【裁判要旨】储户有保管好存单、密码及相关证件的义务,因遗失致使存款被冒领要承担保管不慎的风险责任;银行在存单提前支取时应尽善意的注意义务,如在支付过程中存在程序性瑕疵,对存款被冒领的损失应承担相应的赔偿责任;如双方同时存在过错,则按过错 【Referee Key Points】 Depositors have the obligation to keep their certificates of deposit, passwords and related documents. Due to the loss, the depositors have to take the risk of being inadvertently kept. Risks of goodwill should be paid by the banks in advance of payment. For example, during the payment process In the existence of procedural flaws on the deposit was taken for the loss should bear the corresponding liability; if both parties exist at fault, according to fault