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Hard to save the money on where the most secure? Many people will choose to bank depositors, however Shenyang Zhao (a pseudonym) Women in Panjin City, Liaoning Province, Xinglong Street Branch of Bank of China (hereinafter referred to as the booming Avenue Branch) into a 10 million yuan deposit but after deposit by others within a month turn away, with only one yuan. And the money away from people who actually booming Avenue Branch of Bank of China Li Jun.
Zhao currently has Panjin City Intermediate People's Court in Panjin Xinglong Street branch of Bank of China, Bank of China requested to pay 1,http://www.cq123.com/bbs/forum.php?mod=viewthread&tid=841132,000 yuan deposit. The Bank of China Panjin City Branch (hereinafter referred to Panjin Branch) has Panjin City Public Security Bureau, Public Security Bureau has been filed, Li has been under criminal detention.
This is 10 million yuan in bank deposits How is turn away? If the money in the bank but also in case they do not know to be transferred out, then the safety of the deposits and depositors and to be guaranteed? China's banking supervision if there are loopholes? May 14, China Youth Daily reporter went to the Bank of China Panjin Branch investigation.
Ten million yuan deposits remaining one yuan
Zhao works in a bank, the banking system had a friend recommend Panjin Xinglong Street Branch to her, saying that as long as the 10 million yuan deposited in the branch a month,http://www.51yam.com/home.php?mod=spacecp&ac=blog&blogid=, you can get 180,000 yuan Zhao high interest, whereas the normal interest only 30,000 yuan.
"If it is lent to private use, that is, 1.8 million yuan of interest to me and I can not borrow, but the money in the bank, I felt very safe, moreover only need to save a month." Zhao said the bank this "embrace Chu "(Lan Chu refers to the bank, savings bank, credit union to set their sales targets,http://www.foss.lk/comment/profile.php?uid=86,Louboutin à Bout Ouvert, asking them to attract deposits) behavior within the system are common. Interest paid by the referee, the money in the bank certainly foolproof.
April 6 this year, Zhao came to the booming Avenue Branch to open an account in their own name,http://dtqnjy.com/forum.php?mod=viewthread&tid=980372, and transfer a total of 10 million yuan into the four strokes of the account. A few days later, Zhao through referrals to get a 180,000 yuan interest.
However, on May 7, Zhao came to Panjin branch of withdrawals, they found remaining in the passbook deposit a dollar, but Zhao never since the bank deposit withdrawals, the show still has a passbook 10,000,001 yuan. So, the money taken away by whom?
Zhao told reporters that the branch president Li Jun admitted that the money was transferred out of his money urgently,Louboutin Escarpins, and promised to turn back within a few days, hoping to give him a few days Zhao.
No password, Motian money order, nor my signature, which 10 million yuan was transferred large amounts of deposits is how to go in the case of Zhao's knowledge?
The deposit is transferred roadmap
"Obviously the money in the bank, clearly written on the book, even Bank can not arbitrarily misappropriate ah." Zhao said the governor Li Jun admitted to him the process of their operation. In fact, 10 million yuan at the bank had been transferred out, is handling the transfer, the money to the Bank of China other people's accounts.
Panjin branch of Bank of China, a business manager, told reporters that the remittance needs of customers, I fill in the remittance voucher (settlement business application), within the fill line remittances. Fill in the applicant's application for a variety of information on the recipient's personal information and account number, telephone and signatures.
In addition, customers also need to show ID card, and a password. At the same time, also we need to include the handling teller Reviewer authorizing three bank staff members to handle. Managers can only authorize teller 50,000 yuan remittances, branch president can authorize 10 million yuan level of remittances. If I did not present the agency by others, remittances more than 600,000 yuan or more, must be notified by telephone himself.
Then, Li governor is how to do send money out at the same time, not let Zhao found?
Zhao told reporters, "Li Jun had himself admitted to her: Zhao was in the bank, when the 4 pen Zhao total 10 million yuan to import their own accounts at the Bank of China, Li Zhao requested at the front desk to verify whether the money account and enter the codes. And in fact, the query code is Jun remittance transfer business needs a password. Jun was already handled the money remittance business, after entering the password, the money was immediately transferred out. "
Zhao said the money needed remittance voucher, and remittance documents and signatures were filled out by someone else. 3 Bank authorized officer is inspired Jun governor himself and his staff the other two banks. Because the level of Jun governor may have authorized the transfer of 10 million yuan.
Through the above path, all the links can achieve the required remittance, the money was transferred out successfully.
Zhao said is true? China Youth Daily reporter Zhao provided in some dark to see the video shoot, this self-styled "Governor Li Jun," the man admitted that 10 million yuan of the transfer order is certainly not Zhao fill, and promised in a few days within the money raised, Zhao returned as soon as possible.
Bank of China branch president missing?
Why did not the police immediately? Zhao said: "I was not any money to lend President Lee personally, but the presence of the Bank of China and now the money is gone, the police should be the bank in other words, if each of the depositors money in the bank, Branch responsible person sick. separation or a car accident, do my money do not you? I was asked to pay to the Bank of China money. "
"Branch manager joint two people can put money turn away, then after a large deposit tens of millions of depositors are not guaranteed would not it?" Zhao said.
Zhao said she then went to the Bank of China, and Li Jun, president of Panjin Branch Branch Discipline found responsible. The official said so themselves Zhao and Li Jun, said he is not in charge of this matter, we should not finish after tomorrow morning to decide how to do next.
"If people run how to do, this is 10 million yuan ah! I was head of the Discipline Inspection Commission requires banks to police immediately, to President Lee to control them, and then do intend to. But the person in charge,http://www.zhuzhou.com/home.php?mod=spacecp&ac=blog&blogid=, but maintains that he is not in charge of the matter, Let me and President Lee a personal consultation. And President Lee vowed promised to chip in a few days back I turned back. "Zhao said.
In desperation, Zhao only to the Panjin City Intermediate People's Court in Panjin Xinglong Street branch of Bank of China, Zhao to the bank the next day was told,http://www.xinwenhuiji.com/home.php?mod=space&uid=13454, this governor has been suspended, the bank is also looking for him.
"My money is borrowed from a friend to help him earn interest, because in the banking system work, 'take a bridge' favor, interest is to savers that time believed that China absolutely right money in the bank, how did not think that this is President Lee set up the 'set' to let the bank employees with high interest 'Lanchu' and then he gave the position to use their own money to turn away .1000 yuan ah, once the hand, ran worth it I still do not go bankrupt, but the ah! "Zhao believes that the bank management loopholes, resulting in the loss of her money.
"Banks have surveillance video,Louboutin Talon Compensé, you can also handwriting ah, the money is certainly not my turn to fill the bill. If the bank thinks I malicious fraud money, can call the police or go to court to sue me." Zhao said, is still displayed on the book deposits 10,000,http://www.sziis.com/home.php?mod=space&uid=17502,001 yuan, the bank has refused to pay. Zhao require banks to pay the money.
Panjin Branch Discipline Committee: Li Jun has not been determined whether the violation
May 14, China Youth Daily reporter went to the Bank of China Panjin branches.
Bank of China Panjin Han Changling branch of the Discipline Committee, told reporters before Jun bank governor has been forced to leave more than 10 million yuan this sum associated with him, as well as several other pen. After Zhao reflect the situation, the Bank of China Panjin branch was looking to arrange several groups of employees separately Jun, but did not find,Louboutin Pas cher, after the discovery of gravity of the matter, was made to Panjin City Public Security Bureau. After police received a report, sealed counter videos and business documents, public security authorities are currently the detection process.
"Is not a bank regulatory loopholes, it is hard to say." Han Changling, said Li Jun, is not a violation, it has not been determined. Banks do not know the specific process Jun misappropriation of funds and the use of funds whereabouts, everything needs to await the outcome of the police for further investigations. Zhao now drawn against the requirements of 10 million yuan into the money, the bank only until after ascertaining the facts of the judiciary, in order to give an account of the depositor. Bank will actively cooperate with public security organs cracked the case. The bank will adhere to the judicial process, clarify the responsibilities of banks and depositors, if it is troubled banks, will bear the responsibility.
Reporter then went to Panjin City Public Security Bureau. A staff member told reporters that the Public Security Bureau, Li has XingJu. Li Jun, a partner in the transcript admitted that he and Li Jun, a total of 30.97 million yuan misappropriated funds, including deposit this sum of 10 million yuan Zhao. They high interest as bait to defraud depositors to the Bank of China branch in Panjin Xinglong Street, deposit, and then ask the customer to open a passbook savings, allowing customers to put money into the opened passbook, and then through the teller inside job, by transfer transactions, The passbook money to other people's Bank of China card. To set aside money to invest in real estate, but also the usury.
A bank sales manager, told reporters that at present, the existence of irregularities Lanchu behavior on the market generally have the following categories: First, the permission to raise interest rates; the second is to take the markings of high interest rates, raising interest rates grades, prizes savings, reduction or retirement of other service fees, gifts in kind or in cash (including delivery card, securities, etc.), provide domestic travel, customers pay the school fees of children,Louboutin Bottines,http://www.tc2s.net/forum.php?mod=viewthread&tid=6105815, relatives and employment arrangements to raise interest rates in disguise; the third is to pay deposit fee Xi Chu intermediary, co storage fees , fees and other improper expenses; four is to use a credit card to buy financial products on behalf of third-party depository business cash back to customers, send gifts or gift cards.
Clearly, tight credit, deposit and lending rate is high, weak growth in deposits has become common problems faced by the banking sector, do everything possible to increase savings has become a priority. The irrational incentives and excessive pressure on deposit appraisal, is the root cause of illegal bank deposits appear.
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發表於 2015-7-8 18:10:27
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