May 7, 2015, opened a company in Shijiazhuang, HebeiMs. SongDue to the need for capital turnover, I am ready to go to the bank to withdraw 1 million yuan for emergency.
However, after Ms. Song showed her personal information and entered her bank card password according to the procedure, the staff told her that her bank account was on itOnly 124 yuan remained
"I deposited 10.8 million yuan in your bank at the beginning, and I have never touched it, how can it be only 124 yuan now! What the hell is going on with your bank! ”
Seeing that the dispute with the bank was fruitless, Ms. Song, who was angry, called the police and reported the bank to the China Banking Regulatory Commission.
So, what's going on here? Why did Ms. Song deposit 10.8 million yuan in this bank in the first place? And where did her tens of millions of savings go? Let's take these questions into the story of today's article.
Ms. Song from Shijiazhuang, Hebei Province is oneThe big boss of a company with a successful careerIn her early years, she went to the sea to do business, and worked in the shopping mall for more than 20 years, relying on her shrewd business acumen and courage to fight.
Although it is not rich and expensive, it also has its own company andThrivingcareer.
InIn 2014, Ms. Song's company becauseBusiness upgradesYou need to register for a new oneCorporate account
According to the bank's regulations, the company legal person needs to come forward in person to handle the corporate account, and the bank will send a special person to check the authenticity of the company's business license and office location, and finally need to stand in front of the company with the company legal person to take a photo.
Ms. Song's company is located opposite a bank in the commercial building, and in order to save time, Ms. Song chose this bank to handle a corporate account. When Ms. Song arrived at the bank, she was greeted by a bank clerkLiang Li
After understanding Ms. Song's needs, Liang Li added Ms. Song's WeChat and ** number, and said that she would take someone to Ms. Song's company the next day to complete the photo verification procedures for the corporate account.
InEarly the next morning, Liang Li took her colleagues to Ms. Song's company to complete the photo procedure.
Moreover, Liang Li called Ms. Song on the day of the photo and told her that the company's corporate account had been handled, and it was still necessary to activate the account to be able to use it normallyWait 24 hours
Ms. Song was very satisfied with the efficiency of the bank, and Ms. Song was also impressed by the courteous and attentive bank clerk Liang Li.
Ms. Song originally thought that she and Liang Li only happened to meet because of business, and there might not be any intersection in the future, so she gradually forgot about it.
However, after a few months, Liang Li suddenly began to take the initiative to contact Ms. Song, which made Ms. Song feel very strange, and she also improved at the beginningBe vigilant
After contacting Ms. Song, Liang Li was like an old friend who had not been seen for a long time, and she had to care about everything from life to the company.
Although Ms. Song had a good impression of Liang Li, she suddenly became overly enthusiastic about herself, which made Ms. Song feel that Liang Li approached her for some other purpose.
Ms. Song thought that Liang Li was trying to do it to herselfMerchandisingWhat the bank isWealth management products, or if you ask for yourself, you will chat with her without a match.
However, Liang Li never revealed her true purpose to Ms. Song, she usually chatted with Ms. Song, and would also give Ms. Song in the circle of friendsThumbs upand nothing else.
In Ms. Song's impression, Liang Li is oneI love to laughVery talkative's young girl, perhaps, her purpose is very pure, just to make friends with Ms. Song.
But in the face of Liang Li, a bank clerk who was overly enthusiastic about herself, Ms. Song always felt faint in her heartRestlessness
As the saying goes, when things go wrong, there must be demons. Ms. Song and Liang Li have no friendship at all, so what is Liang Li's real purpose in approaching Ms. Song?
After chatting for a while, Liang Li began to ask Ms. Song about somethingThe company's business scopeMs. Song thought that Liang Li was finally going to expose her true purpose.
However, Liang Li's next behavior made Ms. Song feel embarrassed.
It turned out that Liang Li learned that Ms. Song's company's business was very extensive, so she wanted to give it to herRecommendedSeveral customers, after all, she is a bank clerk herself, and she usually has more contact with the industry.
Seeing that Liang Li sincerely regarded herselfFriends, and bothered to introduce customers to her company, Ms. Song was very moved in her heart, and gradually relaxed her vigilance against Liang Li.
The quality of the customers introduced by Liang Li to Ms. Song is very high, and after business negotiations, Ms. Song and several of them have established long-term partnerships, which has greatly increased the business volume and turnover of Ms. Song's company.
Ms. Song's joy was beyond words, and she was very kind to Liang Li in her heartGratitude, took the initiative to send her a thank you red envelope, and invited her to have time to eat together.
However, Liang Li said that she and Ms. Song were good friends, and it was right to help Ms. Song, and she did not ask for anything in return, and she neither received the red envelope from Ms. Song, nor politely refused Ms. Song's appointment for dinnerInvite
More than a month has passed. May 2014One day, Liang Li contacted Ms. Song again, but this time, she did not want to introduce new customers to Ms. Song, but to recommend the bank to Ms. SongStorage and storage business
With the favor and trust accumulated some time ago, Ms. Song patiently listened to Liang Li's product introduction, and she gradually became tempted in the face of the ultra-high deposit interest given by Liang Li.
According to Liang Li, their bank has now launched a new fixed savings business, which can earn 10% interest on a one-year deposit.
What is this concept? For example, if you deposit 10 million into the bank, then the interest will be 1 million a year. Moreover,Liang Li also wanted Ms. Song to promise that as long as the deposit arrived, the interest could be withdrawn in advance the next day
In fact, as long as you think about it a little, you can find out about itVulnerabilitiesWhat would a bank offer such a high deposit rate?
It is said that the interest rate on the loan is about the same！But, alreadyComplete trustMs. Song of Liang Li did not question the authenticity of this business, and she thought that it was a benefit given to her by Liang Li as a friend.
It's just that Ms. Song didn't have the need to save money at that time, and she didn't have so much cash on hand, so she politely rejected Liang Li's."Kind
It's just that Liang Li did not give up selling this product to Ms. Song, and during that time, Liang Li still introduced Ms. Song's company without asking for anything in returnA steady streamThis made Ms. Song's inner pressure very great, and she felt very indebted to Liang Li.
In order to reassure Ms. Song, Liang Li sent all the contents of the fixed storage business to Ms. Song for a basic understanding, and also sent Ms. Song screenshots of the transaction interface and interest receipt of some deposited customers.
Tell her that this high-interest storage business is a new benefit launched by the bank, which only internal employees know about, and it is completely legal and compliant.
At the same time, Liang Li also played the emotional card with Ms. Song, saying that it was not easy for her, and the bank would allocate a quota to them every monthBusiness volume
If you can't do it, you will face a wage deductionPunishment, I have been pestering Ms. Song, and I also hope that she can help her as a friend.
Ms. Song saw that Liang Li was right, and her heart gradually softened
In the past few months, Liang Li has become good friends with herself, and she has introduced so many customers to her company, but she has never found a chance to thank her, which makes Ms. Song feel deeply uneasy and remorseful.
Moreover, Ms. Song also comforted herself that Liang Li's bank was a large commercial bank, and there was no reason to make fun of customers.
And Liang Li did things for herself beforeNothing goes wrong, as long as the procedures and formalitiesLegal compliance, there shouldn't be any major problems.
So, after making a full understanding, Ms. Song had the mentality of trying it out, and was ready to deposit 1 million into this bank through Liang Li. However, when Ms. Song arrived at the bank, Liang Li said that the business needed to go to ShijiazhuangJiannan BranchGo for it.
Ms. Song felt strange about Liang Li's inconsistent words and actions, and she felt that she was being led by Liang Li's nose.
However, Liang Li was extremely strong at this time, and she told Ms. Song that the bank saw that she had pulled the business, so it gave it to herGrant leave, let her take Ms. Song to the Jiannan branch to handle business. During the whole process, Ms. Song didn't even have a chance to refuse.
After arriving at the Jiannan Branch, Liang Li took Ms. Song to find a salesman named Fan Liman, claiming that Fan Liman would accompany Ms. Song throughout the whole process to handle the fixed savings business.
After explaining the precautions, Liang Li left the Jiannan branch and returned to work in the bank.
After Liang Li left, Fan Liman reintroduced the high-interest fixed storage business to Ms. Song, and then took Ms. Song to complete itOpen an account, face verification, reset passwordand other prescribed processes. After doing this, Fan Liman also suggested that Ms. Song open one".U shield
The so-called U shield is actually a payment certificate, in other words, a small cipher.
After opening the U shield, users need to go through security verification before depositing and withdrawing, which is a kind of security guarantee, which can effectively prevent hackers and viruses from stealing the user's bank card number and password.
Ms. Song felt that this was not necessary, because she didn't know how to use the U shield herself, and if she forgot the U shield password, she would have to reapply for it before she could save money and withdraw money, which was trueToo much trouble
But,Fan Liman insisted that Ms. Song open the U shield, claiming that this is the only way to guarantee that the interest will be credited the next day after the deposit.
So, accompanied by Fan Liman, Ms. Song opened the U shield again, in order to prevent the method of withdrawing money from being rusty, Fan Liman also gave Ms. Song a complete demonstration of the U shieldHow to use:
After doing this, Ms. Song deposited 1 million yuan into the Jiannan branch through U Dun and received 100,000 yuan the next dayInterest
In just 8 months, Ms. Song, who tasted the sweetness, deposited a total of 10.8 million yuan into the Jiannan branch.
However, when Ms. Song went to withdraw the money a year later, she was told that she only had 124 yuan left in her bank account. So, what's going on? Where did Ms. Song's tens of millions of deposits go?
After Ms. Song deposited the first 1 million, she got 100,000 yuan in interest the next day, and she also muttered in her heart, why the Jiannan branch could be opened for herSo highinterest.
However, whenever she consulted Liang Li and Fan Liman, the other party would comfort her and say that this was the bank's new policy, which reassured her.
Ms. Song also felt that the Jiannan sub-branchLegal compliance, there is no need to deceive herself, so she later deposited 10 sums of money into the Jiannan branch under the instigation of Fan Liman, the first 9 times were 1 million, and the last time was 800,000.
After depositing the money, Ms. Song got it in total1.08 million interest。Ms. Song originally planned to save only one year and withdraw the principal as soon as the deadline expired.
On May 7, 2015, Ms. Song's 1 million yuan fixed deposit in Jiannan Branch had matured, so she planned to withdraw the money first and use it for the company's business turnover.
After arriving at the Jiannan branch, Ms. Song did not see Fan Liman, so she randomly found a counter to handle the withdrawal business.
However, after repeatedly confirming with the bank staff, Ms. SongFrightenedI found that I didn't have 10.8 million yuan in my bank account, not even 1,080 yuan, and there was only some change left on the book.
Ms. Song originally deposited the money in the bank out of trust in the Jiannan Branch
But now, the bank told Ms. Song that her tens of millions of assets were gone, and no one could accept this. Ms. Song first met with the president of the Jiannan branch and told Liang Li and Fan Liman about the high-interest deposit she had handled.
However, after listening to Ms. Song's account, the bank president said that the Jiannan branch had never been so highSavings and depository business, and Liang Li is not an employee of the Jiannan Branch, and what she said does not represent the Jiannan Branch.
As for Fan Liman, a salesman at the Jiannan branch, the bank has sent her to the relevant departments for acceptance because she had received the same complaints as Ms. Song many times beforeSurveysFor Ms. Song's experience, Jiannan BranchSympathy, but nothing can be done
Ms. Song naturally couldn't accept such an outcome, and she also realized that she had been involved in a oneShocking**。Ms. Song believed that Liang Li and Fan Liman were fraudsters, so she reported the case to the public security organs.
At the same time, Ms. Song also askedThe local banking regulatory commission in Hebei reported the Jiannan branch and demanded that the branch take responsibility for the loss of its deposits.
The Jiannan sub-branch repeatedly inquired into the corporate accounts of Ms. Song and other customers, and found that a huge amount of money had indeed been deposited at the beginning, but it was later transferred away by someone entering the password through the U shield.
Jiannan Sub-branch believes that it is also a victim, and in order to protect its rights and interests, it has also reported to ** many times.
After receiving the report, the public security organs quickly arrested the suspects Fan Liman and Liang Li. After a rigorous interrogation, Fan Liman and Liang Li confessed to the fact that they had illegally transferred and occupied a huge amount of other people's property.
The initiator of the whole case is the Jiannan BranchstaffFan Liman andA real estate development company in Hebeiof the person in chargeDong Zexia
It turned out that at the beginning of Dong Zexia's establishment of the real estate development company, she did not attract enough venture capital and the registered capital was not enough, so she conspired with Fan Liman to collect deposits through high interest ratesStealingCustomer's deposit.
After the customer deposited a huge amount of money, Fan Liman transferred the money to Dong Zexia through U shield for useRegistration of the company and subsequent operation of the company
Dong Zexia and Fan Liman divided the huge deposit into three parts, and the interest to customers and the company's working capital accounted for only a small amount, and the majority was divided by them as stolen money.
Fan Liman found Liang Li, who worked in the bank, and pulled her to join the gang. Fan Liman promised Liang Li that once the transaction was successful, she would be given a high commission, and after tasting the sweetness for the first time, Liang Li couldn't help it, so she joined Fan Liman's fraud gang.
Later, Liang Li met Ms. Song by chance because of her business, and she regarded her as a new oneGoals, led her into the game step by step, and after bringing Ms. Song to the Jiannan Branch, Liang Li's task was completed.
After the incident, Fan Liman transferred Ms. Song's tens of millions of deposits, and Liang Li also received a high commission.
Since 2015, Dong Zexia'sReal estateDue to the poor operation of the development company, the capital chain was broken. So, Dong Zexia and Fan Liman conspired to defraud others again, and deceived a customerTwenty millionof deposits.
As of Ms. Song's report, the cumulative amount of crimes committed by Fan Liman's fraud gang is as high as 170 million yuan.
Dong Zexia, Fan Liman and Liang Li divided most of the money and used it for private consumption and investment, but fortunately, when they were discovered, most of the stolen money was not usedSplurge and waste
After the court's trial and judgment, Dong Zexia was sentenced to 13 years in prison and fined 5 million yuan, and Fan Liman was sentenced to 12 years in prison and fined 4 million yuan.
As an accomplice, although Liang Li was lucky enough to avoid prison, she was also sentenced to return all her illegal gains. This shocking serial fraud case has come to an end.
Shortly after the execution of the court's judgment, the Jiannan branch returned the recovered deposit to Ms. Song, who felt afraid that if the money could not be recovered, her company would be doomed.
At the same time, Ms. Song also regretted that she had done so muchLust for profit, only to fall into the trap of Fan Liman and others.
As the saying goes, there is no such thing as a free lunch. Ms. Song believed in the high-interest deposit business offered by the bank staff, but was tricked by the other party, and later recovered her deposits. However, not all victims were as lucky as Ms. Song.
Ms. Song has been crisscrossing shopping malls for many years, and she has never seen any strong winds and waves, but in the end, she was planted in the hands of two bank clerks. This also shows that it is necessary at any timeImprove the precautionary mentalitywithAnti-fraud awareness, don't believe that there will be a pie in the sky.
The so-called authorities are obsessed with bystanders, and when it comes to issues of interests, we must pay more attention and don't be carried away by **
In addition, the deposit and loan interest rates of Chinese banks are open and transparent, and if Ms. Song had taken the time to understand more, she might not have been deceived.
Finally, I would like to remind readers that we must improve our awareness of fraud prevention, **National Anti-Fraud Center APP, be wary of fraudulent text messages and fraud**, and be vigilant against new fraud methods in daily investment and financial management to prevent damage to interests.
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