为打赢官司，郭振峰自己搜集证据、整理材料。

For winning cases，GuoZhenFeng himself collect evidence、Finishing materials。

　　

中学老师自学法律告赢银行 High school teacher studied law against win bank

　　

储户存钱时银行未审查，导致6万块钱存到骗子所开账户，法院判银行担责 Savers when saving bank not review，Lead to 60000 dollars deposit to open account by crook，The court sentenced to bank bear responsibility

　　一位父亲的存折被骗子调包，存折上的6万元存款不翼而飞，他本想状告银行，可又没这个勇气，郁郁寡欢9个月。儿子不请律师，自学法律，作为父亲的民事维权代理人，把银行告上法庭。此案从起诉到终审判决，历时三年，4次开庭，儿子终于为父亲追回40%的经济损失。儿子说，出了这个事情，父亲和银行都有责任，希望广大读者吸取教训，特别是银行应严格执行有关规定，让老百姓存钱取钱都放心。

A father's bankbook be cheater switch，The book 60000 yuan deposit had disappeared，He wanted to against the bank，But he didn't have the courage，The sullen 9 months。His son not to invite the lawyer，Studied law，As a father's civil rights agent，The bank to court。The case from prosecution to a final decision，Spent three years，4 times the hearing，Son finally for father back 40% of the economic loss。Son said，Out of this thing，Father and Banks have responsibility，Hope readers learn lessons，Especially the bank should strictly carry out the relevant provisions，Let people take take money to save money。

　　

老郭碰上“程老师”，掉进一个连环套 LaoGuo meeting with“Miss cheng”，Fell into a LianHuanTao

　　7月23日，读者郭振峰给本报编辑部来信说，他为父亲老郭打赢了一场官司，法院也把银行赔偿他们的损失强制执行完结。此事虽然过去三四个月了，可他一直放不下，总想把自己的感受告诉更多人，让大家受益。想来想去，觉得还是通过燕赵晚报这个平台了却自己的心愿为好。

July 23,，The reader to our newspaper editorial department GuoZhenFeng letter said，His father LaoGuo for won a lawsuit，The court also take the bank compensation for their losses end of the compulsory execution。This matter though the past three to four months，But he has not put，Always want to their feelings tell more people，Let everybody benefits。It want to，Feel or through the yan evening news this platform at his own desire for good。

　　生意人大都想迎来大客户，家住石市五七路的老郭也不例外。

Most want to get customers businessman，Live in the city of 57 road LaoGuo stone is no exception。

　　2008年6月，卖床板多年的老郭家来了一位不速之客。此人自称姓程，是河北师范大学的教师，慕名前来为学校订购3000套学生床板。双方谈好价格，约好次日在河北师范大学签合同。

June 2008，The lower years of LaoGuo sell house come an uninvited guest。This person claiming to name process，Hebei normal university is the teacher，Our school who come for an order of 3000 lower students。Both sides to good prices，The next day about good in hebei normal university to sign the contract。

　　第二天，老郭依照那位来客的叮嘱，来到河北师范大学，迎面正好碰到那位自称姓程的老师。“程老师”说：“我马上要去开会，就在楼道签合同吧！”可他并没有马上签字，而是略有所思地对老郭说，他想先支付老郭30%的定金，只是不放心老郭的经济实力，担心老郭不能按时完成3000套床板的业务，建议老郭到某银行办个存折，存几万元钱，以证实自己的经济实力。

The next day，LaoGuo in accordance with the guest told，Came to hebei normal university，Just the name met head-on claim process teacher。“Miss cheng”said：“I want to go to the meeting，In the corridor's sign the contract！”But he didn't immediately sign it，But what LaoGuo said to slightly，He wants to LaoGuo to pay a deposit of 30%，Just don't trust LaoGuo economic strength，Worry LaoGuo can't finish the lower 3000 sets of business，Suggest LaoGuo a bank to do a passbook，Save tens of thousands of yuan of money，To prove their economic strength。

　　老郭见“程老师”对河北师大很熟悉，就越发相信此人，于是就答应照办。

LaoGuo see“Miss cheng”Of hebei normal university is familiar，They believe that this person，So he promised to do it。

　　

存折掉包，“程老师”取走老郭6万块 Passbook DiaoBao，“Miss cheng”Take LaoGuo 60000 pieces

　　“程老师”带着老郭到某银行富强大街支行办理存折，自己假装毫不关心地坐在一旁等待。其实，他早就在第一次接触老郭时，便获知老郭的真实姓名，悄悄到这家银行长安支行，以假军官证，冒充老郭申请开设账户。然后，又利用带老郭到银行开户的机会，将老郭的存折调包。

“Miss cheng”With LaoGuo to a bank branch for prosperous street passbook，His CARES not pretend to sit there waiting。In fact，He would have in the first contact LaoGuo，He learned that LaoGuo real name，Quietly to the bank changan branch，Come to the false，Pretend to be LaoGuo apply for open accounts。And then，And use with LaoGuo to opening bank accounts of opportunities，Will LaoGuo passbook switch。

　　老郭并不知道这是个陷阱，为了证实自己的经济实力，便到这家银行五七路支行，将6万元现金存入冒名的存折里。

LaoGuo doesn't know that this is a trap，In order to prove their economic strength，Went to the bank 57 road branch，Will 60000 dollars in cash deposit thisthe bankbook。

　　当晚，老郭便将此事告知儿子郭振峰。儿子深感蹊跷：依照常理，卖主最担心买主不能如约付钱，哪有买主让卖主证明经济实力的道理？他越想越感到那个“程老师”一定有问题，马上报警。警方到银行调查，发现存折里的6万元存款早就被从柜员机上取走了。

That night，LaoGuo took it to GuoZhenFeng son。Son was a catch in it：In accordance with the sense，The vendor is most worried about buyers can't keep the pay，Which have buyers let the seller of the economic strength is proved？The more he thought, the more you feel that“Miss cheng”There must be，Immediately alarm。The police investigation to the bank，Found in the book 60000 yuan deposit has been taking from the ATM。

　　老郭觉得自己办了一件傻事，不停地自责，想告银行，可又不知银行有何过错，日子就在纠结中过去了八九个月。

LaoGuo feel do a foolish thing，Kept era，Want to accuse the bank，But he didn't know what is the fault of the bank，Life in the strands over the past eight or nine months。

　　

老郭的儿子不干了，自学法律打官司 LaoGuo son quit，Studied law case in court

　　现年29岁的郭振峰是一位中学老师，看到父亲如此痛苦很心疼，决定依法为父亲讨个公道。

GuoZhenFeng, 29, is a high school teacher，To see his father so pain very distressed，Decided to get a reasonable for father according to law。

　　据他调查，那个“程老师”并非河北师大的老师，军官证也是假的。因此人一直逍遥法外，无法追缴被骗巨款，只能追究银行的过失。

According to his investigation，the“Miss cheng”Hebei normal university is not the teacher，Come also false。So people have been at large，Can't be cheat money demand，Can only be investigated for the fault of the bank。

　　可银行究竟有何过错呢？他想请律师，一问代理费，4000元！这还不包括以后一次次打官司的费用等，而且律师事前就言明不保证结果。有的律师不了解相关法律条款，甚至还要翻书，让他大失所望，下决心自己当律师。

But the bank? What is the fault？He wanted to ask a lawyer，Fee ask，$4000！This does not include the cost of again after a lawsuit，And a lawyer is tell in advance does not guarantee results。Some lawyers don't understand relevant legal provisions，Even to turn over a book，Let him greatly disappointed，Determined to himself as a lawyer。

　　为了寻找相关法律依据，证明银行有过错，郭振峰去过律师事务所，还到信访办的免费咨询处进行法律咨询。同时，他还详细研读了中国人民银行颁布的所有法律条款，并到工行、农行和交通银行等地咨询存取款事项，并利用网络资源，寻找答案。终于在一次网络搜索中，发现有这样的法律规定：“商业银行、农村合作银行、城市信用合作社、农村信用合作社等金融机构，为自然人客户办理人民币单笔5万元以上或者外币等值1万美元以上现金存取业务的，应当核对客户的有效身份证件或者其他身份证明文件……”这让他醍醐灌顶般看到了光明。

In order to look for related legal basis，The bank has proved fault，GuoZhenFeng been to law firm，Also to the letter is visited do free legal advice advisory council。At the same time，He also detailed the study of people's bank of China issued all legal terms，And icbc to、The agriculture bank and bank of communications, consulting different matters，And use of network resources，Looking for answers。Finally in a web search，Found to have such laws：“Commercial Banks、Rural cooperative Banks、Urban credit cooperatives、Rural credit cooperatives, and other financial institutions，For natural customer for RMB 50000 yuan of above single pen or foreign currency equivalent above $10000 cash access business，Check the customer shall be valid identity certificate or other identification documents……”It makes him TiHu like (see the light。

　　“当时，我父亲到银行存款6万元，工作人员理应依照法律规定，核实我父亲身份，可他们并没有这样做，结果导致父亲上当受骗。”郭振峰说。

“At that time，My father to the bank deposit 60000 yuan，Workers should, in accordance with the law，Verify the identity of my father，But they didn't do that，Results in father be deceived。”GuoZhenFeng said。

　　2009年3月，他作为父亲的诉讼代理人，把某银行五七路支行告上法庭。

March 2009，He as father's agent AD litem，A bank 57 road branch to court。

　　

官司打了整三年 Play the whole case three years

　　

银行终于赔了钱 Bank finally lose money

　　石市新华区法院受理此案。

Stone city XinHuaOu court accepts the case。

　　郭振峰不会写答辩状、起诉书和委托书，就从网络上了解了格式、目录以及证据陈述知识等。他每天白天搜集证据，晚上写材料，常常写到凌晨2时多。

GuoZhenFeng won't write to rejoin shape、The indictment and the power of attorney，From the network will understand the format、And the evidence statements such as knowledge directory。Every day he is collecting evidence during the day，Night write material，Often wrote when 2 in the morning。

　　第一次开庭的时候，法官让郭振峰陈述自己的理由，他当时就傻眼了，很紧张，不知道要陈述什么。法官很耐心，提醒他可以照着起诉书上念。

The first hearing，The judge let GuoZhenFeng statements of their reason，He was dumbfounded，Very nervous，Do not know to want to statement??????。The judge was patient，Remind him according to the prosecution can read。

　　他说：“第一次庭审，我不占上风。因为不知道庭审是什么样的，之前也没有见过庭审，但是一审判决银行赔偿，让我信心大增，在之后的庭审过程中逐渐占据主动。”

He said：“The first trial，I don't get the upper hand。Because don't know is what kind of trial，Also has not seen before trial，But the verdict bank compensation，Let me confidence，In the process of trial after occupies the initiative。”

　　从2009年3月以来，两级法院4次开庭审理此案。2011年8月，石市中级人民法院终审判决，认为某银行五七路支行，在办理老郭6万元存款业务过程中，未严格审查老郭的身份证件，没及时发现和提醒老郭身份证与存折开户身份证件不一致的事实，为老郭错将6万元存款存入被调包的存折提供了条件，对损害后果的发生应负一定责任。因此，一审判决五七路支行赔偿老郭损失的40%较妥，应予维持。

From 2009 years since march，Two levels of court hearing in the case of 4 times。August 2011，Stone city intermediate people's court a final decision，Think a bank 57 road branch，In LaoGuo for 60000 yuan deposit business process，Not LaoGuo strict censorship of identification，Hadn't found and remind LaoGuo id and open an account passbook identity documents with the facts，For LaoGuo wrong will be 60000 yuan deposit deposit switch passbook provides conditions，To the occurrence of injury consequence should be responsible for。so，Verdict 57 road branch of the loss of the LaoGuo compensation is 40% agreed，Shall maintain。

　　今年3月，郭振峰申请法院强制执行，使银行应赔偿他们的25000元现金，执行到位。

In march this year，GuoZhenFeng applied to the court for compulsory execution，The bank shall make compensation for their $25000 cash，Execution in place。

　　

小郭憋了很久找到晚报 Kuo suppressed for a long time to find the evening paper

　　

想告诉大家的是别放弃 Want to tell everybody is don't give up

　　7月25日，郭振峰在接受记者采访时说，存折被调包，银行固然有过错，父亲也有责任。因此，他希望广大读者吸取教训，谨防上当。

July 25,，GuoZhenFeng, told reporters，Passbook switch was，The bank is at fault，Father also have a responsibility。so，He hope readers learn lessons，Beware of a fall for it。

　　“我们大多数人不懂银行的业务，很相信银行。我想通过燕赵晚报呼吁所有的银行，在工作中一定要严格执行规定，让老百姓能够存安心钱，取放心钱！”郭振峰说，这些话他憋了很久，今天终于说出来了。

“Most of us don't understand bank's business，Very believe the bank。I want to pass all the bank called on colorful yan-zhao evening news，In the work must be strict implementation of regulations，So that people can save money at ease，Take rest assured money！”GuoZhenFeng said，These words he suppressed for a long time，Finally today said it。

　　他感慨道， 在这起案件审理中，他学到了丰富的法律知识。法官没有为难他这个“门外汉”，判决结果也很公正，很客观。希望大家能够正确行使自己的权利，这是对自己，也是对他人负责任的表现。

He regrets way， In the case of the trial，He learned the rich legal knowledge。The judge did not embarrass him the“layman”，The verdict is justice，Very objective。Hope everyone can correct exercise their rights，This is the，Is responsible for the performance of the others。

　　他感到案件审理其实并不困难，只要肯钻研法律知识就行。开始的时候，他曾对法官信心不足，法院也是在探索中审理案件，不过最终的效果很令人满意。现在不管是对法官还是法院，他都充满了信心。

He felt case is actually not difficult，As long as willing to study law knowledge will do。At the start of the，He had told the judge lack of confidence，The court is also in the exploration hear the case，But the final effect is very satisfactory。Now both for the judge or the courts，He is full of confidence。

　　为便于交流，他把自己的QQ号363894710公布于众，欢迎读者跟他就法律问题进行讨论。

To facilitate communication，He put his own QQ number 363894710 public，Welcome readers with he legal issues。

　　

储户告赢银行，不多见 Savers win against the bank，Not saw

　　石市中级人民法院民一庭法官陈爱民、张素华表示，民事案件当事人，诉讼地位是平等的，不分优劣和高低，也不管你是什么职业、社会出身、受教育的程度和财产状况，在诉讼中都享有平等的诉讼权利。法院在查清事实的基础上，正确适用法律。

Stone city intermediate people's court a court judge people ChenAiMin、Van haeften tw said，The civil case，Legal status are equal，Regardless of quality and high and low，Whether you are what class、Social origin、Education by the degree to which and the property status，In the course of an action will have equal litigation rights。The court found in based on the facts，Apply the law correctly。

　　陈爱民说，在他的印象中，储户状告银行的案子不多见，不请律师告倒银行的案子就更少。

ChenAiMin said，In the impression of him，Savers sued the bank's case is rare，Don't ask a lawyer GaoDao bank's case is less。

　　河北律师王惠民律师认为，民事诉讼不一定要请律师，可以找懂法律、知道诉讼程序的亲朋做代理人。如果自己懂法律，自己也可以诉讼。但诉讼代理专业知识很强，最好请律师代理，倘若家庭贫困，可申请法律援助。

Hebei lawyer WangHuiMin lawyer thought，Civil lawsuit doesn't have to ask a lawyer，Can seek to understand the law、Know the procedure of relatives and do agent。If you understand the law，Oneself also can litigation。But litigation surrogate professional knowledge is very strong，Had better ask a lawyer agent，If family poor，Can apply for legal aid。

　　文图 本报首席记者 李梓 实习生 侯毅

Wen tu our chief reporter LiZi interns HouYi