Although the overall concept of the bank was introduced from the West, the earliest bank was also established in 1580 as the Bank of Venice, but during the Ming Dynasty in China, there was already a financial credit organization similar to a bank, and the bank, whether it was currency exchange, or deposits, loan business, etc., were similar to banks.
With the development of the times, in order to control the economic lifeline, carry out macroeconomic regulation and control, stabilize social prices and other factors, the banks that were originally scattered in the hands of various organizations and businessmen began to be controlled by the state, such as in China, the implementation of monetary policy, the supervision and management of financial institutions and the financial industry, and the macroeconomic regulation and control of the national economy of the first bank.
The Bank of Communications, China Construction Bank, Industrial and Commercial Bank of China, etc., which we are familiar with, are still state-owned banks managed by the state, although they are classified as commercial banks according to their nature. Under this, there are also national joint-stock commercial banks, as well as city commercial banks, and so on.
The predecessor of the city commercial bank was the urban credit cooperatives that appeared in the eighties of the last century, and later gradually transformed into today's city commercial banks in order to streamline management. Compared with large state-owned commercial banks, although there are many excellent banks such as the Bank of Beijing, most of them still have various problems, for example, what I will tell you today is a case of urban commercial banks.
Ms. Gao, from Ningbo, has been living with her husband in Dalian, Liaoning Province because of her business, and she has saved a lot of money in the business in the past few years. However, due to inflation, Ms. Gao did not dare to put all these assets in her hands, but wanted to make some investments and financial management to maintain the value of the currency.
But now the popular **, etc., Ms. Gao is ignorant, and she doesn't dare to rashly take a large amount of money to do experiments, and after thinking about it, she still thinks that it is more reliable to deposit in the bank.
Indeed, in the minds of the public, banks are backed by the state and are state-owned financial institutions, although the interest they give may not be so high, but they are reliable after all. However, as mentioned above, not all banks are state-owned banks, and those regional commercial banks are not directly controlled by the state, but will be supervised by the China Banking Regulatory Commission and other institutions, so individual local commercial banks are really not reliable.
Ms. Gao didn't know this, and when she expressed her intention to go to the bank to deposit money, a friend who usually had a good relationship recommended the Dalian branch of the Bank of Jilin, using high interest rates as bait, indicating that the bank's annual interest rate was as high as 2175%。
In fact, this interest rate is really not very high compared to some large state-owned banks, but Ms. Gao did not have an understanding of the overall bank interest rate, just thinking that if she saved 10 million, she would be able to get an extra 210,000 yuan a year later, so she was directly moved, and in May 2017, she handled the savings business at the Dalian branch of the Bank of Jilin.
In the face of the deposit business of up to 10 million, the service staff in charge of Ms. Gao naturally smiled, and all kinds of guidance were meticulous, so that Ms. Gao was satisfied to complete the deposit business.
During this period, Ms. Gao's husband actually had doubts about the deposit, thinking that the Bank of Jilin was only a regional commercial bank, and it was not appropriate to deposit all 10 million yuan; But Ms. Gao swore that her friend also saved money here, and her husband saw that Ms. Gao was so confident, so he didn't say anything more in the end, thinking that after all, no matter how good it is, it is also a bank, can he still cheat himself out of money? Unexpectedly, Ms. Gao's husband's worries were really fulfilled.
A year later, Ms. Gao, who saw the maturity of the deposit, happily came to the bank to withdraw money, thinking that she could finally get the money now, but she never expected that she not only did not have the interest of 210,000 yuan, but also could not withdraw the principal of 10 million yuan!
What is it like to deposit money in the bank but not withdraw it? Ms. Gao hurriedly found the bank staff for inquiry, but this time the staff's attitude was very different from when she deposited the money, and she said that three days after Ms. Gao deposited the money, she had signed a pledge guarantee, and the bank accepted the entrustment to pledge the money to a local real estate company.
But now the real estate company has a problem with funds, has not been able to repay the loan, the bank does not change the loan, then Ms. Gao's money will not be able to take out, if the bank to come out of the money will have to wait until 82 years later, that is, after the mortgage period of the funds.
What time is it after 82? It's 2099! To put it mildly, Ms. Gao is not sure that she will be able to live to that age, let alone according to this inflation rate, by 2099, how much purchasing power will the 10 million yuan have? Not to mention that the money is going to be used, why was it frozen in the bank for some reason?
According to the relevant provisions of the Security Law of the People's Republic of China, "the pledgor must enjoy the ownership or right to dispose of the pledged property in accordance with the law, and promise in writing to the bank to provide pledge security for the borrower." This point is specifically stipulated in Article 13 of the Measures for Loans Pledged by Individual Fixed Certificates of Deposit: "To handle a loan pledged by certificates of deposit, the lender and the pledgor shall enter into a written pledge contract, or the lender, the borrower and the pledgor shall enter into a pledge clause in the loan contract that conforms to the provisions of these Measures." ”
But now Ms. Gao doesn't know what this so-called pledge is all about, let alone what kind of loan she entrusts the bank to make, she hasn't been to the bank since she deposited money.
This means that the pledge guarantee of the Dalian branch of the Bank of Jilin is completely illegal, but the bank did not give Ms. Gao any reply at all, and Ms. Gao asked to see her power of attorney, and the bank delayed under various excuses; Ms. Gao found ** to go to the bank together, but was directly kicked out of the gate by the bank.
In desperation, Ms. Gao only found the CBRC to report the situation, and it was not until then that Ms. Gao found out that it was not the first time that the bank had problems, and in 2015, it was fined 450,000 yuan by the CBRC for inflating the scale of deposits and loans. After receiving Ms. Gao's feedback, the CBRC said that it would investigate and deal with this issue and would complete the investigation within 60 working days.
This deposit oolong not only gave Ms. Gao a wake-up call, but also a wake-up call to the masses, when going to the bank to handle business, you must investigate clearly in advance, try to go to a large bank, and you must pay attention to check the content of various documents when signing, don't accidentally sign the wrong thing, and regret it.