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女子被冒名贷款产生不良记录 银行赔偿1万元

2016-12-29 10:18:12   华声在线

(原标题:湘潭一女子被冒名贷款产生不良记录银行赔偿1万元)

【判决结果】

因他人冒用受害人身份资料在银行贷款,导致受害人产生不良信用记录,由此对受害人造成的损失,银行应承担赔偿责任。近日,湘潭县人民法院判决的罗女士起诉湘潭县某银行侵权纠纷案,经过二审法院判决,认定湘潭县某银行对他人以罗女士之名的骗贷导致罗女士留下不良贷款信用记录的事实,由湘潭县某银行赔偿罗女士精神损害抚慰金等损失1万元。

【案情回放】

2015年8月26日,罗女士及其丈夫在向中国邮政储蓄银行申请个人消费贷款时,发现她个人存在贷款不良信用记录,后查实系他人利用罗女士在某移动公司办理业务时留下的身份证资料,假冒罗女士之名,在湘潭县某银行办理了两笔信用贷款,并产生了不良信用记录。事后,罗女士多次向中国人民银行湘潭市分行等反映情况、调取资料,湘潭县某银行向上级银行申请消除了罗女士在人民银行征信系统中的不良信用记录,但双方就赔偿一事多次协商未果,罗女士遂诉至法院。

【法官说法】

审理本案的法官张雪强认为:罗女士因生活需要向银行贷款时发现自己存在不良贷款记录,经多次向湘潭县某银行及相关部门反映、投诉,得知是因湘潭县某银行管理不善,其工作人员利用职务便利,帮助他人冒用罗女士之名贷款未还而产生不良贷款记录。虽然不良贷款记录已消除,但在发现自己存在不良贷款记录到消除不良贷款记录期间,罗女士承受了巨大的精神压力,也为此花费了大量时间和精力。湘潭县某银行的行为对罗女士的生活、工作均产生了不良影响,亦造成了一定损失,罗女士有权主张赔偿。因此,法院判决湘潭县某银行在判决生效后3日内公开向罗女士赔礼道歉,并赔偿其精神损害抚慰金等损失1万元。

【温馨提示】

信用记录对公民来说非常重要。罗女士遭受无妄之灾,完全是银行管理不善所致。银行应加强对员工的管理,不做有损银行信用的事。

责任编辑:曲格林 CN064、刘敏丹 CN012
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