Why would someone get fake money at the bank counter?

It is my personal experience to take out fake money from the bank ATM, but that was a few years ago! I took 654.38 million from the ATM, of which 400 yuan was counterfeit! Then I went to the bank staff and said that I had got the counterfeit money, but the bank staff refused to admit it. In the end, I can only admit that I am unlucky, just as this 400 yuan fell and ate a dumb loss!

Why did you withdraw fake money from the bank?

Personally, I think the biggest reason is that banks have deposits! Depositors go to the bank to deposit money, which is checked by the bank staff verification machine and verified repeatedly. If there is counterfeit money, it will be identified soon, so the probability of depositors taking counterfeit money to the bank is zero!

Bank staff will pack and seal the depositors' money every day, then transfer it to the head office, and finally assign the money carriers to various outlets. From this process, only two kinds of people have access to these RMB, one is bank staff; The second is the currency carrier, and the problem is estimated in these two links.

Therefore, it can be concluded that the biggest reason for taking out fake money from the ATM of the bank is that the bank has a ghost who switches the fake money with the real money, inserts the fake money and puts the real money into his pocket; Another reason is that cash trucks also have the opportunity to put counterfeit money in by changing packages and take out real money and put it in their pockets.

The bank's withdrawal of counterfeit money is not a case. I believe that many people in the country have encountered this situation, but in the end they can't find the real reason. Therefore, it is the depositors who are injured, and they can only admit that they are unlucky when they take counterfeit banknotes. However, with the strict supervision of banks in recent years, money detectors can record less and less RMB before taking out counterfeit money from banks.

After reading the praise, I am rich. Thank you for reading and paying attention.

Let's talk about a real experience first.

Many years ago, in my short career as a cashier, this almost happened. I remember one morning, a man came in a panic to deposit 8000 yuan. After finishing the business, I suddenly found that the money counter was accidentally touched by the key and turned into a counting function, that is, only counting, not verifying the authenticity. At that time, I was still thinking that I would not be so lucky if I received counterfeit money. At noon, Sun Jie, an authorized official, came to inspect the warehouse as usual. Sun Jie is an old scoundrel. He counts money quickly and accurately, and finds out counterfeit money at once. Because of her good personal relationship, Sun Jie told me that this number is quite special. Do you want someone to change it? I took a closer look and immediately understood. I asked my family to take money out and destroy it. As a result, in the afternoon, the person suspected of depositing counterfeit money came to deposit the money of that morning again. This time, the money detector worked normally, and another counterfeit money was found, which was confiscated according to the regulations and issued a certificate for it.

The purpose of this story is to show that in extreme cases, it is possible to get counterfeit money at the counter, just like in my story, if someone comes to withdraw money when receiving counterfeit money for the first time that day, then that person will get counterfeit money.

But overall, this probability is too low. First, when the money detector doesn't work normally, or the money detector doesn't find counterfeit money, it is required to check the status of the money detector at any time, and there will be obvious hints. Manufacturers of money detectors usually upgrade new technologies to prevent counterfeit money. Secondly, the money detector didn't find it, so the counterfeit money was deposited and paid before the manual warehouse search. Generally speaking, banks have an unwritten rule that it is not easy to collect money that day. Nowadays, both the cash counter and ATM machines have the function of recording the crown number, that is, the number of each banknote will be recorded, and it is easy to trace back where the money came from. Some people think that it is easy for bank insiders to steal counterfeit money. I don't think anyone will take a risk for a few hundred dollars.

So I dare not say that it is impossible for 100% to take out counterfeit money in the bank now, but 99% has been switched or made a mistake in other channels.

If this happened 20 years ago, or even 65,438+00 years ago, Peng Kun's theory holds that it is very unlikely to happen this year.

A few days ago, Kun Peng's family was also talking about it. He took 100 yuan of fake money from the bank. Old people are used to spending cash. For convenience, they will withdraw thousands of dollars from the bank every time, and then go to get it after spending it. As a result, the withdrawal ended, and there was a problem with one hundred yuan. I didn't know at the time. When I paid, people said you should change it, only to find that there was something wrong with the money.

From all aspects, it is the bank's problem, because the money is taken out of the bank and there is no other channel.

Peng Kun's theory requires them to have a good memory. When they bought something, did they have such an experience? After paying the money themselves, on what grounds did the other party return it?

Later, I remembered that I had handed it in 100 when I bought food. After the seller received the money, he said he couldn't change it, asked if he had any change, and returned 100 yuan. Later, I chatted with other elderly people in the community, and my family knew that it often happened that you changed real money into fake money in the nearby vegetable market. Because the process is very short, and 100 yuan has returned to his own hands, no one carefully looks at whether the paper money paid is the same as the paper money received.

This real experience is just one of many cases in which banks get fake money.

Let's talk about the bank taking counterfeit money. At present, bank money detectors can not only check the authenticity and count the number of banknotes, but also record the crown number of banknotes. The crown number is the identity card of the banknote, and the crown number of each banknote is different.

By recording the crown number, you can know when and which banknote was received, and then it is easy to find out the source of this banknote. Or conversely, Dallas goes to the auditorium, so if you really doubt that you can take counterfeit money out of the bank, take it out and check it carefully. Even if you take it home and find it is counterfeit, the bank can find it.

As for the bank staff playing tricks on themselves, unless he is crazy, now the bank has an omni-directional camera with no dead ends and a perfect tracking mechanism. It is even illegal to lose his job for one or several counterfeit coins, and the input and output are too disproportionate.

Hello everyone! I am Longmenshan Finance, focusing on the observation and analysis of bank finance and social security.

If time goes back 20 years, it really could happen! Because at that time, the internal management and technical prevention level of banks was still very low. Now some people say that they get fake money at the counter. This credibility is too low.

Let me talk about the source of "fake money" first. There are three sources of cash in bank outlets: employees carry it privately, superiors allocate it, and collect it outside the counter. Anyone with a little common sense knows that bank tellers must first wear standard work clothes, and it is strictly forbidden to wear their own casual clothes; Secondly, you can't bring personal belongings to the work area, especially the cash area, even personal belongings such as wallets, mobile phones and bank cards. There are rules and sanctions.

For the cash transferred back by the superior bank, the superior bank must count it by itself before allocating it to the outside (including the issuing outlets and the central bank's treasury), and affix the name stamp of the handler (2 persons) for binding, as a symbol of investigating and handling the responsibility. Secondly, all outlets should count the funds allocated by the higher authorities before using them, and then distribute them to tellers or load them into AT M.

As for cash received outside the counter, it must be identified by a high-precision money counter. If the machine can't recognize it, it needs manual recognition. If you are really uncertain, the teller will ask the customer to replace it, and all the counterfeit money will be collected according to law. This is the basic process of getting cash outside the counter. If the teller's cash box is redundant and needs to be handed over to the competent cashier, it must be tied up, signed and sealed, including circulating banknotes and damaged banknotes, leaving traces of accountability.

As can be seen from the above sources, banks have formed a relatively scientific and rigorous closed loop in preventing counterfeit money from entering the circulation field, and counterfeit money has almost no chance to enter the bank. So it is almost a legend to get fake money at the counter.

Then why would someone say that? As the saying goes, if one person tells a lie, one hundred people will tell it and it will become true, and it is very likely to be passed down. Longmenshan Finance has been in charge of outlets for many years and has personally handled many similar incidents. To sum up, there are two main phenomena. First, do not rule out bank fraud, walk out of the bank for a few hours, or even come to the bank a few days later and say that you have got fake money. What did the cashier do during this time? We don't know and don't want to belittle others; Another situation is that although the cashier has no subjective intention, his money has been exchanged by "good people". In fact, he doesn't know. He was cheated and kept in the dark.

As we all know, banks are now equipped with banknote crown number recording equipment. Whether it is the cash flowing out of the counter or the M place, the RMB crown number is left. The crown number is the identity number of paper money, which is unique for each paper money issued by the central bank. This investment in financial technology equipment has undoubtedly played a role in maintaining fairness and justice in the fight against counterfeiting and fraud. Let those who dare to take risks show their true colors, and let the bank overlord clause that "cash is not responsible for leaving the cabinet face to face" no longer stand high.

Well, legend is always a legend, even if it is a hundred years, please don't be serious. Seriously, you lose. Let's call it a day. Continue to pay attention to Longmenshan Finance and share wonderful financial knowledge with you every day!

Judging from the current equipment and technology, the probability of encountering this matter is probably zero.

The bank's cash mainly comes from two aspects: first, the superior transfers; The second is to receive depositors' deposits.

The amount of funds operated by a bank outlet has an approximate figure (for example, 2 million). If the amount exceeds this figure, it must be handed over to the superior. Below this figure, it is required to be assigned to the superior.

When the cash in the outlet is handed over to the superior, it must first be checked by the money counter itself (because the number is wrong, it will be deducted or even fined), and then compressed into bundles and handed over to the superior. Upon receipt, the superior department will unpack the package, re-count it, and then re-compress it into bundles and distribute it to the required branches.

That is to say, the branch must count the funds transferred from the superior at least three times (twice when collecting money and once when handing over), once in the branch vault, and once in the demand branch; Five counts, four money counters. It may be that one money counter has failed, and the probability that four machines have failed at the same time basically does not exist.

Banks buy money counters, which are generally the most advanced in the market. They have been used for more than a few years, and no matter how good or bad they are, they will be replaced again. When receiving depositors' funds, it is required to pass through the money counter twice (once on the front and once on the back). Once the money counter gives an alarm, it needs to be manually checked by bank employees again. So the probability of counterfeit money is extremely low. Of course, extremely low does not mean that it does not exist. There may be tellers who are unfamiliar with their business or are not careful, so they just take it in.

Once the teller receives it and seals it, some people will hand over the money without recounting it according to the regulations, which is why they sometimes receive counterfeit money.

PS: At present, the money counter can record the crown number, and even if you get counterfeit money, you can go to the bank to change it.

Some people will say that it is also possible that the teller or the staff of the banknote clearing center brought it in for replacement. Indeed, this possibility is not ruled out, but it is a great adventure. Not to mention that many banks do not allow employees to carry wallets, bags or even mobile phones into business halls and vaults; High-definition displays alone are daunting. The monitoring of banks is not only carried out by the supervisor, but also by the retail department and accounting department. Once discovered, the replacement's whole career will be ruined, so no teller will do this under normal circumstances. After all, they often walk by the river, how can they not wet their shoes!

The probability of getting fake money at the bank counter is low, but it is not impossible, just as the bank counter may give you more or less cash. Bank tellers are human beings and make mistakes.

Bank money has to be counted by money detectors and tellers, and counterfeit money has nothing to hide after several cycles, so it will be kept secret anyway. So, will employees in the bank leave fake money? The probability of this is not great. You know, there are cameras everywhere in the bank. If you gamble on your career for a little money, I doubt how such an IQ got into the bank.

The money detector can now record the crown number when counting, but the machine will make mistakes and there is a possibility that counterfeit money will get away with it. Tellers are not always focused, so counterfeit money will flow out of the counter. But if you get fake money, don't panic. The source of this bill can be checked according to the process.

As for me, I didn't get the counterfeit money myself. On the contrary, when I went to deposit money, the bank put an extra 0 in my account. Later, the staff contacted me urgently to correct the mistake.

Before 2000, there were cases in which banks got fake money. Many depositors got fake money in the bank, and I also got it, so I can only "recognize". But in recent years, the probability of getting counterfeit money can be said to be getting lower and lower. Both bank ATMs and cash withdrawals have a "crown number", which is the identification number on the coin. Even if you get fake money, as long as it is true, you can exchange it at the bank. Many depositors, in order to avoid trouble and because banks don't handle this kind of thing, can't say for sure. It's just their own guess. They have not actually encountered or dealt with this kind of thing, and they don't know the degree of recognition of coins in the banking system now.

So there are cases of getting fake money at the bank counter, and there were many more than ten years ago and twenty years ago. Because the monitoring and management system at that time was not perfect, people with bad ideas had an opportunity. However, banks, ATMs and cash trucks now have cameras, and even the "crown number" of currency operation is recorded. There is no way to exchange fake money for real money and make small moves. With better management, the whole process monitoring and channel monitoring can be realized.

Of course, there is a situation to be ruled out, that is, counterfeit money that can't be detected by the money detector, such as "composite money", that is, money that combines important parts of real money with counterfeit money. This situation may exist. This situation is flawed and there is no way to distinguish it well. However, even if you get such a coin, you can exchange it at the bank where you withdraw the money with the crown number. If you don't change, you can also call the police for help.

Under normal circumstances, counterfeit money will not be taken out from counters and ATM machines, and the probability is extremely low.

The image of this bank has been excessively demonized by the media. As soon as there is negative news, it will fall as soon as it hurts, gloating. The price received from the bank counter will be magnified countless times. In fact, this probability is quite rare.

The bank's cash probably comes from two places: first, the deposits in daily banking business and the payment and settlement of depositors; A cash transfer in the vault.

In any bank, the amount of cash exchanged every day ranges from hundreds of millions to hundreds of thousands. It is impossible for every bill to be identified by a teller, and most of them are verified and counted by a money counter. After many technologies for making counterfeit banknotes have gone up, the old money counter technology can't keep up, and there is a situation of identification error. So counterfeit money appeared in the bank.

Moreover, bank tellers will inadvertently flow into the bank due to personal negligence in their work. But the chances are slim.

If the cash is transferred out of the vault, it will be verified more than twice when leaving the vault, and then verified by the teller when going out for circulation.

If the money is deposited by the depositor and then circulated, it must be checked and verified by the money counter at least twice.

If after so many times of repeated verification, the customer still receives the counterfeit banknotes from the bank, is it not responsible for leaving the counter? When customers receive counterfeit money, they can get remedies.

According to the current regulatory requirements, every bank's money counter must have networking function and be equipped with a crown number. This also means that every cash deposit and withdrawal will be recorded. As long as you enter the crown number of the counterfeit banknote, it will show when the banknote was issued, who told it and which machine counted it.

Therefore, if you receive counterfeit money and take it back to that bank, the bank staff only need to verify the crown number. If it really flows out of this bank, the bank will compensate.

Even if the bank takes back the counterfeit money, it needs the bank to issue a receipt certificate, which will also write the crown number of the counterfeit money, and the depositor can also apply to the local people's bank for banknote inspection and review.

Many customers may worry that when looking for a banking theory, the bank will not verify it on the grounds that the money counter is damaged. In fact, don't worry, these devices can't work normally if they are damaged. If the supervision department finds that the equipment is damaged, it will be fined more than 65,438+million yuan and its business license will be revoked.

If the money counter can't update its manufacturing technology, according to the prior agreement between the bank and the money counter company, the final loss will be borne by the company that manufactured the money counter.

The bank's money counter should be constantly updated, and the software and hardware should also be updated, and the faults should be checked regularly. So the money counter rarely makes mistakes.

It is also possible to get counterfeit money at the bank.

1, a new teller, is not familiar with the operation, and is likely to receive counterfeit banknotes by mistake, and then pay the received counterfeit banknotes, and the counterfeit banknotes will circulate.

2, a conscientious teller, skilled in operation, used bank loopholes to change his counterfeit banknotes into real banknotes, so that counterfeit banknotes can circulate.

About 20 1 1 or 20 12, the People's Bank of China forced all bank counters and self-service machines to open the crown number recording function, which means that every banknote processed by the bank will record the number and the record will be uploaded to the central bank server.

If you get counterfeit money, you can go directly to the bank and ask for the crown number to confirm whether to take the counterfeit money out of the counter.

Judging from the so-called situation that all kinds of ATM machines get counterfeit money in recent years, the final investigation result is that most of them have changed to blackmail banks, and the probability of getting counterfeit money normally is extremely low, and usually there will only be one, which is likely to make mistakes compared with anyone and machines. What? A person takes thousands of dollars, and there are more than a dozen counterfeit banknotes, 99% of which are artificially changed.