12 million deposits are transferred to the bank by bank staff without permission: receipt is forged

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 12 million deposits are transferred to the bank by bank staff without permission: receipt is forged


Help relatives complete business tasks deposit 7.43 million

In her early years, aunt Ding of Qingxu County, Shanxi Province, started doing business with her husband and gradually had some savings.

At the beginning of 2017, Wang Mou, a credit officer of Qingxu rural commercial bank, found aunt Ding and said that the unit had a financial management task of 4 million yuan and asked her to help. Because Wang is a relatives son-in-law, aunt Ding promised to help him complete the task and transfer 4 million yuan to Wang for financing. In November of the same year, aunt Ding transferred another million yuan to Wang in the same way.

On the morning of March 7, 2019, Wang came to Aunt Ding and said that two financial transactions had been redeemed, with a total of 5.43 million yuan of interest and principal, and asked her to take her ID card and go to the counter of Qingxu agricultural commercial bank with him to withdraw money. Later, Wang said that if he could complete the task of 20 million time deposits, he would become a director, hoping that Aunt Ding would save the 5.43 million time deposits.

Aunt Ding, out of kindness, changed her current of 2 million yuan from the previous 5.43 million yuan (7.43 million yuan in total) to a fixed period to help Wang accomplish the task. That morning, aunt Ding and Wang came to the trading window of the business department of Qingxu agricultural commercial bank.

Mr. Wang, the son of aunt Ding, said that Wang was standing behind the teller when handling business. After the transfer business was completed, the counter issued two bank receipts to my mother, which said that one was RMB 2 million and the other was RMB 5.43 million, which had been deposited in her name..

In addition to bank returns, after finishing his business, Ding aunt also received a reminder of the transaction of official account of Shanxi Nong Xin micro bank. The information content showed that the business handled was deposit account opening, and the transaction type was deposit account opening and transaction amount.

u25b2 on March 7, 2019, aunt Ding received the receipt after she transferred two payments into the counter of Qingxu agricultural commercial bank, and the bank said that the receipt was forged. Picture provided by interviewee

More than 12 million deposits have been transferred to unknown places

After going through the formalities of time deposit, Wang told aunt ding that large deposit customers can receive gifts with their ID card and deposit certificate, and asked aunt Ding to hand over the ID card and deposit certificate to her to collect gifts on her behalf.

A few days later, aunt Ding didnt get the gift, or even the deposit slip. So she asked Wang for the certificate of deposit, which was locked in the unit with the certificate of deposit, the management asked for leave and so on.

Aunt Ding felt something was wrong and told her family about it. The family went to qingxunong commercial bank and found that Wang had transferred the fixed-term deposits of 3 million and 2 million yuan to other accounts in the afternoon of April 3 and 4, 2019.

To Aunt Ding and her familys surprise, after the above three million and two million certificates of deposit were transferred, it was found through self-examination in the bank and investigation by the police that on March 7, 2019, the 5.43 million financial management mentioned by Wang did not go into aunt Dings account at all, and the 2 million current variable term deposits that Aunt Ding handled at the counter at that time were also transferred at the counter.

That is to say, the total deposit business of 7.43 million handled at the counter of Qingxu rural commercial bank has not been deposited in my mothers card. Mr. Wang said.

u25b2 on March 7, 2019, aunt Ding transferred a deposit of 2 million yuan at the counter of Qingxu rural commercial bank and received the wechat public account notice. Picture provided by interviewee

Agricultural and Commercial Bank: two receipts are forged

At the beginning of May 2019, aunt Ding reflected the incident to Qingxu rural commercial bank, asking to recover the money and check the monitoring video at the time of the incident. The relevant head of the bank refused to provide the video because the bank monitoring can only be kept for one month. For the above 7.43 million bank receipts, Qingxu farmers and businessmen said that both receipts were forged.

Aunt Ding was unable to accept the reply from Qingxu rural commercial bank and complained to Shanxi Banking Regulatory Bureau in December 2019.

On February 27, 2020, the banking regulatory bureau of Shanxi Province replied to Aunt Dings complaint. With regard to the above receipt question, the banking regulatory bureau of Shanxi Province replied, upon enquiry, the tellers and authorized personnel of the business operation outlets all said that they did not know that Wang was an employee of Qingxu rural commercial bank, nor did they issue a false receipt.

Mr. Wang told the upstream news reporter: if the Qingxu agricultural business didnt issue a false receipt, where did the receipt come from?? Where was the real business receipt then? Wang has been working in Qingxu County Rural Commercial Bank for more than ten years. Some of the authorized tellers have worked in the same branch and office with Wang. How can there be any colleagues who dont know each other?

Whats more amazing is that the receipt is fake, so is the transaction reminder notified by wechat official account fake? Whoever sends this reminder can write it as a deposit if it is clearly a transfer. Mr. Wang said.

In response to the problem of monitoring video, Shanxi Banking Regulatory Bureau replied to Aunt Ding, according to article 5.3.10 of regulations on risk level and protection level of bank business premises (ga38-2004), the storage period of security system records shall not be less than 30 days. It is understood that the actual storage period of video surveillance video materials of Qingxu rural commercial bank is one month, which can reach the minimum standard.

But aunt Ding and her family said: one month is the requirement for the three-level risk units of township business offices, and now banks are generally three months.

On May 15, in response to the above problems, the upstream journalists repeatedly called Cui Jing, chairman of Qingxu agricultural commercial bank, and Wen Huiyong, vice president. Their phone calls were unanswered or hung up, and then sent messages to the two people. However, as of the time of press release, no reply was received from the two people.

On February 27, 2020, the banking regulatory bureau of Shanxi Province replied to Aunt Dings complaint. Picture provided by interviewee

After investigation, Qingxu police told Mr. Wang that some of the money was dead account due to the previous loan for profit. He could not recover it, so he had to take the method of robbing Dongqiang to pay for Xiqiang, and transfer the depositors deposit into his own or his familys name without permission to make up for the huge hole. Wang Mou with the convenience of bank staff, has cheated aunt Dings more than 12 million yuan, using false receipts, false business in the bank easily to transfer the depositors money.

Mr. Wang doesnt understand: why does Mr. Wang successively handle a huge sum of money of more than 12 million yuan in the bank and deposit it into his own name or his familys name, but the bank seems unaware of it? Ordinary depositors need to make an appointment in advance to withdraw tens of thousands of yuan from the bank, and need to confirm again and again, which can only be made with the authorization of managers.

After the incident, in order to confirm the business process of Qingxu rural commercial bank, Mr. Wang entrusted his friend to take a regular deposit certificate and ID card to Qingxu rural commercial bank to handle the transfer business on behalf of him. During the process, Mr. Wang received the business verification phone number of the authorized personnel of rural commercial bank. That is to say, in the process of authorizing this kind of agency business, rural commercial banks should do their duty of verification, but why can Wang easily transfer my mothers 5 million yuan, while my mother has not received any business verification calls? Mr. Wang said that the above verification process had been impartial and presented to the court as evidence.

On May 14, the upstream journalists came to the business department of Qingxu agricultural commercial bank, Yingxian sub branch and Hudong Street sub branch respectively. The staff of the three branches said that in addition to the original ID card, the original ID card and bank deposit certificate of the account holder should also be carried for the withdrawal business. For whether it is necessary to verify the account holder, they all said to verify.

As Xunong commercial bank in Qing Dynasty did not respond to Aunt Dings appeal, Shanxi Banking Regulatory Commission as a regulatory department did not clearly identify its responsibility. In April 2020, aunt Ding entrusted a lawyer to file a lawsuit against Qingxu rural commercial bank. Shortly after the case was filed, the court informed both parties to hold a court session on May 14.

On May 14, aunt Dings family members and acting lawyers came to Qingxu County Court. Because Qingxu agricultural firm proposed that the trial was not suitable for summary procedure, ordinary procedure should be adopted. Then the court decided to postpone the hearing.

Business Department of Shanxi Qingxu rural commercial bank. Photographer / upstream journalist Shen Du

Lawyer: there is a fault in the inadequate supervision of agricultural commercial banks

Wang, a lawyer from Beijing Dacheng (Taiyuan) law firm, said that according to Article 52 of the commercial bank law of the peoples Republic of China, the staff of commercial banks should abide by the laws, administrative regulations and other business management regulations, and should not take advantage of their position to embezzle, misappropriate or misappropriate the banks or customers funds, or go to relatives for Favoritism in violation of the regulations A friend makes a loan or provides a guarantee.

Therefore, as an employee of Qingxu rural commercial bank, Wang Mou, no matter for the depositor to manage the financial management or the deposit and withdrawal business on behalf of the depositor, has violated the relevant regulations such as the punishment measures for the staffs illegal behavior of Shanxi rural credit cooperatives, which is not good for the banks supervision, and the bank is wrong first. In addition, Wang has embezzled the bank or customer funds, which is in violation of the relevant laws.

(function(){(window.slotbydup=window.slotbydup||[]).push({id:u5811557,container:ssp_5811557,async:true});})(); The upstream journalists noted that on December 3, 2019, the announcement form of administrative penalty information of Taiyuan Central Branch of the peoples Bank of China published on the website of the peoples Bank of China (DYFZ [2019] No. 18) showed that Shanxi Qingxu Rural Commercial Bank Co., Ltd. violated the anti money laundering business management, RMB bank settlement account management and RMB management regulations, and the peoples Bank of China The original central sub branch will be given a warning; the unit will be fined 227 thousand yuan in total; and the relevant responsible personnel will be fined 30 thousand yuan in total. Reporters found that Shanxi Qingxu Rural Commercial Bank Co., Ltd. formerly known as Qingxu County Rural Credit Cooperatives. The first shareholder of Shanxi Qingxu Rural Commercial Bank Co., Ltd. is Liulin Xinyuan coal preparation Co., Ltd., with a shareholding ratio of 28%; the second shareholder is Liulin xingjiagou coal mine Lingfeng coal washing Co., Ltd., with a shareholding ratio of 26.2%; the third shareholder is Liulin Senze coal Aluminum Co., Ltd., with a shareholding ratio of 24%. Related recommendation bank card suddenly more than 60000 yuan, Guangxi man crazy spending, 1 smallpox fell more than 70000! I didnt expect that... Tianjiang had a loan 18 years ago. The bank affected by the credit investigation said it was checking the source of this article: upstream news writer: Shen Du, editor in charge: Shi Jianlei, nbj11331

The upstream journalists noted that on December 3, 2019, the announcement form of administrative penalty information of Taiyuan Central Branch of the peoples Bank of China published on the website of the peoples Bank of China (DYFZ [2019] No. 18) showed that Shanxi Qingxu Rural Commercial Bank Co., Ltd. violated the anti money laundering business management, RMB bank settlement account management and RMB management regulations, and the peoples Bank of China The original central sub branch will be given a warning; the unit will be fined 227 thousand yuan in total; and the relevant responsible personnel will be fined 30 thousand yuan in total.