对个人储蓄存款，商业银行有权拒绝任何单位或者个人查询、冻结、扣划，但法律另有规定的除外。
Commercial Banks have the right to refuse any entity or individual to inquire about, freeze or deduct individual savings accounts, unless it is otherwise prescribed by laws.
非法查询、冻结、扣划个人储蓄存款或者单位存款的；
The bank illegally inquires about, freezes or deducts deposits of individuals or units;
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