The Japanese Bankers Association has published a summary of banking guidelines for withdrawing deposits for people with dementia.
As an extremely limited response, even relatives who are not legal agents are allowed to take care of themselves and pay medical expenses.
Regarding deposits for people with dementia, if the intention of the person cannot be confirmed, in principle, only the agent who manages the property under the adult guardianship system can withdraw the deposit, and a flexible response is required as the population ages. The voice was rising.
For this reason, the Japanese Bankers Association has put together a guideline that relatives who are not agents can withdraw deposits only when the procedure is not in time, although the use of the adult guardianship system is the basis.
The bank confirms the symptoms of dementia by checking the medical certificate and hearing with the doctor in charge, and the usage of the withdrawn deposit is limited to cases where it is clearly in the interest of the person such as medical expenses and facility occupancy costs. ..
The Japanese Bankers Association has decided to disseminate the guidelines to member banks and encourage them to respond, and Chairman Kanetsugu Mike said at an online press conference, "We have accumulated examples of responses as a banking community and customers in an aging society. We will strive to improve the industry as a whole toward the operation of our business. "