2.8 billion deposits were inexplicably pledged by Bohai Bank Enterprises: The construction of related projects has been suspended

Qilu Network · Lightning News October 28, a few days ago, "Bohai Bank depositors 2.8 billion yuan depositors were pledged to guarantee" incident continued to ferment.

Two subsidiaries of Jiangxi Jimin Trust Group Co., Ltd. (hereinafter referred to as "Jimin Trusted Group"), Wuxi Jiyu Shanhe Pharmaceutical Co., Ltd. (hereinafter referred to as "Shanhe Pharmaceutical") and its affiliate Nanjing Hengsheng Pharmaceutical Co., Ltd. (hereinafter referred to as "Hang Seng Pharmaceutical"), deposited a number of deposits with Bohai Bank Nanjing Branch in November 2020, with a total deposit amount of 3.3 billion yuan for the two companies.

However, without the knowledge of the two enterprises, 2.8 billion yuan of deposits were used as a loan pledge guarantee for Huaye Petrochemical Nanjing Co., Ltd. (hereinafter referred to as "Huaye Petrochemical"). The 500 million yuan that was not pledged was clearly denied by the enterprise on August 19, 2021, when the staff of Bohai Bank Nanjing Branch called Yu Jianghua, the legal representative of Shanhe Pharmaceutical, to verify that "there is a real willingness to handle the pledge business of certificates of deposit", the enterprise explicitly denied it and failed to complete it.

After the above incident, Jimin Trust Group reported the case to the Wuxi police on September 3, 2021, and the case is currently under investigation.

In an interview with the Central Broadcasting Network reporter, Jimin Credible Group said, "The project construction funds and working capital of the two subsidiaries were pledged, which directly led to the suspension of the project. It is hoped that the police can find out the truth as soon as possible and the money involved can be recovered as soon as possible. ”

At present, the incident is becoming more and more complex. In the early morning of October 24, Bohai Bank Nanjing Branch issued a statement saying, "Found abnormal behavior between enterprises, it has reported the case to the public security organs, sought judicial solutions according to law, and promised to resolutely safeguard the legitimate rights and interests of customers, ensure the safety of customer funds, and maintain financial order and stability." ”

The identity of Huaye Petrochemical, a guaranteed company that has no relationship with Jimin Trusted Group, is a mystery.

An innovative deposit product that provides pledge financing

Jimin Trust Group is a modern health industry group in Jiangxi, with business covering pharmaceutical, energy, investment and other fields, headquartered in Nanchang.

According to Jimin Credible Group, the funds involved in this incident are the project construction funds and working capital of their two subsidiaries, and the two companies opened accounts at the Nanjing branch of Bohai Bank for the first time and purchased Bohai Bank's "New Easy Deposit" deposit products through corporate online banking.

According to public information, "New Easy Deposit" is an innovative deposit product launched by Bohai Bank, which has obvious short-term price advantages, simple online purchase and low starting point, and supports automatic renewal at maturity, multiple early withdrawals and pledge financing.

The central broadcast network reporter learned from the customer service staff of Bohai Bank that "New Easy Deposit" belongs to a public deposit product, which can be purchased through the outlet counter or electronic channels, of which the single deposit amount is 500,000 yuan through the counter of the business outlet; the single deposit amount is 100,000 yuan when purchased through electronic channels, and the multi-deposit is not limited. The deposit period is from 10 days to 1080 days, which is increased in 1-day increments. During the deposit period, it can be withdrawn multiple times, and the retained principal is not less than the minimum deposit amount, otherwise it will be treated as a cancelled account. As for the pledge financing, Bohai Bank's customer service said that it "must meet the relevant requirements of the Bank's credit and risk management".

Jimin Credible Group said, "At that time, because there was a demand for deposits, bohai bank Nanjing branch recommended this product when opening an account, and we bought it." Moreover, the maturity date of time deposits is the time to maximize the income of the deposit, so if there is no emergency, it will not be withdrawn in advance. ”

However, Jimin Trust Group emphasized a detail, saying that when logging in to the Bohai Bank e-banking inquiry account, the page only shows whether the deposit is in the account, but it cannot see the specific status of the deposit in the account, such as whether it has been pledged, frozen, etc.

The picture shows jimin credible group provided

In this regard, when the reporter asked a bohai bank account manager for verification as an enterprise, the other party said that the user could see that the money was pledged, but could not be used.

In addition, the reporter learned from a number of banking personnel that when banks handle deposit pledge business, they need to go through a strict approval process, and business personnel need to write reports, report, review and sign step by step. At the same time, some bankers said that if the enterprise is the first time to handle the pledge business, it needs to evaluate the pledge, and the handling personnel involve dozens of business personnel, appraisal companies, customers and so on.

There are risk control loopholes in the links such as printing inspection and reply to the inquiry letter

Jimin Credible Group said that the company has no relationship with the guaranteed company Huaye Petrochemical, and has never signed a pledge guarantee contract with the bank or authorized others to handle the pledge, let alone stamp the relevant materials.

"When we met with Hu Zhaofeng, general manager of the business department of Bohai Bank Nanjing Branch, and Guan Pengcheng, assistant general manager, on August 21, two other people who did not know each other came and introduced huaye petrochemical people, so we knew that there was a company." Jimin Trust Group said.

It is reported that the deposits of 2.8 billion yuan of two companies under Jimin Credible Group became loan pledge guarantees, and about 300 official seals were required to complete the whole process.

Jimin Trust Group told the Central Broadcasting Network reporter, "After the incident, we launched an internal inspection internally. Our internal division of labor is very strict, especially involving large amounts of business, the official seal is managed by different departments and different personnel, and any use of the official seal must be submitted from the company's OA system and approved by layer by layer. We retrieved all the approval results and loan records needed for business trips, etc., but all showed no problems. ”

According to the recording provided by Jimin Credible Group, Guan Pengcheng, assistant general manager of Bohai Bank's Nanjing branch, said, "I think the bank must have loopholes, from the inspection and printing, you reached 80% or more, passed, and did not call the legal person." ”

In fact, Bohai Bank Nanjing Branch also had problems in the reply to the inquiry letter.

In March 2021, when Wuxi Fangsheng Accounting Firm audited Shanhe Pharmaceutical, it issued an inquiry letter to bohai Bank Nanjing Branch, in which "Shanhe Pharmaceutical's 7 deposits totaling 1.01 billion yuan in Bohai Bank did not have freezing, guarantee or other restrictions on use", Bohai Bank Nanjing Branch replied that "after verification by the Bank, the items verified by the Bank are consistent with the information recorded by the Bank".

Hu Zhaofeng, general manager of the sales department of Bohai Bank's Nanjing branch, admitted to Jimin Trust Group that each deposit of the two companies was pledged within a few days after each deposit.

Regarding whether there are problems with Bohai Bank's risk control management and product design, the reporter of the Central Broadcasting Network sent an interview outline to Bohai Bank, and as of press time, he has not received a reply.

Source: CCTV