bank must return 92,369.49 yuan and compensate for interest losses, totaling 99,999.49 yuan [4][6]. Group 3: Legal Implications - Legal experts emphasized that the bank's actions violated the contractual obligations to safeguard customer deposits. The court found that the bank should have sought legal recourse to recover debts rather than directly deducting from Kang's account [6][7]. - The case serves as a warning that banks must adhere to legal protocols and cannot arbitrarily freeze or deduct customer funds without proper judicial procedures [6][8]. Group 4: Regulatory Context - The article notes that unauthorized deductions challenge the fundamental principle of banks ensuring the safety of customer funds. Regulatory frameworks, such as the Savings Regulations, impose strict penalties for such violations [8]. - Recent administrative penalties against banks for illegal inquiries and deductions highlight the rarity of such cases and the importance of compliance with legal standards [8].