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通过银行人员买理财血本无归

2017-07-01 23:43:29    北京晚报

一家银行工作人员以高利诱导客户买理财产品,致客户百万巨款血本无归。记者从海淀法院了解到,客户于先生起诉银行要求赔偿投资本金100万和利息15.75万元,法院受理了此案。

住在海淀区的于先生家附近一带于2011年8月开始拆迁,该银行派多名工作人员进行办卡宣传,称不花一分钱,只要拿身份证就能办价值500元的金卡。于先生觉得这是国家大银行,钱存里面放心,就办卡存入拆迁款。

办理业务时,银行工作人员王某、徐某极力推荐由一家基金管理公司管理的一款理财产品,称保本保息,年利率7%,安全性极好,收益率完全有保障。考虑两人是大银行工作人员,于先生就在该银行办公场地买了100万元理财产品,两年到期后收到了本金和利息。

2014年4月28日王某、徐某找到于先生,让他继续买理财产品。于先生表示“等着用钱,不想再买了”。但王某称可以买50万的。于先生问:“你不是说最低得买100万的吗?”王某解释现在50万也可以,且银行提供便民服务,客户可自行选择离家较近的银行网点办理,甚至可以上门服务。于先生考虑到前期投资都按时得到回报,大银行应该不会骗人,就又买了50万的第三人推荐的理财产品,基金管理人仍为该公司。

3个月后,王某、徐某利用该银行工作人员的便利身份,得知于先生有另一笔50万元定期存款将到期,3次到于先生家苦劝他将这50万也买这款理财产品,说要不银行任务完不成,还让于先生介绍新客户。于先生同意了,购买半年后分别收到合同中约定的利息款,但此后再未收到任何本金及利息。

后经了解,该理财产品的基金管理人因涉嫌犯非法吸收公共存款罪而被逮捕,导致投资人的本金和利息无法返还。于先生多次找银行领导,希望银行为其员工的职务侵权行为担责。但银行以王某和徐某已离职、所签合同与银行无关为由拒赔。

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