Before reading this article, please click "Follow", which is not only convenient for you to discuss and share, but also can bring you a different sense of participation, thank you for your support
In the energetic year of 2013, a kind and wise Aunt Yang walked into a branch of the Agricultural Bank of China in Shaoxing City, Zhejiang Province, and passionately took out a pile of heavy and precious passbooks, ready to dedicate her and her husband's hard-working life savings of 13 million yuan to this rigorous and serious bank in the most secure way - a one-year fixed deposit.
Aunt Yang was deeply surprised by the immediate income, even if the interest rate was as high as 12%, she still spread a trace of doubt in her heart, which was several times higher than the interest rate of ordinary deposits! However, "But ......" Aunt Yang frowned slightly, and the doubts in her heart did not dissipate.
"Dear Aunt Yang, please think about it carefully, what kind of income will be generated after a year with the principal of 13 million plus 12% interest? Close to 2 million income, this is undoubtedly a huge wealth!" The banker enthusiastically introduced to Aunt Yang, "If you still have any doubts about our service, you can wait until the end of the deposit period to withdraw, after all, the interest has been accrued, and there will be no loss." "
Faced with the banker's sincere and eager invitation, Aunt Yang's heart began to waver. Admittedly, the interest rate of 12% seems staggering, but as a large state-owned bank, they probably won't deceive their customers, right? Even if something goes wrong, the bank will always give a reasonable explanation.
Under the enthusiastic persuasion of the banker, Aunt Yang finally made up her mind and nodded firmly: "Okay, I am willing to deposit these funds into your bank." "
Subsequently, the banker personally led Aunt Yang to a spacious and bright operation area, and patiently and meticulously explained each deposit step for her. "It's important to remember that this is a special offer within our bank, and you can't make random inquiries during this period, otherwise the system will automatically cancel the rate, so please feel free to wait a year before withdrawing your money.
Aunt Yang nodded earnestly in understanding. Although she still had doubts in her heart, she gradually reassured herself when she saw the young and thoughtful banker in front of her: as an employee of a large bank, they should not deceive customers, right?
In this way, under the enthusiastic guidance of the banker, Aunt Yang confidently completed all the operations step by step and transferred all 13 million yuan to the banking system. When she saw the huge deposit figure clearly printed on the passbook, she couldn't help but smile with joy.
In this age of money, people are often easily confused by immediate benefits. Looking back on Aunt Yang's experience back then, such a high deposit interest rate is indeed questionable.
Generally speaking, the interest rate on one-year fixed deposits of banks fluctuates around 3%, but the annualized interest rate of 12% is clearly far beyond the normal and reasonable range!
However, it is a pity that Aunt Yang could not resist this seemingly irresistible temptation, and the huge reward promised by the other party made her let down her guard and happily chose to step into that seemingly narrow, but in fact full of risks.
At the end of 2014, Aunt Yang came to the Agricultural Bank of China branch with great interest, and she was looking forward to receiving up to 2 million yuan in interest to buy New Year's goods for her family and distribute New Year's money to her children.
She anxiously handed the passbook to the staff, pointed to the clear deposit record on it, and explained incoherently. However, the other party ruthlessly denied her statement and shook his head indifferently.
However, no matter how loudly Aunt Yang shouted, the counter staff kept repeating the sentence "Your deposit record was not found in the system" with a blank face, ignoring her request.
There were even questions about whether she had misremembered the password.
Eventually, the situation became so serious that the manager had to take matters into his own hands. He urgently summoned the guards and forcibly took Aunt Yang away from the noisy and chaotic scene, and at the same time, he did not hesitate to choose to call the police.
Aunt Yang's heart was filled with endless pain and helplessness, and she collapsed weakly on the bench outside the bank, her eyes full of tears, looking around at the bank lobby that had given her endless expectations and imagination.
It was here that she deeply remembered that a young girl had made a convicted promise that if Aunt Yang put her savings into the bank, she would definitely be rewarded handsomely after a year.
But now, where is the little girl who promised her wealth? She tried to call the phone number left behind, only to hear a cold electronic tone: "The number you dialed is down".
So where did her 13 million yuan deposit go? Was it really ruthlessly devoured by the bank staff? This made Aunt Yang feel extremely angry, and at the same time, accompanied by deep helplessness, she couldn't help but cry bitterly.
For an old man who is close to old age, 13 million yuan is undoubtedly the accumulation of her and her husband's lifelong efforts.
Aunt Yang's police report has attracted great attention from the police. After a preliminary visit and an in-depth investigation, the police quickly discovered that Aunt Yang's experience was not an isolated case, and in fact, many elderly groups had suffered similar frauds, and their huge deposits had flowed into the private account of the same mysterious woman.
After months of unremitting efforts, the police finally zeroed in on the woman whose identity was confusing - she was Qiu Mou, a well-known local female entrepreneur in Hangzhou. It turned out that just a year before the incident, Qiu successfully established a large-scale enterprise in Hangzhou with his unique personal charm and excellent business wisdom, and he was in the limelight for a while.
However, the good times did not last long, due to the mistakes in the business strategy, coupled with the sharp deterioration of the market environment, Qiu's company soon fell into difficulties, the economic situation became increasingly severe, the capital chain was broken, and the company could not operate normally.
When he was desperate, Qiu decided to take a risk and traveled among major banks as a "female entrepreneur", specifically targeting bank employees who were greedy for small profits and lacked professional ethics to commit fraud.
She put forward an attractive condition: As long as these staff members are willing to "facilitate" their scams, she can give them a generous commission return of up to 10 percent! In order to make the fraud more convenient, Qiu even specially found a person named Wu to act as his agent, responsible for finding those elderly customers with wealth and strength in various large banks, and also promised to give Wu a bonus commission of up to 10 percent.
The ghosts are even more painstakingly recommended to customers: this is actually an "internal preferential activity" launched by our bank, you only need to deposit money, and you can not check the account balance for the next whole year, otherwise you will lose the qualification to enjoy the preferential interest rate.
As a result, the vast majority of the elderly are kept in the dark, patiently waiting for the "high interest due" in a year's time.
Qiu was originally a high-profile local female entrepreneur in Hangzhou, and with her unique personal charm and excellent business acumen, the company she founded was once prosperous.
However, the good times did not last long, just a year before the accident, due to the deviation of the business strategy and the sharp deterioration of the market environment, Qiu's company fell into a serious crisis of capital chain breakage, and the whole company was unable to maintain normal operations.
When he was desperate, Qiu resolutely chose to take a desperate gamble and take risks. As a "female entrepreneur", she shuttles between major banks, specifically selecting those who are greedy for small profits and lack professional ethics as target the ghost bank staff.
She promised them a handsome reward: a generous commission of up to 10 percent for "facilitating" their scams.
In order to make the fraud operation go more smoothly, Qiu even deliberately found a person named Wu as his agent, who was responsible for finding those elderly customers with financial strength in major banks.
She also promised to give Wu a bonus of up to 10% as bait.
In this process, Zhu and others will pretend to be a normal business process and guide customers to gradually deposit money. At the same time, they will carefully inform the customer: "This is a special promotion within our bank, and you cannot check the account balance for one year during the deposit period, otherwise you will lose the opportunity to enjoy the preferential interest rate."
However, the truth is cruel! The majority of customers are still convinced of the money in their accounts, but they do not know that they have already been quietly transferred to Qiu's private account by internal cunning elements.
The key to this kind of deception can evade the bank's strict monitoring is that every step of the process requires the customer to enter the password in person for authorization confirmation, so that these seemingly just routine transfer operations are difficult to detect.
As a result, the elderly from all over the country were trapped in this carefully woven scam, obsessively waiting for the so-called "high interest rate to expire" in that year's time.
After several months of continuous follow-up investigation, the police finally verified the criminal facts of this huge fraud case jointly planned and carried out by Qiu and his gang members.
Through unremitting efforts, they successfully arrested Qiu and six main suspects, including Zhu and Wu, employees of the Inner Ghost Bank, and what awaits them will be severe punishment by law.
According to official statistics, the amount of money involved in this jaw-dropping fraud case is as high as a staggering 500 million yuan, and the number of victims is as high as 1,000! Judging from the information disclosed by the police, the targets of these swindlers are precisely those elderly people who have a certain amount of savings in their hands, and they are lured to bet all their possessions into this so-called "high-interest" trap.
What is sad is that despite the great efforts of the police, only more than 50 million yuan of funds were recovered in the end. Most of the remaining funds have been cleverly looted by Qiu and others and transferred to hidden places, making it difficult to recover them.
In the face of such huge economic losses, the majority of victims are anxious and angry. Many of them rely on this funding as their only pension and look forward to living out their old age.
Now, however, their meagre savings have been ruthlessly plundered by scammers, leaving them in trouble in their later years.
Although the case has reached a clear conclusion, the more pressing issue is how to properly deal with the worries of these elderly victims. After all, compared with ordinary tens of thousands of yuan in deposits, the amount involved in this case is as high as hundreds of millions of yuan, which is far from the responsibility that banks can unilaterally bear.
After in-depth internal discussion and rigorous analysis, the bank has decisively made a crucial decision - for the part of the funds that can be successfully recovered, we will immediately start the corresponding compensation process, and return the full amount unconditionally to the deceived noble old people, and as for those funds that have long been missing, the bank will also accurately estimate and compensate each victim strictly according to the current deposit interest rate.
Although this decision will not fully compensate for the huge financial losses suffered by the victims, it will at least alleviate their plight and prevent them from falling into a more difficult situation.