"7 certificates of deposit are in my hand, the bank seal on it is all there, and when I take the sealed certificate of deposit to withdraw money at the bank window, the teller looks at it and says it is fake."
On January 4, Mr. Ren, the son of Ms. He in Nanning, Guangxi, told the China Business Daily reporter that it was very incredible that the 7 defrauded funds totaling 48.4 million yuan were all taken away in another outlet in about 1 hour after handling large deposits at a branch in Nanning.
"The bank is now all pushed on the female executive involved in the case (Liang Mou), just want to ignore it!" Mr. Ren said he had entrusted zhou Zhaocheng, a well-known lawyer, to defend his rights in accordance with the law.
>>> 3 cents on large certificates of deposit
Bank handles certificate of deposit envelope sealing Bank executive handwritten signature
"Their bank had a large certificate of deposit, and the interest rate given by the bank was quite high, and they promised to give 3 cents at that time." Mr. Ren said that it was Liang Mou, the general manager of the personal finance business department of a branch in Nanning who was introduced by his friend Li, "Li is also a victim, he also did the same large-value certificate of deposit business, and he was defrauded of more than 16 million yuan." ”
Mr. Ren introduced, "At that time, the business of handling large-value certificates of deposit was done at the bank counter, and when I went to Liang's office, the whole procedure was done at the bank, and the certificate of deposit was sealed in the envelope of the bank. ”
Mr. Ren said that the envelope had the personal signature of the female bank executive, "The seal is glued, and there is Liang's handwritten signature on it, not an electronic signature, she is signed on the edge of each envelope." ”
>>> General Manager, not Business Manager
"The position is very large, whoever sees her is liang xingliang liang xing"
"Even if I saw her in the bank office, I had to verify her identity, and the bank also recognized her identity." Mr. Ren said that he had also verified Liang's identity at that time, because the large deposit certificates handled were not a small number, so he was also very cautious, but he did not expect that Liang would try to misbehave.
"Liang is more than 40 years old, the bank also recognizes all her identities, her work card is real, she knows everyone who sees her in the bank, as long as it is the Nanning branch, whether it is the following outlets or headquarters, they all know her."
Mr. Ren introduced that Liang mou has several titles, "She has a very large position, whoever sees her is Liang Xingliang xing, she is the general manager of the personal financial business department of the Nanning branch, she is the general manager, not the general business manager, she is still the assistant to the president." ”
>>> window to withdraw money and find fake certificates of deposit
"The day before she was caught, I went to her bank office to talk about certificates of deposit."
"After Liang was arrested on May 22, 2019, we were confused, and I also learned that she was arrested through Li, and Li said that he could not contact her."
Mr. Ren recalled that the day before Liang was arrested, "We also went to her office at the bank, still talking about the issue of certificates of deposit, because I was also involved in the arrangement of funds, I wanted to determine with her when I could take it and prepare to use the money, but at that time, I didn't see anything unusual, we went through all the formalities, exchanges or good, it was in her office." ”
"When some of our victims knew that she had been arrested, they took the sealed deposit slip and first withdrew the money at the bank window, and the teller looked at it and said it was fake."
Mr. Ren said: "7 certificates of deposit are in my hand, the seal of the bank on it, and the signature of the bank executive Liang Mou, but I can't withdraw the money." ”
>>> someone cooperates to steal it
Seven large-value certificates of deposit were transferred away by strangers on the same day
Mr. Ren checked the bank transfer records and found that from October 2018 to March 2019, 7 large certificates of deposit were transferred on the same day of processing, "each of our deposits was on the same day, and almost an hour or so was cancelled." ”
Mr. Ren gave an example, "At 10:14 a.m. on January 14, 2019, the largest large-value certificate of deposit I handled was 10 million yuan, and after it was completed, it was transferred at 11:02, and it was cancelled in 47 minutes, which is equivalent to being transferred away on the same day." ”
The Huashang Daily reporter saw that the online banking access records provided by Mr. Ren showed that 7 deposits were all large-amount certificates of deposit business, the highest one was 10 million, the lowest one was 2.1 million, and the slowest 1 and a half hours was transferred away by a person named Shi.
Mr. Ren said: "I checked, when I handled the account cancellation, we did not know at all, she is not a bank person, she can actually cancel the account for us, then there must be someone to cooperate with Liang to do this thing, otherwise how can she do this thing?" ”
Mr. Ren believes that if no one gives Liang an authorization, no one can help her do it. "We follow the bank's operating procedures, such as I take someone else's large deposit certificate, I take someone else's ID card, I can't do this business when I go to the bank counter, which is equivalent to her doing a business that can't happen at all, which is incredible."
Mr. Ren believes that there are loopholes in the bank supervision review, "According to my understanding, Liang Mou can certainly not do this kind of thing, there must be a teller, the branch duty manager, the deposit and withdrawal need to press the fingerprint, the bank has a set of audit procedures, then the bank These staff are not alert, and do not know that doing so is risky, but also illegal and illegal? ”
On January 14, 2019, the largest 10 million certificate of deposit deposit deposited by Mr. Ren was transferred at 11:02
>>> debit cards are kept in safe custody
Why did the depositor not notify the depositor himself that the large deposit was artificially cancelled
Mr. Ren said that he had already sought out the president of the Nanning branch two or three times, "The president said that no matter who comes, the depositor can withdraw money no matter who comes, he can take the 'three elements', that is, the ID card, the certificate of deposit and the password, as long as there are these three things." How Liang Mou swept away the money, the president did not explain, nor did he say where the money went, it was the reply of such a sentence, no matter what level of leadership of the bank was found, the reply was like this. ”
What makes Mr. Ren even more angry is that "my debit card is properly kept on the body, the password is only in my personal possession, even if I take my ID card and password, I can't get this money, and my money has been artificially cancelled, this kind of large deposit certificate cancellation account did not notify us personally, there is no reminder of mobile phone text message." ”
Mr. Ren said: "The bank replied that there is no need to prompt our depositors for this business, that is, there is no obligation to notify the depositors to withdraw money, and whether to prompt or not is the bank's decision." ”
Mr. Ren said: "The bank now wants to push the responsibility to Liang, the bank does not care, said to find Liang, how can the bank ignore it?" Liang Mou is an executive of the bank, she swept away this money during her work in the bank, how can this matter not be related to the bank? How does that make sense! ”
>>> plunged into a huge economic crisis
In order to repay the equity of the house and car paving company had to be mortgaged
"I personally only account for half of the 48.4 million yuan, and the remaining half is the money of relatives and friends." Mr. Ren admitted that this moment plunged the mother and son into a huge economic crisis.
"I have been making this large certificate of deposit since the beginning, and I have been doing it with my mother in the back, my mother has been sick because of this matter, and she has to report to the hospital for a long time, and now I am fully responsible for this matter, I don't want to bother her."
Mr. Ren said: "I am in business, the funds are all bet here, the house I live in now is gone, I told several victims, the house is mortgaged to others, I have to find a way to get the money of these relatives and friends, some of the funds are difficult I have to pay back, the family also chases me Ah, I can only put my house, car, paving, and the company's equity, I can mortgage all the assets I can mortgage, I want to get money." ”
>>> court tried four crimes in the first instance and punished them together
The 43-year-old female bank executive involved in the case was fined 3.2 million
Mr. Ren told the China Business Daily reporter that on November 19, 2021, after the Nanning Intermediate Court made a first-instance judgment against Liang X, Shi X and four other people, 43-year-old Liang filed an appeal.
According to the judgment of the Nanning Intermediate People's Court, the court sentenced Liang to life imprisonment with a fine of 2 million yuan for theft; 11 years imprisonment with a fine of 500,000 yuan for fraud; 4 years imprisonment and a fine of 200,000 yuan for forging financial documents; life imprisonment with a fine of 500,000 yuan for the crime of fund-raising fraud, and decided to carry out a life sentence and a fine of 3.2 million yuan.
At the age of 40, Shi was sentenced to 11 years in prison and fined 200,000 yuan for theft; 4 years in prison with a fine of 50,000 yuan for fraud; 2 years in prison and fined 30,000 yuan for forging financial documents, and decided to carry out 15 years' imprisonment and a fine of 280,000 yuan.
>>> verify and get the original ID card
Forge large certificates of deposit to replace real certificates of deposit of bank customers
The court found that at the beginning of 2018, Liang promised high interest to the outside world, absorbed funds from social personnel, and needed to return high principal and interest, etc., resulting in the idea of forging large deposit certificates to replace the real deposit certificates of bank customers and stealing large deposits from customers by means of agent withdrawals. From September 2018 to May 2019, On the grounds that the loan enterprise made deposit contributions, Mr. Liang went to ICBC through Mr. Mo to find customers with idle funds to handle large deposit business, and promised to pay Mo and others a monthly high deposit income of about 4.5% after handling large deposits.
In order to steal the customer's deposit certificate, Liang mou let the financial director of the automobile sales company under his actual control be responsible for forging bank documents such as deposit certificates. Liang proposed that the password of the large certificate of deposit must be set to the password certificate of deposit specified by the enterprise party, which must be sealed with an envelope in the presence of her, the enterprise party and the customer party, and the certificate of deposit must be opened under the witness of the three parties after expiration. After the certificate of deposit is sealed, the customer must give the identity card to him or the representative of the enterprise to verify the identity of the customer. When Liang X went to the bank to handle a large deposit certificate, he asked Shi X to accompany him in the name of the representative of the enterprise party, asking the victim to set up a deposit certificate password on time with the password provided by so-and-so, and when the victim deposited the money into the bank for the sealing of the deposit certificate, Liang X and Shi X used the large deposit certificate forged in advance, and exchanged the real deposit slip when the victim was not ready, and after the forged deposit certificate was sealed, Liang X asked the victim to hand over the original ID card to Shi X on the grounds of verifying the customer's identity, and when X carried the original customer ID card and the victim's real deposit certificate, Go to the bank counter and use the password mastered in advance, and through the customer withdrawal business, take out the money in the victim's deposit certificate and transfer it to the account controlled by Liang and Shi.
>>> certificate of deposit is set up as a transfer package
Sit over tea at the bank and wait for identity verification The money has been taken away
Mr. Ren said that it was only then that he understood that his large deposits were cheated by Liang and Shi.
"Our money was taken away basically in a Nanning branch outlet, equivalent to my deposit business in the A branch, they took my ID card to verify at that time, this business has not been completed, she actually took my ID card, let Shi X go to the B outlet to cancel the deposit certificate, directly transferred the money, Liang mou is using this method to roll away the money, at that time we were still sitting in the bank drinking tea, waiting for her to verify the ID card information, and when she said that the verification was completed, the money had actually been taken away."
>>> depositors' money is deposited in the bank
Why did the self-theft from the bank not be sentenced to embezzlement of the post
"Now the first instance trial has convicted Liang of theft, sentenced her to steal our depositors' money, but our depositors' money is stored in the bank, she can only steal from the bank, she is a prison guard stealing, these money was taken away by a person we don't know, how exactly was it taken, where did the money go, shouldn't the bank give us an explanation?"
Mr. Ren disagreed with the court's decision, arguing that it was difficult for the bank to get rid of it. "She didn't even count the encroachment of her position, how could a person who didn't hold a position in a bank do this, she was using her position to facilitate the crime, she admitted in court that it was a job encroachment, but the court did not convict this crime in the end, as long as it was a job embezzlement, it involved the nest case."
The Huashang Daily reporter noted that in May 2019, Liang was criminally detained on suspicion of embezzlement of his position. Nanning Municipal Procuratorate (2020) No. 9 Indictment Decision accusing Liang X and Shi X of theft, Liang X, Shi X and others committing fraud and forging financial documents, the public prosecution was initiated in January 2020, and in May 2020, Liang X was added to commit fund-raising fraud, and the prosecution was changed in May 2021.
A branch of Nanning Branch failed to identify and verify the abnormal fund payment business, and the relevant responsible person was administratively punished
>>> bank has no irregularities
If money is stolen, the depositor is responsible for retaining a lawyer to appeal to defend his rights
"We couldn't help it, we went to the bank, and the bank said that the money had been stolen by her, and the depositors were left to take responsibility for it." Mr. Ren confirmed that the bank did not give any written reply, "The president I went to look for, now I don't see us, let a chief of staff to comfort us, when it is time to leave, we have to go." ”
Mr. Ren told the local banking and insurance regulatory department, "The written reply is to let us file a formal lawsuit, saying that the bank has not violated the law." ”
"When I first chose the bank, I first believed that they were the largest and most profitable bank in the world, and Liang was a bank executive, and she could do this position without the need for a bank to review her background?"
Mr. Ren said: "Our victim entrusted lawyer Zhou Zhaocheng to appeal to defend his rights. ”
>>> Guangxi Banking and Insurance Regulatory Bureau replied
A penalty of 500,000 yuan was imposed on the failure to verify the payment of abnormal funds
On January 6, a reporter from Huashang Daily contacted a branch in Nanning to consult personal financial deposits and asked about Liang's involvement in the case, but the staff avoided talking: "Don't understand, you ask yourself." ”
It is understood that after the incident on May 22, 2019, liang was dismissed as the general manager of the financial business department. The relevant bank certificate of deposit deposit cancellation business voucher confirmed that the teller was in normal operation when handling the front-end business such as the deposit certificate involved in the case, and did not follow Liang's instructions for illegal operation.
In March 2021, the reply issued by the Guangxi Banking and Insurance Regulatory Bureau showed that after comprehensive verification, in Liang's case, the Nanning branch performed the duties of customer identification, customer identity information and transaction record preservation, and large transaction report in accordance with the regulations in the process of handling the agent's agent withdrawal of the regular deposit certificate, but failed to timely identify the risk of large funds in the agent's account, and failed to verify the abnormal fund payment of the agent's deposit certificate business, resulting in the branch not performing the suspicious transaction reporting obligation to the anti-money laundering administrative department. The Guangxi Banking and Insurance Regulatory Bureau has imposed administrative penalties on the Nanning branch for violations of laws and regulations that failed to verify the abnormal fund payment business in accordance with the law.
With regard to the suspected violations of laws and regulations by the relevant sub-branches under the jurisdiction of the Nanning Branch in the Case of Liang, the Guangxi Banking and Insurance Regulatory Bureau will take corresponding regulatory measures in accordance with the law on the premise of further clarifying the relevant facts.
The Huashang Daily reporter confirmed that a branch of the Nanning branch was not in place to identify and verify the abnormal fund payment business, and in April 2021, the Guangxi Banking and Insurance Regulatory Bureau gave 3 responsible persons an administrative penalty of warning, and the branch was fined 500,000 yuan.
Huashang Daily reporter Li Hua Editor Zhang Hong
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