论存款被冒领纠纷案件的处理原则

Handling principle in savings was fraudulent claimed case

储蓄存款被冒领是储蓄机构经营中的一个重大风险点,储蓄存款被冒领纠纷是储蓄机构与用户之间经常发生的一种储蓄合同纠纷,冒领储蓄存款的实质是储蓄机构没有正确有效地履行合同义务,没有构成有效的债务清偿,债权债务仍然未能归于消灭,因此,储蓄机构必须按严格责任原则向储户承担违约责任。但储蓄机构若能举证证明储户存在过错,则可以被免除或减轻其违约责任。

Savings deposits have been false savings institutions operating in a major risk,savings deposits have been false savings institutions is a dispute between the user and a recurring savings of a contract dispute,false savings in real terms is not correct and effective savings institutions To fulfill contractual obligations,does not constitute a valid debt,the debt is still not attributable to the eradication of debt,savings institutions must be in accordance with the principle of strict liability to the depositors bear the responsibility for breach of contract.However,if savings institutions prove the existence of the use’s fault,it can be to waive or reduce its responsibility for breach of contract.