The money stored in the bank, who has the final say?
Recently, Bohai Bank Nanjing Branch was accused of depositing RMB2.8 billion under the names of Wuxi Jiyu Shanhe Pharmaceutical Co., Ltd. (hereinafter referred to as "Shanhe Pharmaceutical") and its affiliate Nanjing Hang Seng Pharmaceutical Co., Ltd. (hereinafter referred to as "Hang Seng Pharmaceutical") under the "unknowing" of the depositor to provide a pledge guarantee for Huaye Petrochemical Nanjing Co., Ltd. (hereinafter referred to as "Huaye Petrochemical").
Depositors Shanhe Pharmaceutical and Hang Seng Pharmaceutical became "victims" without knowing it, and inconclusive negotiations with the Nanjing branch of Bohai Bank, they chose to report to the Wuxi police, which is to move the plot of the recent hit drama "Breakout" to reality.
After the incident was exposed, it was not like the plot of "Breakout", Wang Pingan thought of asking for money to repay the 500 million holes; instead, the Nanjing branch of Bohai Bank hoped that Shanhe Pharmaceutical and Hang Seng Pharmaceutical could continue to take out the remaining 500 million yuan and continue to provide guarantee pledges for Huaye Petrochemical loans. The reason given by the bank is that if Huaye Petrochemical is overdue, the bank will take out this 2.8 billion certificate of deposit for the first time to pay on behalf of the bank, if the police call the police, the police will freeze the funds, and the 2.8 billion will not be able to get it. Simply outrageous.
What is a deposit pledge?
Deposit pledge, also known as certificate of deposit pledge, refers to a credit business in which the borrower pledges the unexpired personal local and foreign currency fixed-term savings certificate of deposit issued by the bank and other banks, obtains a certain amount of loan from the bank, and returns the principal and interest of the loan on schedule. Generally speaking, the procedure for handling deposit pledge can be roughly divided into the following 5 parts:
1. The borrower holds the relevant loan information and goes to the deposit bank to submit a written application for the certificate of deposit pledge loan;
2. The bank shall review the authenticity of the information, and conduct a pre-loan investigation on the borrower after review;
3. After the investigation is completed, the loan is examined and approved, and the loan amount, loan term, loan interest rate, etc. are determined;
4. The borrower signs a loan contract with the bank;
5. Bank lending.
Under normal circumstances, banks need to stamp and sign the depositor to pledge deposits. The relevant processes involving large amounts of certificate of deposit pledge business are more cumbersome. According to the relevant regulations, its process needs to be reviewed by multiple departments of the bank, and it is necessary to carry out strict and conscientious verification with the depositor, in addition to strict verification of printing, it is also necessary to face-to-face signature, and in the process, audio and video recordings are also required. If the enterprise is involved, it is also necessary for the enterprise to issue other documents, such as the resolution of the shareholders' meeting. In short, the whole procedure is very rigorous. Such an event of completing the pledge without the consent of the depositor is basically impossible. So whoever makes the money, whoever decides!