---
title: "消费者保护：银行因未获得同意而更改政策被追究责任"
description: "一家银行因在涉及 Shri Sanwar Mal Sharma 的案件中未经同意更改政策而被判定承担责任。Shri Sanwar Mal Sharma 向 ICICI Bank 申请了一笔 340 万印度卢比的商业贷款。该贷款于 2007 年 6 月 9 日获批，其中包括用于保护库存免受火灾和盗窃的保险费用。在 2009 年 8 月 4 日发生火灾事件后，关于银行政策变更及其对被保险货物影响的问题"
type: "news"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/251344332.md"
published_at: "2025-08-03T15:45:22.000Z"
---

# 消费者保护：银行因未获得同意而更改政策被追究责任

> 一家银行因在涉及 Shri Sanwar Mal Sharma 的案件中未经同意更改政策而被判定承担责任。Shri Sanwar Mal Sharma 向 ICICI Bank 申请了一笔 340 万印度卢比的商业贷款。该贷款于 2007 年 6 月 9 日获批，其中包括用于保护库存免受火灾和盗窃的保险费用。在 2009 年 8 月 4 日发生火灾事件后，关于银行政策变更及其对被保险货物影响的问题浮出水面

Shri Sanwar Mal Sharma, sole proprietor of Sunil Timbers in Banswara, had approached ICICI Bank for a business loan of ₹34 lakh. As part of the loan process, a policy had to be purchased to insure the stocks and goods against the risk of fire and burglary. A loan of ₹34,85,632 was sanctioned on June 9, 2007, which included the total insurance premium of ₹85,632. The EMIs were calculated on the entire sanctioned amount. The bank also procured a Home Safe Plus Merchant Insurance Policy from ICICI Lombard General Insurance.

On August 4, 2009, a fire broke out, destroying the

### Related Stocks

- [IBN.US - 印度工业信贷投资银行](https://longbridge.com/zh-CN/quote/IBN.US.md)

## Related News & Research

| Title | Description | URL |
|-------|-------------|-----|
| Axis Bank Limited (AXISBANK) Receives a Buy from ICICI Securities | ICICI Securities analyst Vishal Narnolia has maintained a Buy rating on Axis Bank Limited (AXISBANK) with a price target | [Link](https://longbridge.com/zh-CN/news/273884867.md) |
| ICICI Lombard General Insurance Company Gets Tax Demand Of 17.29 Billion Rupees, Penalty Of 1.73 Billion Rupees | ICICI Lombard General Insurance Company Ltd :GETS TAX DEMAND OF 17.29 BILLION RUPEES, PENALTY OF 1.73 BILLION RUPEES | [Link](https://longbridge.com/zh-CN/news/273485178.md) |
| CICC Reaffirms Their Buy Rating on NIO Inc. Class A (9866) | CICC analyst maintained a Buy rating on NIO Inc. Class A yesterday and set a price target of HK$50.00.Valentine's Day Sa | [Link](https://longbridge.com/zh-CN/news/275967598.md) |
| Who needs chocolates? Why more Valentine's Day shoppers are buying vacuums and car tires. | Valentine's Day shoppers are increasingly opting for practical gifts like vacuum cleaners and car tires instead of tradi | [Link](https://longbridge.com/zh-CN/news/275938426.md) |
| P/E Ratio Insights for Automatic Data Processing | Automatic Data Processing Inc. (NASDAQ:ADP) is currently priced at $211.55, reflecting a 0.76% increase, but has seen a  | [Link](https://longbridge.com/zh-CN/news/275943498.md) |

---

> **免责声明**：本文内容仅供参考，不构成任何投资建议。