论储户存款被冒领责任的承担

The Responsibility of Falsely Claim of Deposit

储户存款被冒领的责任的判断,应根据储户的请求权基础裁量储户及金融机构的责任,对双方的责任应综合整个案情综合判断。但是在开户人或取款人递交的存单、身份证件等均真实的情况下,对取款人与身份证上的照片相符,金融机构只能按照其履行审查义务的能力在合理范围内作形式上的审查。

We should consider the customer s claim based on integrated discretion of savers and financial institutions responsibility while deciding the responsibility of falsely claiming of deposit.But if the owner of an account or withdrawals person submit real deposit certificate and identity documents,financial institutions can perform obligations in accordance with its ability to review in the reasonable scope for formal review.