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盐城一农行被指＂存款变保险＂,15万辛苦钱到期难兑现

  • 2026-07-04 17:40:13
盐城一农行被指＂存款变保险＂,15万辛苦钱到期难兑现

市民反映:2021年，张阿姨到镇上的农业银行存钱，把自己辛辛苦苦攒下的15万元存了进去。今年这笔钱到期，她去银行取钱时才发现，当初存的根本不是存款，而是保险。

在后续的沟通录音中，面对家属的质问，银行工作人员虽未直接否认“存款变保单”的事实，却试图用“当时存款利息低，保险收益高”来轻描淡写地合理化这一行为。更令人咋舌的是，作为过错方，银行竟给出了“赔偿444.13元及小礼品”的敷衍方案。

当张阿姨要求对质时，现场更是上演了一出“踢皮球”大戏：银行摇身一变成为“和事佬”，反而拉来退休会计、上级领导与保险公司人员“组团”施压。这种试图用几百块钱打发储户、将责任全盘推给保险公司的做法，被网友犀利讽刺为：“这就好比小偷偷了东西，没被抓就私吞，被抓了退回去再送个赠品就算完事？”

目前双方仍僵持不下。这也让人不禁质疑：究竟是多诱人的提成差价，能让银行人员不惜透支信誉，将储户的养老钱变成了“烫手”的保险单？

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  139. /yingpanguazai/ssd/ssd1/www/h.mffb.com.cn/runtime/temp/32b793ebdcbdb96aeb8bb24c123b0bef.php ( 11.98 KB )
  140. /yingpanguazai/ssd/ssd1/www/h.mffb.com.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000512s ] mysql:host=127.0.0.1;port=3306;dbname=h_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000738s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000259s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000228s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000509s ]
  6. SELECT * FROM `set` [ RunTime:0.000195s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000652s ]
  8. SELECT * FROM `article` WHERE `id` = 545784 LIMIT 1 [ RunTime:0.000385s ]
  9. UPDATE `article` SET `lasttime` = 1783266806 WHERE `id` = 545784 [ RunTime:0.010998s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000262s ]
  11. SELECT * FROM `article` WHERE `id` < 545784 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000430s ]
  12. SELECT * FROM `article` WHERE `id` > 545784 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000395s ]
  13. SELECT * FROM `article` WHERE `id` < 545784 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000876s ]
  14. SELECT * FROM `article` WHERE `id` < 545784 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.001080s ]
  15. SELECT * FROM `article` WHERE `id` < 545784 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.000923s ]
0.108121s