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近年来,商业银行发生多起冒名开立个人账户事件并导致争议纠纷。冒名个人账户侵害被冒名个人客户合法权益,同时也干扰商业银行正常经营活动,极易造成客户损失并给商业银行带来法律和声誉风险。如何恰当稳妥处置冒名开立个人账户外部欺诈事件,积极响应被冒名客户有关需求,充分维护客户合法权益,避免客户和银行遭受风险损失,已成为必须研究解决的突出问题。本文拟结合实际案例,根据有关法律规范分析冒名开立个人账户处置工作相关法律问题,进而为商业银行实践提出参考建议。
In recent years, many commercial bankruptcies have led to the opening of personal account incidents and lead to controversial disputes. Imposing personal accounts infringement on the legitimate rights and interests of individual customers, but also interfere with the normal business activities of commercial banks, can easily lead to customer losses and commercial banks to bring legal and reputational risks. How to deal with the external fraud of personal accounts properly and properly, respond positively to the demands of impostors, fully safeguard the legitimate rights and interests of clients, and avoid the loss of risk to customers and banks has become a prominent issue that must be studied and solved. This article intends to combine the actual case, according to the relevant legal norms to analyze the legal issues related to personal account disposal, and then put forward suggestions for the practice of commercial banks.