Text/Editing: Burst
"13 million, if you say no, it's gone, how can you live!"
In 2014, an aunt in Taizhou, Zhejiang Province, stood outside the bank and cried heartbreakingly, saying that she wanted the bank to pay the money.
In the face of the aunt's "vexatiousness", the bank reluctantly refused and said that the money was transferred by the aunt herself.
At the same time, another man appeared and claimed that the 3.3 million he had deposited in the bank was also missing.
Just when everyone was puzzled, nearly 6 banks in Hangzhou also had the same problem, and the amount of money that disappeared from the bank in just a few days was as high as 500 million.
After the police intervened, they found out that the mastermind behind the scenes was actually an aunt who was over fifty years old.
And how exactly did she manage to transfer such a huge amount of money?
(The content of this article is based on reliable sources, and is detailed at the end of the article)
At the beginning of 2014, Fang Defu, a man from Taizhou, came to the local Industrial and Commercial Bank of China, ready to withdraw his 3.3 million deposits from a year ago.
"Sorry, you don't have any money in this account anymore, you transferred it a year ago"
The words of the counter staff made Fang Defu instantly anxious, this passbook and password were only known to him, he had never moved, how could he transfer them.
Just as he was so anxious that he stomped his foot, the bank pulled out a remittance voucher with his signature on it.
And judging from all the procedures for the transfer, this process is compliant, and Fang Defu's 3.3 million was transferred to a woman named Qiu.
But Fang Defu denied the list, and the signature was completely different from his handwriting, and at the same time, Qiu had never seen it before.
The more he thought about it, the more wrong Fang Defu chose to call the police, and when he arrived at the police station, he found that he was not the only one who had lost the money in his account.
There is also an Aunt Yang who is also like him, who deposited a fixed term of 13 million in the bank a year ago.
"All my belongings were transferred by a woman surnamed Qiu!"
Aunt Yang was paralyzed on the ground, looking at the remittance voucher with her signature, and cried aggrievedly.
Looking at the two identical cases, the police confirmed that the two sums of money may have been illegally transferred by Qiu.
Just two days after intervening in the investigation, people came to the police one after another, and they also encountered the transfer of bank deposits.
They have the same experience in different places and banks, and the remittance objects are all Qiu, and the total amount involved is as high as 500 million.
At the same time, the bank revealed a message that the depositor automatically entered the password in the whole process of these transfers, otherwise there was no way to transfer out with just one remittance voucher.
But how did Qiu do it to get these depositors to voluntarily enter their passwords?
Judging from the surveillance at the time, the police found that in addition to Qiu, bank tellers were involved in the whole process.
In the video, Qiu came to the counter with a depositor and typed a statement, and the staff member Zhu who was sitting inside was Qiu's accomplice.
When making a statement, all the processes were correct, but at the moment of issuing the bill, Zhu swiped the passbook again.
At this time, she will ask the depositor to enter the password again, out of trust in the bank, most people will not ask why they have to enter the password, but directly enter the password.
That is, at the moment of password entry, the depositor's money has been transferred, and the whole process seems to be full of loopholes, but in fact it is not easy to make people suspicious.
After obtaining the evidence, the police arrested Qiu and her accomplices.
In Qiu's confession, we found out that she specially cast a huge net before committing the crime.
Qiu is 52 years old, a well-known businessman in the local area, because of a patented technology in her hand, so she made a lot of money by relying on this.
During the period of doing business, she has always had a good reputation and is even more generous to her partners, so many people have always been willing to believe her and help her with financing.
It's just that Qiu soon found that he seemed to be stuck in a dead loop.
During that time, the efficiency of the enterprise was not very good, but she did not find out in time, and there was little money left in her hands, but she owed a lot of bad debts because of it.
When she was about to face a reminder from her partner, Qiu decided to take a risky move, and if she wanted to fill the huge hole in her body, only the bank had the ability.
So Qiu contacted the intermediary and helped her buy off several bank employees, among which she promised that after the transfer was made, she would give the intermediary and the staff 10% of the profits.
At the same time, she also lied that the money was only temporarily transferred and loaned, and when the one-year period of these depositors expired, she would transfer it back within the specified time.
Because Qiu has a good reputation in the business world and a company behind her, all intermediaries and bank employees choose to trust her.
After getting rid of the bank's internal staff, Qiu set his sights on depositors.
They need to convince these depositors to deposit large amounts of money in the bank for a fixed term and only be able to withdraw them after a year.
How can you get these people to trust? Qiu had already thought of a countermeasure, that is, to tempt with a sufficiently high profit.
"I received a text message from a bank to deposit money into this bank, and there was a red envelope, and the red envelope was 12 points at the time."
All the victims in this case received similar news before withdrawing their bank deposits, as long as they deposited their money in their bank, they could immediately get a discount of 12%~15%.
In the face of such temptation, many people will choose to deposit their money, after all, the banks they deposit money in are the four major banks.
Many people have a deep trust in banks and feel that it is safer to have them than to keep them in their own homes.
Moreover, at that time, there were indeed many banks that offered higher discounts to depositors in order to compete for deposits, especially when the performance was rushed at the end of the year.
Therefore, this kind of high-yield thing, in everyone's opinion, is a normal operation within the bank, and they did not have too much doubt about it, so they chose to believe it.
When the intermediary comes to the bank with the depositor, he will take them to the corresponding counter, and after depositing the money, he will forge a remittance voucher with the depositor's signature.
In order to prevent the transfer from being discovered, Qiu also carefully asked the intermediary to sign a "six non-commitment agreement" for the depositor.
"No early withdrawal, no tax opening, no SMS reminder, no inquiry, no online banking, etc."
When this agreement came out, it was finally understood why after they transferred the money away, everyone only found out that their money was gone after a year.
After completing these operations, the depositor will immediately get the discount part of the high interest.
Looking at the money received, many people did not think too much about this agreement, after all, the bank is absolutely trustworthy in everyone's impression.
It's just that I didn't expect that banks can be trusted, but some people can't trust them 100%.
At the beginning, Qiu said that she was temporarily misappropriated, in fact, she did think so at first, but when it was really time to turn back, she found that she couldn't fill it in at all.
In fact, according to her interest sharing method, she simply can't fill such a big hole.
On the one hand, she needs to pay 10% of the fee to the intermediary, 10% to the bank staff, and the last depositor, who also gives about 12% discount.
In this way, for a million misappropriations, she will have to repay about 30% more money, which is difficult for any enterprise to bear.
When this "bank deposit disappeared case" caused a stir, it caused countless people to panic overnight, for fear that the money they had deposited in the bank would disappear like this.
It was also this year that the Ministry of Finance of the China Banking Regulatory Commission stopped subsidized deposits, but it is still difficult to eliminate the public's thinking about "whether the deposit bank is safe" for this incident.
At this moment, everyone is most worried about whether the missing money can be recovered, but judging from Qiu's account, the stolen money she has left is not enough to pay for the hole of 500 million.
In order to compensate these depositors as much as possible, Hangzhou Union Bank advanced more than 40 million yuan, reducing the losses of some depositors.
However, whether all the money can be returned to the depositor in the future still needs to wait for the police to do their best to recover the stolen money.
And among the whole thing, the most hurt are also these depositors who believe in the bank, some of them have all their money, but they didn't expect to be cheated in the case of such trust.
At the same time, this incident also sounded a warning bell for us, no matter where the news is sent, as long as it involves money, we need to be cautious and cautious.
There is no pie falling from the sky, and once you pick this pie up, you may fall into another trap.
Resources:
Legendary story: "The aunt found a bank loophole and stole 500 million yuan from the bank within a month, and the criminal police were dumbfounded when they checked it"
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