We know that money is deposited in the bank with interest, and deposits will only increase, but have you ever heard of the situation where the balance of money is less saved?
In 2012, such an incident occurred in Hebei:A boss deposited a huge sum of 45 million yuan in the bank and withdrew it two years later, only to be told that there was only 800 yuan left in the account.
45 million turned into 800 yuan, and the boss was furious and shouted hysterically in the bank hall: "Who stole my money?" However, the bank staff responded: ".Don't make a fuss, you will lose the lawsuit!
So, how did this 45 million huge amount of money disappear? Who is to blame?
It all started in the summer of 2012. Wang Xiangyang, the protagonist of the incident, opened a company called "Yang Communication Technology" in Yuanshi County, Shijiazhuang, Hebei Province. Wang Xiangyang's business is very large, and he has sufficient liquidity in his hands, with tens of millions of idle funds.
On this day, the company's accountant found Wang Xiangyang and said happily: ".Boss, I know a guy named Song Tiangang, who works in a bank and happens to have a savings project on hand. He gives a lot of interest, why don't you give it a try?
Wang Xiangyang was moved when he heard it, he currently has no need to expand his business, and he is worried about how to deal with these tens of millions of liquidity. So, he asked the accountant to call this Song Tiangang to the company, ready to personally inquire about the deposit.
Soon, Song Tiangang appeared in Wang Xiangyang's office. He is dignified, dressed in a straight suit, steady and steady in conversation and laughter, and looks very convincing.
In the office, Song Tiangang talked eloquently and told Wang Xiangyang: ".Our bank can't complete the savings task, to absorb deposits, as long as the money is deposited in the bank, the monthly interest is at least 12%
We know that the monthly interest rate of the six major banks is about 04% or so, 1The interest rate of 2% is already high. Moreover, the bank mentioned by Song Tiangang is the local Agricultural Bank, and the big bank must be reliable. Wang Xiangyang was so moved that he asked the accountant to take 10 million to the bank to make a deposit. Before leaving, he also instructed the accountant: ".Be sure to keep an eye on it and see the leader before depositing!
A few hours later, the accountant came back and reported that the money had been saved. Wang Xiangyang was not at ease, and asked again: "Have you seen the bank leaders?"”
The accountant explained that she went to the business hall with Song Tiangang and met the bank staff wearing **. Later, she was taken into the VIP reception room and met the leader. In the reception room, she signed a letter of commitment, agreeing with the bank that she would not make inquiries, open online banking, open SMS reminders, or withdraw in advance within one year of deposits.
Song Tiangang explained that because the account is opened for the public, it can only survive for the duration of these special regulations. However, after the maturity of the deposit, you can not only receive current interest, but also additional discount income.
Wang Xiangyang felt that it was very reliable, and in October, November and early 13 2012, he deposited 10 million, 10 million and 15 million yuan in the bank respectively. In just half a year, he deposited 45 million yuan in the bank according to Song Tiangang's proposal.
In 2014, Wang Xiangyang's working capital was almost exhausted, and it was time to use the money to catch up with the project payment. So, Wang Xiangyang told the accountant to ask her to take out the 45 million principal and interest in the corporate account.
The accountant immediately called Song Tiangang **, but the other party said that there was no money in the bank's capital pool and that he would have to wait for more than ten days. But more than ten days passed, and when the accountant proposed to withdraw money, Song Tiangang rejected her on the same grounds.
After more than a month, Wang Xiangyang finally couldn't bear it anymore and decided to go to the bank in person to get back the principal and interest. However, the bank teller kept the same sentence over and over again: ".Didn't you say that the bank's capital pool is insufficient, and you will have to wait for a while longer for large withdrawals
Wang Xiangyang was very angry: You said the same thing a month ago, this time I still don't have any money, is there something behind it?
However, the teller repeated the same rhetoric, even the simple request to check the account was refused. The more Wang Xiangyang thought about it, the more wrong it became, and he hurriedly ran to the ATM machine to check. This investigation scared him a lot, his 45 million deposits, the balance is only 800 yuan!
Wang Xiangyang's blood surged in an instant, and he returned to the business hall and asked the teller loudly: "I said why did you make me wait, it turns out that I have no money in my account!."You have to give me an explanation today, or I'll call the police!”
Wang Xiangyang was aggressive, and the teller didn't give in, and scolded him fiercely: ".You go and sue, the bank has a flow statement, and you will lose wherever you sue!
Wang Xiangyang was so angry that he smoked, but he quickly calmed down, he didn't want to make a big deal out of it, as long as he could get the money back. So, he called Song Tiangang, the deposit manager, and asked about the deposit.
However, what Wang Xiangyang didn't expect was that this dispute lasted for 6 years, and it was not until 2020 that everything was revealed.
Wang Xiangyang asked Song Tiangang for money, and it really worked. By the end of 2014, Song Tiangang had returned 36.07 million yuan, and 8.93 million yuan had not been returned.
Seeing a sum of money coming in, Wang Xiangyang's hanging heart finally relaxed. At this time, he also understood that the 45 million he deposited in the bank was misappropriated. In line with the idea that more is better than less, he did not go through the legal process, thinking that it would be enough to get the money back.
Unexpectedly, in November 2016, things changed dramatically:The bank involved reported to the Yuanshi County Public Security Bureau, saying that the funds in Wang Xiangyang's account had been transferred by forging his company seal, and the amount involved was huge.
This is not Wang Xiangyang's business alone, even the bank is also involved. As the investigation deepened, the truth finally came out.
In 2020, in the criminal verdict disclosed on the judgment document network, the entire incident was restored. At the same time, Wang Xiangyang also received a reply from the Hebei Banking Regulatory Bureau.
It turned out that Song Tiangang was just a middleman, and the person behind the real transfer of Wang Xiangyang's 45 million deposits was a person named Wei Yanjun, as well as Xu Mou, the president of a bank.
In 2012, when Wei Yanjun chatted with Xu, he figured out a "way to make money". Wei Yanjun proposed that he wanted to find a company to deposit money in the bank, and then use Xu's relationship in the bank to transfer the money out and embezzle it to other places to make money. However, there are two difficulties with this plan:First, how to find a rich business; Second, how to steal the money.
As the president, Xu is very familiar with the banking business. He suggested that it was possible to forge the enterprise's official seal, financial seal, and power of attorney to withdraw the enterprise's deposits.
To test this possibility, Wei Yanjun conducted an experiment. He forged various seals and power of attorney of the accomplice's unit, and then took a copy of the legal person's ID card to withdraw money, and sure enough, he withdrew the money.
After the experiment was successful, Wei Yanjun kept looking for a target and contacted Xiao Feng, a female staff member of the Yuanshi County Branch of the Agricultural Bank of China. Xiao Feng revealed that Wang Xiangyang, the owner of a local business, had 10 million yuan of working capital on hand and wanted to deposit, but he was afraid of the low interest rate of the bank, so he did not move for a long time.
If Wei Yanjun got the treasure, he immediately found the middleman Song Tiangang and asked him to use "high interest **" as a bait to lure Wang Xiangyang to take the bait. Wang Xiangyang did not suspect fraud, and successively deposited 45 million yuan, but all of them were transferred away by Wei Yanjun and others with the radish seal, the entrustment agreement and a copy of Wang Xiangyang's ID card.
Among them is an oolong, Wang Xiangyang thought that Song Tiangang was a person from the bank, and the bank thought he was a person from the enterprise, which caused this criminal gang to exploit loopholes and defraud huge deposits.
After stealing 45 million, Wei Yanjun put part of it into Rongtong ** to eat interest. He squandered the rest of the money, buying a BMW car for his live-in girlfriend and a three-bedroom house.
In 2014, Wang Xiangyang went to the bank to withdraw money, only to find that the deposit was only 800 yuan. Seeing the incident in the east window, Wei Yanjun mortgaged his real estate and car in a hurry, and finally scraped together more than 36 million yuan and transferred it to Wang Xiangyang.
In 2016, the bank discovered that Wei Yanjun and his gang had made radish seals to defraud bank deposits, and immediately called the police.
After the case, the president Xu was fired, and Wei Yanjun was also sentenced to 14 years in prison, fined 1 million yuan, and returned the principal of 8.93 million yuan to the victim Wang Xiangyang for theft.
This is the end of the matter. It has to be said that deposits must be cautious, and entrusted handling must be more vigilant. Because you don't know that the bank ** hides moths, colludes with criminals, and covets your deposits!