At the end of 2014, at the door of an agricultural bank in Ningbo, Zhejiang Province, an aunt cried bitterly at the reporter's camera, and said with grief and indignation: "Last year, I obviously deposited 13 million yuan in this bank, and when I came to withdraw money today, they told me that there was not a penny in the account. ”
The aunt was crying and making trouble, and the crowd walking around was attracted to her.
What everyone is curious about is whether this thing is true or not13 million from an auntWhy does money disappear when it is stored in the bank?Is the aunt lying, or is it a routine played by the bank?
Since the country has promoted urbanization, the policy of demolition and reconstruction has made groups of people rich, so that the popular saying later: do not envy the mandarin duck and do not envy the immortals, just hope that the house will draw a circle.
In 2013, Aunt Yang, who lives in Shaoxing, Zhejiang, is the object of envy of everyone, because her old house demolition money of 13 million has arrived.
This news made Aunt Yang happily close her mouth, so that we could only drool when we read it!What does the huge sum of 13 million mean in 2013, I think everyone is thinking about one thing.
If you keep this huge amount of money in the bank, how much interest will you have in a year?Is it that you don't have to struggle in this life, and you don't have to worry about food and clothing?
Aunt Yang had the same idea as us, she couldn't sleep at night with excitement, and she couldn't wait to put on her wings and fly to the bank to deposit the money for a fixed time, and then the annual interest alone would be enough for the family to eat, drink and have fun.
Aunt Yang's family lives in Keqiao District, Shaoxing City, and she is going to an agricultural bank in Fenghua District, Ningbo, more than 140 kilometers away.
After arriving at the bank, the aunt told the bank staff that she was introduced by a manager surnamed Wu and wanted to deposit 13 million in this bank.
Aunt Yang was excited at this time, because Manager Wu had told her that the interest rate of this bank for a one-year fixed deposit was more than 12%, and the 13 million would have nearly 2 million interest after a year.
However, Aunt Yang has always been cautious when saving money, because she also relies on relationships to get such a high interest rate.
Manager Wu told her that no one could know about this matter, because it was against the national competition regulations for the bank to give such a high return interest rate, but the bank's performance pressure was also very great, and it was forced to use some unconventional means. Therefore, when depositing, you must not open the SMS reminder business, and do not inquire within a year after depositing the money.
After these operations, although Aunt Yang was happy in her heart, she was very calm on the surface, after all, she promised Manager Wu that this matter would be kept secret.
Since saving the 13 million, Aunt Yang has been counting the days every day, and every time she tears off a page of the calendar, her mood is more urgent, and she can't wait for her eyes to blink, and a year will pass.
Time will not stop, and with Aunt Yang's full expectation, she finally waited for this day.
At the end of 2014, her children and grandchildren all called ** and said that they would come back to accompany her for the New Year this year, and she happily said in **: "You all come back, and I will give each of you a big red envelope when the time comes." ”
Early the next morning, Aunt Yang hurriedly washed up, and then took the car to the bank 140 kilometers away with excitement. Because Aunt Yang set off before dawn, when she arrived at the bank, the staff had only been working for a short time, and it was Aunt Yang's turn to withdraw the money after a while.
The bank staff smiled, and she asked Aunt Yang what business she needed to handle.
Aunt Yang handed over the passbook and said, "I'll withdraw the money, can you check how much money is in my card now?" ”
After some operation, the bank staff smiled and said, "Auntie, you don't have a penny in your account." ”
Aunt Yang smiled when she heard this, "You check again, I saved 13 million, how can I not have a penny." ”
The bank staff also felt that the aunt in front of them was joking with herself, how could she have saved 13 million if there was no penny in this account? However, with the rigorous attitude of serious work, she reconfirmed, and the result was that there was not a penny in the account.
Aunt Yang was anxious when she heard this, she got up from the chair and scolded: "Aren't you talking nonsense, I only saved 13 million last year, and then told me that there is a small interest of two million, so now there should be almost 15 million, how can there be no penny!" ”
Aunt Yang's voice attracted the attention of the bank manager and many people, and everyone came over to persuade her, did Aunt Yang remember wrong? Is it possible that all this money is kept in other banks?
Aunt Yang took the passbook in her hand and cried aggrievedly: "I'm not mistaken, it's this bank, which deposited 13 million last year, and you look at the deposit records on this passbook." Now that it's time for you to say you don't have any money, I think you think I'm old and easy to bully, right......”
Aunt Yang said that the whole person sat on the ground and cried and made trouble, after all, this money is not a small amount, the whole 13 million is gone, and she feels that the sky is falling at this moment.
The staff of the bank hurriedly came over to help, they also understood Aunt Yang's feelings, and knew that Aunt Yang was not lying, but similar situations have happened several times recently.
After listening to Aunt Yang's story, they all accused the bank of deceiving consumers, how could the money disappear for no reason?
At this time, someone reminded Aunt Yang that whoever asked you to deposit in this bank should go to whomever you wanted.
Aunt Yang was like an empowerment when she heard this, and her heart suddenly seemed to have grasped a life-saving straw, so she quickly took out her mobile phone and called Manager Wu, but after calling a few times, the one on the other end always prompted: "I'm sorry, the number you dialed is down." ”
Aunt Yang didn't believe it, she had contacted her before, and the other party said that there was someone around her who needed a deposit, so she introduced him as an intermediary.
In Aunt Yang's opinion, since Manager Wu is from the bank, she must be able to help herself prove that she did save 13 million last year.
At the moment when ** couldn't get through, Aunt Yang really panicked, she shouted with tears in her eyes, hoping that someone could make decisions for herself, ** over and over again, hoping that Manager Wu could get through**, she even hoped that she didn't want a penny of interest, and only asked the bank to return 13 million to her.
Normally, when this happens, the bank staff should be a little panicked and immediately start to investigate and deal with this matter, but they let Aunt Yang cry, but they didn't pay attention to it, just let people help Aunt Yang up and don't catch a cold on the ground.
The lobby manager of the bank saw that there were more and more onlookers, so they immediately evacuated everyone, and then said to Aunt Yang that she should calm down first and not get tired.
Later, after the reporter arrived, the bank staff were also very helpless, they said that this was the fourth time this month that such a situation had happened, and the previous few people had the same experience as Aunt Yang, who all deposited money in the bank, and then came to withdraw money only to know that there was not a penny in the account.
The lobby manager told Aunt Yang and the reporter that they had already reported to the police, and the matter had to wait for the police to come and deal with it, because it was likely to be a criminal case.
Aunt Yang was tired of crying, and after being helped to a chair and sat down on a chair, she waited for the police to come.
After receiving the alarm from the bank, the police comrades rushed over as soon as possible, and they first calmed Aunt Yang's emotions, and then asked the other party about the whole thing.
It turned out that Aunt Yang's experience was similar to that of the previous victims, they both met a bank staff member who called himself "Manager Wu", and under the introduction of the other party, the victims all went to Fenghua, an agricultural bank, and then handled business at a fixed window.
And this manager Wu just grasped the weakness of people's greed for cheapness, and then promised to deposit more money, and the more interest rates they had, to induce these victims to save more money. They are worried that the victim will be suspicious, so they will warn the other party that this is an internal means of the bank, and it is very rare to get this place, and they can't let more people know about it, and they can't even open the SMS reminder business, and they can't check the bank before the deadline expires.
The police comrades very patiently inquired about Aunt Yang's situation, and learned that Aunt Yang had come to the bank alone, and her family did not know about it, and the bankbook had not been lost in the past year, so it was impossible for someone to transfer money or steal it in the middle of the way.
After the victim's situation was clearly understood, the police comrades asked the relevant personnel of the bank some more information, and finally obtained an important clue, that is, the bank has never had a field clerk, let alone an activity with such a high rate of return, after all, these are illegal for the bank.
So who is the "Manager Wu" that Aunt Yang said? How did the 13 million deposit business that was obviously handled at the bank window disappear?
Next, ** conducted an investigation into the victim's account flow, but unexpectedly there was a major discovery.
All the victims' bank account flows have one thing in common, that is, within a few seconds after the victim deposited the money into the account, the money was transferred to the account of a woman surnamed "Qiu". Because the victim was told by the "Manager Wu" before handling the deposit business that he could not open the SMS reminder business, let alone check the accounts during the middle of the process.
The idea of these victims is also very simple, it is impossible for such a large bank to deceive people, and the money is handled by them in person at the bank counter, and their passbooks are displayed on the account records, as long as the passbook is kept, the money will not disappear.
After the police comrades sorted out the whole process, in addition to finding that "Manager Wu" was very suspicious, another suspicious person also slowly surfaced.
As we said earlier, "Manager Wu" asked these victims to go to the designated window to handle business, so the staff who handled business at this window must be a little suspicious.
So the police comrades asked the bank to access the surveillance video from a year ago, and finally found a clue. At the beginning, these victims who made deposits in the bank and the employees who handled their business were all handled by a "Zhu".
After a detailed investigation, it was found that Zhu's operations when he began to handle business were normal, and after the funds were counted and transferred to the victim's account, the data on the passbook was printed, and then she would open a transfer page on the computer, and then scan the passbook one more time when the customer was not paying attention.
At this time, the system will prompt the customer to enter the password again, and the customer is not familiar with the bank's operation process, and will think that it is the confirmation of the deposit password, so there will be no suspicion at this time.
In fact, what the customer entered at this time was not the password confirmation, but the transfer password, when the password was entered, the money was directly transferred to the account of the "surnamed Qiu" woman, and everything was unaware.
Through investigation and multiple evidence collections, ** quickly locked down the suspects "Wu" and "Zhu". Zhu is a working employee of the bank, and this person was quickly controlled by **, and the Wu in the victim's mouth has no other clues except for a few oral statements from the victim, so where is this Wu sacred?
On the other hand, ** is also certain, the money of these victims was transferred to the account of the woman surnamed Qiu, so the whole incident should be inseparable from the woman surnamed Qiu.
Subsequently, ** conducted an investigation of those detained people involved in the case, and finally made a major discovery.
It turned out that a year ago, the woman surnamed Qiu got in touch with many banks in Zhejiang as a businessman, and she promised to bring a large amount of money to the bank to store, and the staff who handled it could get a 10% commission on the funds. However, there is a premise for this matter, that is, after the funds are deposited in the bank, they must be borrowed from her for a year, and after a year, these funds will be returned with interest.
Perhaps in the eyes of these bank staff involved in the case, the funds are only temporarily used by the other party for one year, and the other party will return them after one year, and the customer will not lose anything, and they can also get a high commission as middlemen, and this risk can still be tried.
It's just that what they didn't expect was that after the one-year period, the money promised by the woman surnamed Qiu was not returned to the bank, and at this time, those victims were full of expectations to withdraw the high interest on their deposits, and finally found that their accounts were empty.
In the end, with the unremitting efforts of **, 9 criminal suspects led by "Qiu" were successfully arrested, and the mysterious "Wu" turned out to be a middleman who pulled business in the middle, and their task was not only to pull customers, but also to make customers believe in the bank, not to handle SMS reminders and halfway audits.
Of course, a middleman like "Wu", their return is also 10% of the capital, which can be described as very tempting.
The whole incident has ended here, but everyone should still be concerned about one question, that is, can the victim's money be recovered?
After the joint efforts of ** and relevant departments, more than 50 million stolen money was finally recovered, of course, this is not the full amount of the victim, because many suspects have already secretly transferred the funds.
Should the victim bear the loss in this case?
According to Article 6 of the Tort Liability Law, an actor who infringes upon the civil rights and interests of others due to his fault shall bear tort liability. Where it is presumed that the actor is at fault in accordance with the provisions of law, and the actor cannot prove that he is not at fault, he shall bear tort liability.
Therefore, the bank has the obligation to ensure the security of the user's deposit account, and in the case of the above-mentioned victim, the bank needs to bear the liability for compensation if the deposit is lost due to the bank's reasons.
So Aunt Yang's 13 million was finally obtained, but the mental blow she suffered could never be made up.
Maybe for Aunt Yang, she is very lucky and content to be able to recover her 13 million, but have we ever thought that if we were not greedy at the beginning, would such an unwarranted disaster happen?
After this incident was made public on the Internet, some netizens ridiculed: "I want to have 13 million, and I will never covet that interest." ”
In fact, this is a sour sentence, which is easy to say, but when this matter really falls on your head, I think many people will be deceived like Aunt Yang.
There is a good saying, "The human heart is upward, so the human heart will never be satisfied; Human nature is downward, so human nature can never stand the test. ”
Although Aunt Yang has a huge sum of 13 million, when the high interest is in front of her, she still can't resist the lure of those money. Similarly, those bank employees involved in the case, as well as the middlemen who pull the business, are also difficult to resist in the face of high commissions.
In this regard, I would like to say that there is nothing wrong with liking money, but we should always remember the old saying, "A gentleman loves money and takes it in the right way".
Finally, I would like to remind you that due to the recent international tensions, oil has fluctuated greatly, and many criminals have used international plates to let everyone fry **, soybeans and other **products.