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储蓄存款被冒领是储蓄机构经营中的一个重大风险点,储蓄存款被冒领纠纷是储蓄机构与用户之间经常发生的一种储蓄合同纠纷,冒领储蓄存款的实质是储蓄机构没有正确有效地履行合同义务,没有构成有效的债务清偿,债权债务仍然未能归于消灭,因此,储蓄机构必须按严格责任原则向储户承担违约责任。但储蓄机构若能举证证明储户存在过错,则可以被免除或减轻其违约责任。
It is a major risk point in the operation of a savings institution that a savings deposit is taken as a risk factor. A dispute over a savings deposit is a frequent occurrence of a savings contract between the savings institution and the user. The essence of the savings deposit is that the savings institution is not valid To fulfill contractual obligations, did not constitute a valid debt settlement, claims and debts still can not be attributed to eliminate, therefore, savings institutions must be based on the principle of strict liability to the depositors bear the responsibility for breach of contract. However, if the savings institution can prove that the depositor is in fault, it can be relieved or lessened its liability for breach of contract.