How much is the authority of payment: Source: In today's legal rights, the legitimate rights and interests of consumers have been deeply rooted, as financial consumers, how to use relevant financial laws and regulations, safeguard their legitimate rights, and all financial consumers are also very concerned thing. At present, the financial products of commercial banks have emerged, including personal financial products. Therefore, there are many equity knowledge about financial products to remind consumers. Such as savings business, currently in my country's bank deposit structure, the savings deposit has nearly 8 trillion yuan, as a depositor, according to our relevant regulations, the following rights can be enjoyed: voluntarily, free use of freedom. Cash held by residents is personal assets, whether in stock institutions or other uses, which savings institutions are deposited, stored, and the survival is regular, and they are completely decided by residents. Similarly, residents can also Take some or all deposits at any time as needed, and the savings institution shall not extract deposits according to any reason. Interest review rights. When the depositor has a false or doubtful doubt of savings, the depositor has the right to apply for review to the running savings institution, and the treated savings institution shall promptly accept the review, and it is true, it is true. The depositor is corrected. Deposit security rights. The household name, account number, deposit amount, deadline, identity number, etc. are personal privacy, any unit and individual do not legally check the deposits of the depositors, and cannot freeze or allocate personal deposits. Savings institutions and their staff have a confidential responsibility for the situation of the depositors. In the case of unauthorized depositors, they must not reference the depositor's information in foreign publicity. Savings interest rates, types are known. The savings institution should be obviously suspended in the organization, and the interest rate standards and interest tax rates specified by the State shall not reduce or change to improve interest rates and tax rates without authorization, and the type of business should be made in this institution. The foreign currency savings should be opened, and the foreign currency type and interest rate should be announced. Legal rights protection rights. The households have been damaged by their legitimate rights and interests, and have the right to pick up legal weapons to file a lawsuit to the people's court to effectively protect their legitimate rights and interests. Savings institutions illegally report the right. The People's Bank of China is the competent authority of China's savings industry, responsible for national savings management, and the depositors have discovered savings institutions to open a savings business, and the savings institutions will stop business or shorten their business hours, and the savings institutions take unfair to absorb save deposits, violating national interest rate regulations. , Unauthorized changes in the interest rate and other similar violations, can report to the local People's Bank, the People's Bank of China is ordered to correct it, and it is impressed according to the plot, and the business license is suspended. "The financial institution's business license is revoked; Criminal responsibility is investigated according to law. Other service rights. Residents have the right to enjoy the unconditional exchange of unconditional exchanges of the renminbi, and can also require savings institutions to find a service. For the renminbi, the renminbi provided by the savings institution is not "70% new" standard, which can refuse to receive.
