New Fire Prevention, Theft Prevention And Missing Prevention For New Year'S Customers

"Daughter, how can we say that money exists in a bank?" and "where do we keep our money?"

According to the reporter, recently, apart from her mother, many relatives and friends expressed similar worries to her.

Recently, our bank has held several meetings, that is to say this.

The lack of internal management of commercial banks is one of the reasons, and depositors' high interest rate is also an important reason.

High yield deposits are missing.

At the beginning of the new year, there were many cases of theft of depositors' deposits, which involved millions of depositors' deposits.

Why do the banks' money disappear? The China Securities Journal reporter learned that these disappearing deposits in the bank have nothing to do with the so-called high interest rate deposits and discount deposits.

At the beginning of 2014, Mr. Zhang, a depositor of a city commercial bank in Hangzhou, Zhejiang, found that 200 yuan in his account had only a few dollars left.

According to the Xihu District police in Hangzhou, the case involved a total of 42 depositors of a number of commercial banks, totaling 95 million 50 thousand yuan deposits.

According to Mr. Zhang's bankbook account, in November 18, 2013, there was a deposit of 2 million 500 thousand yuan, but there was no expenditure information thereafter.

It is understood that Mr. Zhang introduced the money to the city commercial bank, and got an additional red envelope on the spot: 2 million 500 thousand yuan 10%, or 250 thousand yuan discount.

But I do not know that I am "picking up the sesame and losing the watermelon".

The "greed" of the depositors gave the criminals an opportunity.

According to the introduction, the "savings thief" is targeted at the deposits of major banks.

When a bank member is paid off, the depositor will be pferred to other accounts immediately after depositing the money at the counter.

It is understood that, in addition to individual depositors, many enterprises are also frequently deposits "black hand".

People's Procuratorate case information disclosure network shows that in January 8th, the people's Procuratorate of Luzhou city of Sichuan approved the arrest of four people suspected of defrauding Luzhou Laojiao deposits.

Only by forging bank tickets did the suspect successfully cheat the bank from Luozhou Laojiao company.

"The loss of deposit is also related to the defect of the bank's ticket system or the information leakage of depositors."

Liu Jicheng, lawyer of Guangdong Sheng Lun law firm, said.

Capital broker should go to "history"

"Depositors' deposits are missing and are sometimes closely related to discount deposits".

Many bank insiders said that "discount" means that the interest of depositors should be given to the depositors in addition to the original bank interest.

Through this way to complete the deposit index, become a lot of banks, especially local small and medium banks "killer".

At the same time, a lot of "capital brokers" have been created.

There are two kinds of discount deposits: one is "sunshine discount". When the amount of bank loan is insufficient, some enterprises that meet the requirements of bank loan qualification will get loans and the interest will come out of the enterprise. In this case, the depositors' money will not be affected; the other is the "non Yang light" discount, that is, enterprises that do not conform to the qualification of bank loans will pay interest deposits. When deposits are deposited into banks, they will be pferred to enterprise accounts.

If the due company fails to repay the principal and interest, the depositor will find that the money in his bank account is "missing".

"It can be said that the frequent disappearance of bank deposits is closely related to these funds brokers."

A state-owned big bank said that the fund broker in the past few years can be described as "unlimited scenery", many brokers and even the president of the bank.

This phenomenon is criticized by most experts including Wu Xiaoling, deputy director of the finance and Economic Commission of the National People's Congress, who believes that it not only breeds corruption and arbitrage, but also hinders the normal and benign operation of commercial banks.

Bankers in the banking industry say frankly that capital brokers need to go back to history.

In September 2014, the CBRC, the Ministry of Finance and the central bank, in the notice on strengthening the management of the deviation of commercial banks' deposits, made it clear that commercial banks should not "illegally raise the deposit interest rate or the high interest rate class" in violation of the regulations, and set up special accounts to pay high interest rates for depositors.

At the same time, commercial banks are required to restrict the "rush hour" of the end of the month deposits, and the deviation of the last day of the month should not exceed 3%, which will quickly cool down the "business" of fund brokers.

Call deposit insurance system

China is one of the countries with the highest savings rate in the world. By the end of 2014, the balance of deposits in China's financial institutions was as high as 116 trillion yuan.

Therefore, many experts and bankers in the banking industry say that the "disappearance" of depositors' deposits is related to the poor internal management of commercial banks, but more needs depositors' own "

"

Guo Tianyong, director of the China banking research center of Central University of Finance and Economics, said that for bank depositors, it is necessary to understand that the state has a statutory interest rate regulation. If the bank interest rate to deposit money is "very unreliable", it may not be a regular deposit, it should be noticed; for the internal part of the bank, it is necessary to strengthen internal management and prevent "inner ghost".

According to the circumstances of the disclosure,

"Missing" is also related to depositors.

For example, because of the high interest rate, depositors should sign the "six no" undertaking, which includes: "do not open SMS to remind business", "do not open online banking authority", "do not deposit all the bills", "do not inquire", "do not withdraw in advance", "do not mention friends who work in banks".

Many experts call for the deposit insurance system to be speeded up.

"Many depositors feel that their money just goes to the bank counter to relax. Even if problems arise, banks will be held responsible."

In December 1, 2014,

Issuing the deposit insurance Ordinance (Draft), the deposit insurance system will cover commercial banks, rural cooperative banks, rural credit cooperatives and other banking financial institutions established within the territory, and adopt different rates for different types of institutions, with a maximum repayment amount of 500 thousand yuan.

The so-called "deposit insurance system" refers to the state in the form of legislation, forcing banks, credit unions, and other financial institutions to absorb deposits to pay premiums in accordance with the regulations, forming a deposit insurance fund. When the problems of individual banks are in operation and the interests of depositors may be damaged, the deposit insurance fund is promptly used to repay the insured deposits to the depositors, and the necessary measures are taken to maintain the deposit and deposit insurance fund security system.

At present, more than 110 countries and regions in the world have established the deposit insurance system.