银行卡不离身，卡内8万多元却不翼而飞。汉口的杨女士仔细盘问发现，“作案者”竟然是刚满16岁的女儿小希(化名)。原来，小希在帮妈妈网购时，将银行卡绑定网上支付功能，记住账号和密码，在8个月内分批将钱转走花掉。更令杨女士惊讶的是，其中2.5万元被女儿用于美容保养。

Bank card not depart from the body,Kanye 80000 multivariate flies away from him.Hankou Yang lady close questioning found,"ZuoAnZhe"It was just over 16 years old daughter little bush(alias).The original,Little bush in to help my mother when the net,The bank card binding online payment function,Remember the account and password,In 8 months batch will transfer money go spend.More to ms. Xiuzhu surprise,Of which 25000 yuan was daughter used in hairdressing to maintain.

八万多元消失，原是女儿转走 Eighty thousand multivariate disappear,The original is daughter turned away

　　“银行卡一直没有离身，我也没有取过钱，里面的钱怎么不见了？”本月12日上午，杨女士到银行办理业务时发现，卡中原本有8万多元，如今只剩下1000多元。

"Bank card has not depart from you,I will not take away the money,What happened to the money inside?"On October 12, morning,Ms. Xiuzhu to a bank to deal with business found,The card had 80000 multivariate,Now only 1000 yuan.

　　经查询账号明细单，原来，从今年3月起，有人通过直付通业务，分53次将钱转走。她怀疑遭人恶意窃取存款，准备报警。

The inquires the account specification,The original,From this year 3 month,Someone through the straight FuTong business,Points 53 times will transfer money away.She suspected was malicious steal deposit,Ready to alarm.

　　“除了你自己，还有谁知道账号和密码？”银行工作人员的一句话，提醒了杨女士。她回想起，今年初，她在网上购买一件羽绒服，因不会操作网银和支付宝，便叫女儿小希帮忙，“银行账号和密码都告诉了她，还开通了直付通业务。”

"In addition to your own,Who know the account and password?"Bank staff a word,Remind the young lady.She recalled,Earlier this year,She purchased online a down jacket,Because I can't operate net and pay treasure,They called her daughter small and help,"Bank account and password are told her,Also opened straight FuTong business."

　　杨女士和丈夫赶到小希的学校，追问之下，小希承认，她记住妈妈的账号和密码后，通过直付通业务，将钱转到了自己的银行卡上。

Ms. Xiuzhu and her husband arrived at the small and school,Cross-examine under,Little bush admitted that,She remember mom account number and password,Through the direct FuTong business,Will transfer money to the bank card.

　　明细单显示，3月份只有5笔转账，且都不超过100元；自4月起，转账的间隔时间缩短至三四天，每笔都是2000元。小希也承认，她一开始不敢花太多钱，后来见妈妈没有察觉，胆子越来越大。

Specification display,March only 5 pen transfer,And are not more than 100 yuan;Since April,Transfer interval time reduced to 3 or 4-day,Each pen is 2000 yuan.Little bush admitted that,She began to dare not to spend too much money,Then see mom didn't notice,Courage is more and more big.

为祛痘印，花掉2.5万元美容 For acne removing printing,Spend 25000 yuan beauty

　　小希用这些钱干了些什么？杨女士说，女儿手里有钱后，开始大手大脚消费，网购生活用品、请同学吃饭、美容保养……她有一部苹果手机，称是借同学的，现在想来，很可能是她自己购买的。

Small and use the money doing?Ms. Xiuzhu said,Daughter hands after money,Began to extravagant consumption,E-commerce articles for daily use/Please students eat/Hairdressing to maintain……She has a iphone,Say by students,Now that I think about it,Is likely to be her own purchase.

　　最让杨女士吃惊的是，7月至10月，小希在所住小区的一家美容中心花掉了2.5万元。

The most let ms. Xiuzhu surprise,July to October,Small and living district in a beauty center spent 25000 yuan.

　　原来，小希脸上长了些青春痘，今年初，杨女士还带她到医院治疗过，脸上留有痘印。7月12日，该美容中心为小希做了一份皮肤分析表，个人信息栏填写的是“15岁”、“高一，学生”等字样。

The original,Little bush face long some zits,Earlier this year,Ms. Xiuzhu also take her to the hospital treated,Face leave blain to imprint.On July 12,This beauty center for small and do a skin analysis table,Fill out personal information column is"15 years old"/"higher,students"Such words.

　　消费记录表显示，小希办理会员卡后，于7月27日、7月30日、8月15日共充值2.5万元。她消费的服务项目五花八门，包括“导肽”、“肾保”、“肠保”、“SPA”等。至10月4日，会员卡中仅剩250元。

Consumption form display,Little bush after card,On July 27,/July 30,/August 15 RiGong cost 25000 yuan.She consumption of services is multifarious,including"Guide peptide"/"Renal insurance"/"Intestinal insurance"/"SPA", etc.To October 4,,The membership card with only 250 yuan.

　　杨女士说，8个多月来，小希在家中的表现并无异样，学习成绩还略有提高，没想到她私下会做出这些事。

Ms. Xiuzhu said,8 months to,Little bush's performance at home and there is no different,The study's result return to improve slightly,Unexpectedly she private will make these things.

美容师辩称：以为她是富二代 Hairdre er argued that:Think she is rich the second generation

　　“明知小希是未成年人，她花了这么多钱，你们为何还接待她？”杨女士气愤地质问美容中心负责人。

"Knowing little bush is minor,She spent so much money,Why do you receive her?"Ms. Xiuzhu angry geological asked beauty center person in charge.

　　昨日，记者来到该美容中心。美容师小婉(化名)称，小希经常来这里做头发护理，7月中旬，美发师介绍她成为自己的客户。“她说父母工作忙，给的零花钱很多，做美容是想祛除脸上的痘印。她出手大方，跟我的关系很好，请我吃过宵夜，也请女同学做过美容，我还以为她是富二代。”

yesterday,The reporter comes to the beauty center.Hairdre er small wan(alias)says,Little and often come here to do one's hair care,In the middle of July,Hairdresser to introduce her to become their own customers."She said the parents work favour,To many of the pocket money,Do hairdressing is to dispel blain to imprint of the face.She shot and easy,A good relationship with me,Ask me to eat a snack,Please also female classmate did beauty,I thought she is rich the second generation."

　　“小希是高中生，出手却如此阔绰，你没有怀疑过钱的来历吗？”记者问。

"Little bush is a senior high school student,But so rich shots,You have no doubt the money come from?"The reporter asked.

　　小婉说，她确实产生过怀疑，也侧面打听过，但小希每次都说钱是家里给的，她也就不便多问。

Small wan said,She does have a doubt,Also side asked,But the little bush always say money is home to,She could not ask.

　　目前，杨女士已向该美容中心提出全额退款要求。美容中心负责人表示，将向其上级反映，再协商解决。

At present,Ms. Xiuzhu has put forward to the beauty center for a full refund.Beauty center person in charge said,Its superior to reflect,To settle through consultation.

专家建议：密切关注孩子心理 Experts suggest:Pay close attention to the child psychology

　　“小希取走这么多钱，我们有疏忽。但美容中心明知她是未成年人，却任由她消费，肯定也有责任。”杨女士说。

"Small and take away so much money,We have a negligence.But beauty center, knowing that she is minor,But let her consumption,Must have a responsibility."Ms. Xiuzhu said.

　　武汉市工商局江岸分局相关负责人介绍，目前并无法律法规明确禁止美容中心向未成年人开放。但美容中心明知小希是未成年人，且无经济收入，她在进行巨额消费时，美容中心应当有所警觉。杨女士可要求工商部门介入调解，退还部分款项。

Wuhan industrial and commercial bureau silk substation relevant controller introduces,There is no laws and regulations expressly prohibit beauty center open to minors.But beauty center knowing little bush is minor,And no economic income,She in the huge consumption,Beauty center should be alert.Ms. Xiuzhu may require intervention of the ministry of commerce and mediation,Return part payment.

　　湖北首义律师事务所吴正平律师认为，未成年人超出民事行为能力的消费行为，需要监护人的追认才能认定有效。美容中心明知顾客是未成年人，还提供高档服务，主观上有明显恶意。根据《民法通则》和《合同法》的规定，美容中心和未成年人之间的消费合同应被认定为无效。

Hubei first sememes WuZhengPing law firm lawyers think,Minors beyond the capacity for civil conduct consumption behavior,Need to guardian admit posthumously to recognized as valid.Beauty center that customer is minor,Also provide high-grade service,Have obvious subjectively malicious.According to[The general principles of the civil law]and[Contract law]regulations,Beauty center and minors the consumer contract between shall be regarded as invalid.

　　“孩子处于青春期，家长要密切关注，及时发现问题。”湖北大学政法与公共管理学院副教授张继涛说，未成年人自制能力差，消费易冲动，家长应加强管理，培养孩子的理财能力。另外，家庭财务等秘密最好不要让孩子知道。(楚天都市报讯 记者 满达)

"Children in adolescence,Parents should pay close attention to,Timely find out problems."Hubei university of politics and law and public administration college, an associate professor at ZhangJiTao said,Minors self-control ability is poor,Consumption impulsivity,Parents should strengthen management,Develop the child's financial capacity.In addition,Family finance secret had better not let the child know.(Chutian metropolis daily news reporter, full of)