近日，一则‘男子去世后账户被保姆转走50万元’的新闻引发社会广泛关注。据报道，该男子生前长期由一名保姆照料生活起居，双方关系较为密切。在其去世后，家属发现其银行账户中的50万元存款被该保姆通过转账方式转移至个人名下。家属随即报警，警方介入调查后初步认定，保姆在未获得合法授权的情况下擅自操作死者账户，涉嫌侵占或盗窃他人财物。法律专家指出，即便死者生前与保姆关系亲密，若无明确遗嘱、赠与协议或合法委托手续，保姆无权处置其财产。根据《中华人民共和国民法典》相关规定，死者的合法财产应由其法定继承人依法继承。任何未经许可擅自转移、占有他人财产的行为，均可能构成民事侵权甚至刑事犯罪。此事件也提醒公众，尤其是独居老人或高龄群体，在处理个人财产和委托照护时，应通过正规法律程序明确授权，避免因信任关系而忽视法律风险。同时，金融机构在处理涉及已故客户账户的操作时，也应加强身份核实与合规审查，防止类似事件再次发生。
Recently, a news story about ‘a man’s bank account being drained of 500,000 yuan by his caregiver after his death’ has drawn widespread public attention. According to reports, the deceased had been cared for over a long period by a domestic helper with whom he shared a close relationship. After his passing, his family discovered that 500,000 yuan had been transferred from his bank account to the caregiver’s personal account. The family immediately reported the incident to the police, who launched an investigation and preliminarily determined that the caregiver had operated the deceased’s account without legal authorization, potentially constituting embezzlement or theft.Legal experts emphasize that even if the deceased had a close relationship with the caregiver, without a valid will, gift agreement, or formal power of attorney, the caregiver has no legal right to dispose of the deceased’s assets. Under China’s Civil Code, the lawful property of a deceased person must be inherited by statutory heirs. Unauthorized appropriation or transfer of another person’s property may constitute civil infringement or even a criminal offense.This case serves as a reminder—especially for elderly or solitary individuals—to formalize any property arrangements or caregiving authorizations through proper legal channels to avoid risks arising from misplaced trust. Financial institutions are also urged to strengthen identity verification and compliance checks when handling accounts of deceased clients to prevent similar incidents.
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