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One day in 2020, Wei Guang (pseudonym, the same below), a relationship manager at a bank in Guangzhou, was sitting at home watching a football game;
With a glass of beer in his hand, he was in a very relaxed mood, because a large stone in his heart finally fell to the ground temporarily, and at this moment he heard a knock on the door.
When I opened the door, I saw two policemen standing at the door.
Wei Guangdong window incident
Wei Guang asked in shock, "Is there anything wrong with me?" The policeman smiled at him.
Then he got straight to the point: "Do you know Li Juan (pseudonym)?"
"I don't know", Wei Guang blurted out. The policeman asked again: "Are you sure?"
Wei Guang: "I really don't know".
The policeman said, "So what are we doing with you?"
Wei Guang: "I don't know." Policeman: "Maybe you've seen too many people and can't remember exactly, so let's go with us, maybe you won't recognize Li Juan when you see her."
Wei Guang knew that it would not work if he didn't go.
The police will not come to the door easily, since they come to the door, there must be something, so they followed the police to the police station, and the police also notified this person named Li Juan.
After meeting Wei Guang, Li Juan said that I didn't know this person, the two of us had never met, Wei Guang said: "Look, I'll just say I don't know her, you still don't believe it."
The police asked Li Juan to avoid it first, and then asked Wei Guang: "Okay, let's not talk about this issue for now, have you ever been to Hubei?"
Wei Guang: "I haven't been to Hubei." "Do you have any friends in Hubei?"
"No, I don't have a single yuan business dealings with Hubei", at this moment the police slapped the table: "What's the matter with 10 million?"
In fact, when he saw Li Juan and mentioned Hubei, Wei Guang was a little panicked, and when the police said 10 million, he knew that he couldn't hide it, so he had to tell the truth of the matter.
So what exactly did Wei Guang do, and how did the police find him?
In fact, Wei Guang's address can be quickly found by the information provided by Xiao Wang, a salesman of this bank in Guangzhou.
One day in April 2020, Wei Guang, the business manager, approached Xiao Wang, a teller, and asked Xiao Wang to transfer a sum of money to a trust company.
Usually there are a lot of this kind of business, so Xiao Wang took the trust agreement, and he was shocked when he saw the agreement, because the amount was too large, it was as high as 10 million, and it took dozens of times to transfer, why is this happening?
Xiao Wang secretly crossed Chen Cang
Because according to the relevant regulations, a large-amount one-time transfer must be handled by the ID card in person, and if you entrust someone else, you can only handle the transfer in parts.
The customer, who had a deposit of 10 million, was not on the spot, so he could only transfer the money to the trust company dozens of times.
There is the customer's signature on the trust agreement, and there is the official seal of the trust company, after comparison, the signature on the trust agreement is similar to the customer's other signatures in the bank, and the official seal must be true, and it is the task personally assigned by the account manager, so Xiao Wang transferred the 10 million to a trust company in Hubei 81 times.
Xiao Wang thought that this was a very ordinary business, but he didn't expect that 4 months later, the police came to the door and asked him to tell him the details of the 10 million trust transfer.
He mentioned Wei Guang and provided Wei Guang's address, so the police found Wei Guang.
When the police were looking for Xiao Wang, Xiao Wang also knew that the original customer named Li Juan didn't know that her 10 million was transferred to the trust company and was now collecting debts.
If the customer takes the initiative to request to invest the funds in the trust company, there are two ways, one is to handle it at the bank on the spot, but there is an entrustment agreement at this time, but Li Juan does not have any trust agreement in her hand.
Another way is to transfer the bank's deposit to the trust company after a period of deposit, at this time Li Juan's mobile phone will receive a text message reminder about the transfer, regardless of whether the depositor is not on the spot, will receive a text message, but Li Juan has not heard any transfer reminder since the deposit for 4 months.
So how did Li Juan find out about the problem?
It turned out that Li Juan negotiated a business when she was on a business trip abroad and needed to pay a deposit in advance, but when she transferred funds from the bank card, she found that there were only 6 cents and 2 cents left in the bank card.
Besides, the 10 million is also her entire net worth, so after discovering the problem, Li Juan hurriedly flew back to China, and then came to the bank where the deposit was made to inquire about what was going on, but I didn't expect the bank manager and counter staff to say that they didn't know.
How is this possible?
Whether it is a large bank or a small bank, whether it is a state-owned bank or a private bank, whether it is Alipay or WeChat transfer, deposit and withdrawal, not to mention 10 million, even the change of a penny is recorded.
In the era when there were no computers and the Internet, it was manual bookkeeping, and now all the information is entered into the network and can be printed, and sometimes there are manual vouchers, how can the bank say that it does not know?
Besides, 10 million is a huge amount of money, if the transfer occurs, it must be signed and confirmed by the account manager, bank president and other management cadres, how many such businesses can there be in a year?
Not to mention that it has only been four months, how can you say that you are not impressed? The bank always pushes back, and Li Juan can only call the police.
Li Juan took the case
When the police came to the bank, the president of the bank immediately panicked, saying that the information could be checked, and the staff who handled the relevant business at that time was Xiao Wang, and the police found Xiao Wang, so they dug out Wei Guang.
When Li Juan saw the trust agreement that Wei Guang provided to Xiao Wang, she found that the signature on it was not her signature at all.
So what is going on? It turned out that when Li Juan was handling the deposit business of 10 million yuan in the bank, Wei Guang was also in the bank, and Wei Guang knew that Li Juan had saved more than 10 million yuan, and at this time he happened to be short of money, and there was a big hole that could not be filled, so he decided to attack Li Juan.
He contacted a trust company in Hubei and forged the trust agreement, as did Li Juan's signature. Then Wei Guang arranged for Xiao Wang to transfer the money away. So the question is, although the trust agreement is invalid, but the transfer is a real business, Li Juan's mobile phone should have received a transfer notification, why didn't she receive a message?
It turned out that the technician was bribed by the trust company and Wei Guang, intercepted the SMS notification sent to Li Juan, and got the verification code.
After the matter came to light, the relevant person in charge of the trust company was also arrested, although all the criminals were arrested, but the money was not returned, why?
It turned out that although the trust company was a legally registered enterprise, none of its business was compliant.
After the trust company got 10 million, Wei Guang proposed to fill most of his holes, the stone in his heart fell to the ground, the trust company's commission was washed away, and there was not a penny in the account at all.
10 million is not a small amount, Li Juan believes that the bank should be held responsible, and asks the bank to compensate, but the bank refuses to compensate, and Li Juan loses the lawsuit in the first instance.
The bank did not believe that it had the ability to distinguish between the authenticity of the handwriting and did not know that Li Juan had not received the bank transfer notice.
However, Li Juan's lawyer believes that it is extremely unusual for the 10 million deposit to be transferred in 81 consecutive times, and the bank should contact the customer Li Juan to confirm that it is correct, but the bank did not carefully review it, so it must bear part of the responsibility.
After the retrial, the bank was ordered to compensate Li Juan 4.5 million yuan in principal and 4 months of deposit interest.
Enlightenment
Deposit 10 million in the bank, whether it is a survival, a fixed term or a large certificate of deposit, the interest is very high;
However, when many people handle large-amount deposit business in the bank, there are often staff members who sell some wealth management business to them, saying that the income of wealth management is higher than the interest on deposits, such as turning into trust funds, buying stocks, buying funds, buying futures, and so on.
It seems that the income of wealth management is higher than the interest of deposits, but in fact, the income and risk coexist, and once the market is bad, you may lose all your money.
In this case, Li Juan was transferred to the trust agreement by a black box operation, in fact, someone sold it to you in person, and don't make financial decisions easily, the larger the deposit amount, the more you must strengthen your confidence.
What do you have to say about this? Feel free to leave your thoughts in the comment section!
Note: The original debut, plagiarism must be investigated to the end!