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Is the teller responsible if the bank's legal person authorization letter is forged?

Legal analysis:

If the authorization letter is forged, it depends on what role the teller plays. If it is caused by the teller's intention or gross negligence, the teller needs to bear responsibility, and vice versa. No need to take responsibility. If the actor has no agency power, exceeds the agency power, or enters into a contract in the name of the principal after the agency power is terminated, and the counterparty has reason to believe that the actor has the agency power, the agency act is valid. Forging a power of attorney is an illegal act and requires criminal liability. If an impersonator uses a counterfeit power of attorney to engage in fraudulent activities, the act of counterfeiting the power of attorney is an illegal and criminal act, and one must bear corresponding responsibilities. If it is used for fraud, criminal liability can be pursued according to the crime of contract fraud, fraud and other crimes. In addition, the purpose of forging a signature must be used to determine the consequences and the legal liability required.

Legal basis:

"People's Republic of China and Civil Code"

Article 919 An entrustment contract is an agreement between the principal and the trustee , a contract whereby an attorney handles the affairs of the principal.

Article 920 The client may specifically entrust the trustee to handle one or several matters, or may generally entrust the trustee to handle all matters.

Article 266 of the "Criminal Law of the People's Republic of China" Whoever defrauds public or private property, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or surveillance, and shall also or solely be fined ; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined; If the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined or confiscation property. If this law provides otherwise, the provisions shall prevail.

Derived questions:

How does a power of attorney have legal effect?

As long as both parties have the civil capacity to sign the power of attorney and their intentions are true, the entrusted matters will not If it violates existing laws and regulations, the power of attorney is legal and valid. If it is a foreign-related civil power of attorney, it must be notarized by a notary public before it can be legally effective. The entrustment of agency in civil legal acts can be in written form or verbally. If the law requires a written form, the written form shall be used. The written power of attorney for an agent shall state the name of the agent, matters of agency, authority and period, and shall be signed or sealed by the principal. If the authorization in the power of attorney is unclear, the principal shall bear civil liability to the third party, and the agent shall be jointly and severally liable.