The Depositor'S 45 Million Yuan Deposit Was Misappropriated By The Bank &Nbsp, Or Illegal Flow To Usury.

"I am planning to go to the door of the bank to pull the bar and pay for the hard-earned money!" the depositor Mr. Wang excitedly told reporters that at present, the repayment period of the bank commitment has been dragging on.

In the past month, Mr. and Mrs. Liu frequently returned between Xi'an and Dalian in order to return the 45 million yuan deposit.

The depositors' deposits may be used for release, according to people familiar with the case.

The industry is worried that with the tightening of money, the issue of private lending will bring risk to the banking sector.

Liu Mingkang, chairman of the China Banking Regulatory Commission recently warned that in the future, we should adhere to the "isolation risk" and "combination of congestion and control" to comprehensively control private lending.

He explicitly called for a strict "firewall" between banking financial institutions and private lending to prevent the pfer of risks to the banking system.

In the first 8 months of this year, Mr. A, a friend of Mr. Liu and Mr. Wang, hoped that they would deposit 45 million yuan of funds in demand deposits in a branch of a joint stock bank in Dalian for a period of 1 months.

Mr. A told them that the governor of the bank and he were college classmates and had a good relationship.

Recently, the higher authorities will conduct an assessment of the business of the sub branch. However, the president of the bank is worried that the bank's deposit size is still far from the standard and needs to be displaced in a short time.

Mr. A, having opened their mouth, and with their many years of friendship and business dealings, Miss Liu and Mr. Wang could not refuse to give them 20 million yuan and 25 million yuan respectively.

Mr. Wang recalled that at that time, Mr. A showed them a deposit invitation letter issued by the bank.

The invitation was very formal, which wrote that the bank welcomed the bank depositors, which needed one hundred million or more deposits, and welcomed the depositors or other depositors to come to deposit accounts. The depositors' deposits were only used as normal deposits, and the funds were guaranteed to be safe.

"Behind this is the signature of the governor of the branch."

Mr. Wang said, it is said that money has entered the safe deposit box, and there are formal deposit invitations. They believe this, and have never thought of getting into a trap.

Accompanied by Mr. A, Mr. Wang and Miss Liu set up a personal savings account in the branch and entered a total of 45 million yuan into their account under the branch.

It never occurred to me that their nightmare had begun.

Mr. Wang recalls that after he and Miss Liu arrived at the branch, they first opened a current passbook and put up a debit card below the passbook.

Then, in accordance with the normal steps, the deposit and card are respectively set up with six digit passwords.

He returned to the hotel from the bank and drove 25 million yuan into the new bank account of the branch through the online banking system.

Then Mr. Wang came to the bank again. The printed bill clearly showed that Mr. Wang's 25 million yuan fund had been recorded.

When he returned to Xi'an, Mr. Wang once went to the bank to do business, but was surprised to find that 25 million yuan had disappeared.

Miss Liu is the same.

According to the bill, their funds disappeared from accounts shortly after they were accounted for, leaving only 10 yuan in the account.

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After enquiry, the money was pferred to the X account of Mr. stranger by means of Kaka pfer.

"Before that, neither Miss Liu nor I had dealings with this monarch."

In anticipation of bad events, Mr. Wang immediately contacted Mr. A, hoping that he could give a reasonable explanation and return the funds.

Mr. A, who consulted the governor of the branch, replied that because the funds were used to purchase financial products, the deposits were pferred to the pool of funds of the branches and managed by the branches. Therefore, the deposits reflected in the personal accounts were pferred out.

"He has made sure that funds are very safe, and that funds will naturally turn back to personal accounts after the expiration of 1 months."

Although Mr. Wang is doubtful, money has been deposited in the bank and can only wait for the expiration.

However, the worst case occurred. After 1 months' expiry, Mr. Wang found that only 3 million yuan was pferred from his bank to his account in his personal account, while Miss Liu had nearly 5 million yuan in his account.

Mr. Wang feels serious.

Obviously, funds are misappropriated by banks, and for various reasons, they can not be recovered now.

In order to get his money back, he and Miss Liu had to embark on a way to safeguard their rights.

Unexpectedly, the attitude of banks is particularly tough.

"Not only can our legitimate demands be inadequate, but even the president of the bank avoids us.

For a few days, Miss Liu went to the bank to refund the funds, but the bank forced her to take the bank away from the bank on the grounds of impeding normal operation.

Mr. Wang said.

Mr. Wang and Miss Liu could only turn to the local public security organs, hoping to help them recover their savings through justice.

The latest news that journalists have grasped is that after the unremitting efforts made by Miss Liu and the intervention of the public security organs, the bank eventually pferred the recovered funds into Miss Liu's account.

Now Miss Liu's 20 million yuan is basically on the bill, but Mr. Wang has been waiting for the remaining 22 million yuan in addition to the initial 3 million yuan.

Bank "ghost" "deceive the sea"

How can the money in the bank be inexplicable? The insiders of the bank say that under normal circumstances, the bank staff can not pfer funds from the customer account without the authorization of the customer, because the backstage operation of the bank has to go through many checks, and a little irregularities of the front desk operators will be found by the background auditors.

And the 45 million yuan deposit is mysteriously turned out. It must be matched by the bank's "ghost".

The source said, now the bank internal staff embezzlement of customer deposits many tricks, and even some dazzling.

For example, a bank can set up an online bank for its customers, set up passwords by bank insiders, realize the pfer of funds through online banking, and also have the bank's password reset through the authority's authorization to achieve the control of customer accounts through new passwords.

But Mr. Wang told the China Securities Journal reporter that the password of his account has not changed, and is still the password he set up when he opened his account.

When he found that his account was misappropriated, he changed the password of his account for the first time. When he changed the password, he found that his personal password was still valid.

And for the way of online banking, Mr. Wang also feels that there is no possibility of this.

First of all, Mr. Wang did not open the account online bank. After that, Mr. Wang checked through the counter.

However, in recalling the whole incident, Mr. Wang mentioned a tiny clue.

After Mr. Wang returned to the hotel, the bank wanted customers to go to the bank to make a statement to see if the funds had been accounted for.

Mr. Wang then promised to go to the bank, and Mr. Wang entered the password before the counter. Then the bank handed over a statement, which showed that the funds had arrived safely.

The seemingly trivial thing was pointed out by the insiders.

He said that from the very beginning, Mr. Wang had fallen into the "bureau" which was carefully arranged in the bank.

Generally speaking, there are two ways for banks to print bills: one is to provide passwords, the other is to print and deliver the bills to customers as long as the clients themselves show their ID cards.

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Bank insiders say that the bank may have used the loopholes in this link to deceive customers' funds out of their accounts.

The bank may have printed the customer's bill in advance, while Mr. Wang entered the password before the counter. In fact, the instructions executed by the bank insiders were to turn the 25 million yuan fund out of the account.

Then, the printed bill was handed over to Mr. Wang. At the same time, 25 million yuan was pferred out of the account of the depositor.

Insiders commented that banks often appear to be "ghosts". They often collude with each other, causing internal risk control and supervision mechanisms to weaken or fail.

"Tens of millions of dollars, and involves two terminals, only the operation of individual employees is difficult to complete."

A large state-owned bank said that this problem shows that the bank's internal supervision has obvious loopholes.

Or misappropriation of usury.

Mr. Wang said, now the governor of the branch has been controlled by public security organs, and the appropriation funds are being recovered.

With the development of the case, Mr. Wang found that when the 45 million yuan was deposited in the bank, the bank also provided an additional discount or commission to Mr. A, a friend of Mr. Wang and Miss Liu.

This bank deposit invitation letter actually has a bank interest discount promise.

That is to say, the capital is deposited in the bank for 1 months. In addition to the normal interest rate, the bank also gives the parties 1 monthly interest discount or commission.

That is to say, 45 million yuan of funds can be accounted for, and the advantage that individuals can get is nearly 450 thousand yuan.

In addition, according to the interest rate of current account of 0.5% of annualized interest, the bank will pay interest of nearly 470 thousand yuan after the expiration of 1 months.

Although Mr. A, who had already given the discount of $450 thousand to him and Miss Liu after the incident, had little money compared with the loss of tens of millions of dollars.

On the other hand, without the authorization of customers, the bank misappropriation of customer funds is a serious violation.

Analysis of the industry, here is nothing but a profit.

The reason why banks are so aggressive is to divert funds to others. Naturally, they can gain huge profits after embezzlement.

The person said that from the current situation analysis, funds may be diverted by banks as usury funds issued.

Associating with the current collapse of the usury market, the owner of the business is running away because of the reason that the capital chain is broken. It may be that the funds can not return to the account of the depositor in time.

People familiar with the case believe that the case is a disguised form of illegal fund-raising. The suspects collect capital by means of depositors, and then invest the depositors' funds into a project or a lender. They only use the channel of the bank to rationalize the illegal fund-raising.

Authorities say nearly 3 trillion of the bank's funds are in the private sector, most of which are in the form of credit and partly embezzled by customer deposits.

"Especially when commercial banks tighten their money, the price of private lending funds is rising."

Now the interest rate of private lending has risen to 5-8 points per month, compared with the 1 discount offered by banks to depositors, the huge difference between them is a direct inducement of collusion between some banks' personnel and the appropriation of customers' deposits.

In addition, the discount offered by banks at high interest rates is derived from the bank's marketing expenses, and the misappropriation of deposits proceeds into the pockets of banks.

This naturally makes some internal banks take risks.

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Who is in the "naked swim" when funds are tight?

Money is tight, but I think it has become the gateway to the development of banks.

The recent news of Bohai bank's alleged embezzlement of deposits has been reported in recent years. For a while, the construction of internal banking industry has become "precarious" and the level of liquidity has been decreasing.

A bank official pointed out that in normal years, a similar amount of misappropriation is usually not too large, and often can be returned to maturity.

But this year, the demand for external capital is booming, and the amount of such loans continues to climb. Some of the loans are not recovered in time, resulting in overdue loans and further investigation.

Experts say that in fact, the frequent occurrence of bank cases is not related to the internal control system.

In recent years, banks have hired executives from home and abroad. Among them, risk management personnel have become the top priority.

In view of this, bank internal control problems can only be implemented at the executive level.

Regulators have a clear understanding of this.

The CBRC has issued the notice on increasing operational risk prevention and put forward thirteen measures to guard against operational risks. After the Qilu bank case occurred, the CBRC listed operational risk management as one of the main risks facing the banking sector. Since then, it has repeatedly reiterated that it is necessary to strengthen the prevention of credit risks and operational risks.

"In fact, the concept of banking oriented is extremely harmful to risk prevention."

A bank insiders pointed out that, over the years, the assessment of commercial banks is time assessment.

For example, in order to complete the "hour deposit increment" and other indicators, bank staff increased their deposits artificially at key months such as the end of the month and the end of the season.

Although these conditions have improved in recent years, the business oriented concept of banking will undoubtedly bring difficulties to the internal control of banks in the coming period.

In addition, the essence of collecting chaos is that commercial banks rely on the mode of deposit and loan interest rate. In order to avoid the vicious circle of "vicious storage, regulation and suppression - more vicious collection", the completion of intermediary business pformation has reached a consensus in the banking industry.

While changing the development mode of banking business, China's interest rate liberalization also needs to be speeded up.

In the case of the double track rate of interest rates, the soaring rate of private interest rates has led to the illegal flow of bank funds.

Guo Shibang, the president of the Department of deep development small and micro business, said that the marketization of deposit interest rate helped to solve the negative interest rate of deposit, which could help the fund to return from the folk to the bank, so that the loan could be cooled to a certain extent.