A woman in Xinyang, Henan Province suddenly received a refund of 3.85 million yuan and 850,000 yuan. The woman felt that only 3 million principal was left, and the extra 850,000 was returned. But she did not expect that the woman was subsequently sued by the bank for unjust enrichment. It is understood that the woman bought trust products in the bank, but the trust company failed to invest, so that the bank returned more than 500,000 cash to the woman. The operation of the banking system was wrong, and 3.85 million yuan was directly transferred to the woman. The woman knew that the 3 million she invested could not make a profit of 850,000 in a short time, so she chose to return the extra money. Unexpectedly, the defendant went to court.

1. Ms. Yao bought the trust products through the bank.

Ms Yao of Xinyang had an idle fund in her hand, so she went to the bank to invest and get higher income. So I bought a trust fund through the bank. But because the investment failed, the trust didn't make any money. The trust company requires the bank to pay at the interest rate of 19.3%, and should transfer more than 590,000 yuan to Ms. Yao.

Second, there was an error in bank transfer.

Originally, the trust company entrusted the bank to transfer more than 590,000 yuan to Ms. Yao. Unexpectedly, there were certain problems in the banking system, and Ms. Yao received a transfer of 3.85 million yuan. Ms. Yao herself knows that it is impossible to earn so much money in a short time with the amount of 3 million she invested, so she returned 850,000 yuan and left her 3 million principal, but unexpectedly, the defendant went to court.

3. The bank sued Ms. Yao for unjust enrichment.

The bank originally wanted to return more than 590,000 yuan to Ms. Yao. Unexpectedly, her mistake led to more than 2 million yuan, so the bank sued Ms. Yao in the name of unjust enrichment, hoping that Ms. Yao could return the money. Ms Yao's funds have also been frozen. However, Ms. Yao feels aggrieved. The investment of 3 million has shrunk so much in such a short time that she has obviously returned the extra part. How did she end up in court? The transfer error is the bank's fault. Why can't banks bear certain responsibilities?