未成年人办理银行业务存在诸多的管理空白和操作盲点,亟需厘清法律关系,编制操作手册,严防风险事件发生案例:2015年8月,一位老年客户手持一张一万元的存单来到某农商行网点,要求办理取款业务。柜员审核后发现,该存单的开户名是老年客户的外孙(未满十周岁)。根据民法通则的规定:“不满十周岁的未成年人是无民事行为能力人,由他的法定代理人代理民事活动。”因 There are many management gaps and operational blind spots for minors to handle banking business. There is an urgent need to clarify the legal relationship, formulate operation manuals and prevent risk incidents. Case: In August 2015, an elderly customer held a 10,000-yuan voucher A rural commercial bank outlets, requiring withdrawal of business. After examination, the teller found that the account name of the deposit slip was a grandson of an aged customer (under the age of 10). According to the provisions of the General Rules of Civil Law: “Minors under the age of 10 are persons without civil capacity and are represented by their legal representatives in civil activities.”