The banks customer manager transferred 690000 depositors to the bank. The network gambled that all the money was lost and the depositors nominal loan was not repaid

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 The banks customer manager transferred 690000 depositors to the bank. The network gambled that all the money was lost and the depositors nominal loan was not repaid


The reason for Dongs desperation is gambling. According to the investigation by the reporter of upstream news (material micro signal: Shanghai News), from March 17, 2019 to October 23, 2019, Dong transferred a total of 693000 yuan from Ms. Jis account seven times, and added it to the online gambling platform lottery 8 to buy lottery tickets.

Dong has fantasized that the gambling platform will return money. On the afternoon of June 3, she took out her mobile phone in front of Wang Yafei, the president of the above-mentioned sub branch, opened the Caiyun 8 interface and said: its up to the bank or me. If you find me, I can get the money back. The platform has a 10-year return plan.

Fu Jian, a lawyer from Henan Yulong law firm, believes that banks, as custodians of depositors deposits, should provide them with security. Based on this, Henan Pingdingshan Coal Branch of China Construction Bank is not shirking the responsibility and should be the first one to bear Ms. Jis loss.

At present, the discipline inspection and supervision department of Henan Pingdingshan Branch of China Construction Bank has intervened in the investigation.

The huge deposits of depositors disappeared and loans were owed

The boulder in her heart made Ms. Ji, 59, lose more than 20 jin.

On June 3, she introduced to the upstream news reporter that at the end of 2019, her son was going to decorate the house. She came to Pingdingshan Coal Branch of China Construction Bank to get money. The teller said that not only did she have no money on her card, but she still owed the loan and would be deducted if she saved it.

Hearing this, Ms. Ji was shocked. The bank card never left her. Before, there was a deposit of nearly 700000 yuan on her card. From January to April 2020, she dared not tell her family about it, and there was no result in going to CCB alone. In May, when her daughter noticed something unusual, Ms. Ji said it. They came to the bank and made a running bill.

According to the flow statement, on June 30, 2018, Ms. Jis account transferred in two loans of 3.2 million yuan and 3 million yuan; on July 1, 2018, transferred in 50000 yuan; on July 2, 2018, transferred out 6.25 million yuan successively to repay the transferred in loans of 3.2 million yuan and 3.05 million yuan; on August 3, 2018, transferred out 50000 yuan to a kangmou account; on August 17, 2018, August 29, 2018 and September 4, 2018, transferred in total 400000 yuan for futures business (Note: 330000 yuan will be recovered later); 100000 yuan will be transferred out to the account of Guangzhou Bangtai Technology Co., Ltd. on March 17, 2019; 100000 yuan will be transferred out to Guangzhou Bangtai Technology Co., Ltd. again on March 19, 2019; 400000 yuan will be transferred out to an account of kangmou on March 29, 2019; 30000 yuan will be transferred out to the account of Hefei Fuqiao building materials Co., Ltd. on May 17, 2019; 20000 yuan will be transferred out on May 18, 2019 To the account of Hefei Fuqiao building materials Co., Ltd.; on July 8, 2019, transfer out 13000 yuan to the account of Hefei Fuqiao building materials Co., Ltd.; on October 23, 2019, transfer out 30000 yuan to the account of Wang Mou.

For the above operation, Ms. Ji said she did not know. Whats more, Ms. Ji collapsed. In addition to the transfer of her savings, she owed CCB money.

On June 3, the upstream news reporter found in the above-mentioned inquiry of CCB that on February 24, 2019, Ms. Ji handled a fast loan of 50000 yuan, with a term of one year, and has not yet paid back any money, which has been overdue for four months; Ms. Ji also has four credit cards, which have been overdrawn for many times and paid in installments.

The upstream news reporter noted that Ms. Jis loan and credit card had the customers telephone number ending with 1689. MS Ji said she did not have a number ending in 1689.

Customer managers call investment online gambling

On June 3, several employees of the above-mentioned sub branch confirmed that the number with the tail number of 1689 was used by Dong Mou, the customer manager of the bank, and handled the group number of China Construction Bank.

Ms. Ji said that she and her husband put their savings into the bank for many years, considering that they are near the above branch. She saves most of her money and withdraws little. Dong has always been her account manager. Before she found the account was abnormal, she trusted Dong very much. The other side often recommended profitable financial products to her.

At about 4 p.m. on June 3, Dong explained each outflow to the upstream journalists. She introduced that the transfer in of 3.2 million yuan and the loan of 3.05 million yuan, and then the transfer out of 6.25 million yuan was for the purpose of completing the task. Ms. Jis account was used to go through the accounts, and Ms. Jis consent was obtained; Ms. Ji From March 17, 2019 to October 23, 2019, a total of 693000 yuan was transferred from Ms. Jis account seven times, which was invested by Ms. Ji on behalf of her and was approved by Ms. Ji.

For Dongs above-mentioned practice, Ms. Ji said she did not know.

The upstream news reporter noticed that the words lottery betting were written on the page and asked Dong, is this a gambling website? Put money into gambling websites? Dong didnt respond or let people view the page, just said it was an investment platform..

After repeated communication, at about 5 p.m., Dong opened the investment platform. Upstream journalists noted that the platform is called Choi Yun 8, which is a online gambling platform.

Until then, Dong told the truth. After learning about Caiyun 8 through netizens, she followed the number given by netizens to buy color. She made a small profit and later lost a lot. Up to now, she has recharged about 1000 yuan a month. This is to keep the account and be included in the 10-year return plan.

The upstream news reporter asked Dong, you said that the investment was approved by Ms. Ji, but did you tell Ms. Ji that your so-called investment is to buy lottery tickets?? Do you know that buying lottery tickets in online gambling platform is gambling? You still think youre not gambling, youre investing?

In response, Dong did not answer positively.

Lawyer: management failure of the involved bank

Industry insiders said that the transfer in and out of 6.25 million yuan is an obvious virtual deposit, virtual loan and virtual increase of deposit scale. In addition, on September 30, 2016, Yinfa (2016) No. 261 document issued by the peoples Bank of China pointed out that it must be implemented from December 1, 2016: banks and Payment institutions should establish a one-to-one correspondence between the contact telephone number and the personal identity card number. But the loan and credit card under Ms. Jis name is not her own phone number, but the actual user of the phone is her customer manager.

Fu Jian, a lawyer from Henan Yulong law firm, believes that after the depositors deposit is in the bank, a legal relationship of savings contract has been formed between the depositor and the bank. As the custodian of depositors deposits, banks should provide depositors with security, including account security, information security, etc. At the same time, banks have legal supervision and security obligations for the safety of deposits. As for the security of depositors, the commercial bank law of China has clear provisions.

According to Article 6 of the commercial bank law, commercial banks shall protect the legitimate rights and interests of depositors from any unit or individual. If it violates the obligation, commercial banks should bear the adverse consequences. Article 73 of the law of the peoples Republic of China on commercial banks stipulates that if a commercial bank, in violation of the provisions of this law, causes property damage to the depositor or other customers, it shall bear the interest of delay in performance and other civil liabilities.

(function(){( window.slotbydup=window .slotbydup||[]).push({id:u6056789,container:ssp_ 6056789, async:true });}) (); on June 3, Wang Yafei, the president of the above-mentioned sub branch, introduced that he was deeply distressed by this matter and would not take sides with Dong and reported the relevant information to the municipal branch. On June 4, the head of Henan Branch of China Construction Bank told the upstream news reporter that he attached great importance to this matter. At present, the Discipline Inspection Department of Pingdingshan Branch of China Construction Bank is investigating this matter. Depending on the investigation, determine whether the Discipline Inspection Department of the provincial branch should intervene. After finding out the situation, we will deal with it according to laws and regulations, and report to the society in time. Shen Du, the upstream news reporter, sent from Pingdingshan, Henan Province [copyright notice] the copyright of this work belongs to the upstream news. He authorizes Shenzhen Tencent computer system Co., Ltd. to enjoy the exclusive right of information network communication. Any third party shall not reprint it without authorization. Source: Shenzhen speed editor in charge: Zhu Xi_ NO7152

On June 3, Wang Yafei, the president of the above-mentioned sub branch, introduced that he was deeply saddened by this matter and would not protect Dong. He had reported the relevant situation to the municipal branch.

On June 4, the head of Henan Branch of China Construction Bank told the upstream news reporter that he attached great importance to this matter. At present, the Discipline Inspection Department of Pingdingshan Branch of China Construction Bank is investigating this matter. Depending on the investigation, determine whether the Discipline Inspection Department of the provincial branch should intervene. After finding out the situation, we will deal with it according to laws and regulations, and report to the society in time.