Bank deposits are frequently lost, can I still trust you?

No SMS reminder, no phone call, but the deposit in the bank account is gone. According to the police and the banking supervision department, there have been frequent cases of "missing" deposits in Zhejiang, Henan, Anhui and Hunan recently. A single "missing" corporate deposit is as high as 350 million yuan, and the unrecovered personal deposit is nearly 50 million yuan. This makes many citizens very anxious: what is this? Is my money in the bank safe? Where should I invest my money in the future?

It is a tradition of China people to deposit money in the bank, which is also considered as the safest place. As the country with the highest savings rate in the world, household deposits are the main asset form of 430 million households. It is reported that by the end of 20 14, the balance of various deposits of financial institutions in China has reached 1 16 trillion yuan. Frequent "flying away" incidents of bank deposits in Zhejiang, Henan, Anhui, Hunan and other places have caused people to have doubts and helplessness about the most "safe" industry in their minds.

They will ask: Bank, can I trust you again? Can I love you again? ...

situation

The frequent loss of deposits is shocking.

According to various media reports, since last year, the deposits of individuals and enterprises in banks have been "disappearing":

Mr. Park, a Korean who is engaged in auto parts business in Shaoxing, Zhejiang, has never left his bank card. At 65438 on June 6 this year, he suddenly received a text message on his mobile phone. At 8 o'clock in the evening, Cary was brushed away by 370,000. After verification, it was transferred by a POS machine in Shandong. The bank said that it is possible that Mr. Park's bank card information and password were stolen. At present, the police are investigating.

On June 65438+1October 10, LU ZHOU LAO JIAO CO.,LTD Co., Ltd. announced that it found that the deposit of 350 million yuan in Nanyang Zhongzhou Branch of ICBC was "abnormal".

At the end of 20 14, Mr. Liu from Yiwu, Zhejiang Province went to an agricultural bank in Fenghua, Ningbo to withdraw money. Suddenly, he found that the 2.5 million yuan deposited here a year ago had disappeared, leaving only 4 yuan money on the card. The bank said that this is more complicated, and it can't be made clear in order to solve the case conveniently.

20 14 10 The deposit of LU ZHOU LAO JIAO CO.,LTD Co., Ltd. in Shaxinying Sub-branch of Agricultural Bank of China1500,000 yuan has disappeared.

At the beginning of 20 14, Mr. Zhang, a depositor of a city commercial bank in Hangzhou, Zhejiang Province, found that there were only a few dollars left in his account of more than 2 million yuan. According to the police in Xihu District, Hangzhou, the case involved 42 depositors of a number of commercial banks, with a total of 95.05 million yuan of deposits "missing".

In fact, the disappearance of bank deposits is nothing new:

In 2005, Hu Mou, a citizen of Hengyang City, Hunan Province, deposited150,000 yuan in Baishazhou Sub-branch of Hengyang City, Hunan Province, Industrial and Commercial Bank of China, and soon only 600 yuan was left. After investigation by the public security organs, the three suspects in the fraud case included the younger brother of the president of the branch. The criminal suspect forged the company seal left by the depositor in the bank, and successfully exchanged the seal at the bank and took away tens of millions of deposits.

In 2008, depositor Zhang deposited 9 million yuan into Jiangsu Yangzhong Sub-branch of Industrial and Commercial Bank of China. After the deposit expires, it is found that it has been transferred by the banking department owner to pay off personal debts. After six years of litigation until 20 14, the court of second instance found that the bank was not at fault.

20 1 1 in April, Zhao Nvshi of Shenyang, Liaoning Province deposited100000 yuan in Xinglong Street Sub-branch of Panjin City, Liaoning Province. A month later, she found that there was only 1 yuan left in her account.

In addition, on June 23, 65438, the media reported that a fake bank in Nanjing called "a rural economic cooperative in Nanjing" lured citizens to deposit at a high discount. In just over a year, nearly 200 people were deceived, involving nearly 200 million yuan.

After reporting the loss of deposits, depositors are thinking about whether these lost deposits can be recovered. The lawyer interviewed by a well-known media reporter in the previous report said that "it is almost impossible ..." Online and offline have been encouraged for some time. People exclaimed: Is the bank still reliable? We've worked so hard to save our hard-earned money all our lives and it's gone?

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cause

There are many ways, so let's take a look and pay attention.

Whose responsibility is the deposit "missing"? Will the depositor's claim go away?

According to the local police investigation, 42 depositors in Hangzhou lost 95.05 million yuan in deposits, and the bank involved was Hangzhou United Bank. Zhu Chaoju, the former head of Wen 'er Branch of Gudang Sub-branch, is the "inner ghost" who caused the disappearance of 42 depositors' deposits. Before the incident, Zhu Chao took the initiative to assist criminals to falsely use the name of the bank, and was responsible for forging a letter of guarantee stamped with the official seal of the bank, claiming that he could provide a "discount deposit" with one-time interest of 13% in advance. When the depositor came to the designated window to deposit, Zhu Chaoju took advantage of the depositor's unprepared, opened the transfer interface, asked for multiple passwords, and transferred the deposit to his associates' accounts to divide up the stolen money and goods.

At present, more than 50 million yuan of deposits have been recovered, and the remaining gap will be paid in advance by Hangzhou United Bank.

During the interview, many bankers said that the "loss" of deposits is closely related to this "discounted deposit".

According to an insider, there are two kinds of discount deposits, one is "sunshine discount". In the case of insufficient bank loan amount, some enterprises that meet the qualification requirements of bank loans get loans, and the interest is paid by the enterprises. In this case, the depositor's money is not affected; The other is "non-sunshine discount", that is, enterprises that are not qualified for bank loans discount their deposits. At this point, after the deposit is deposited in the bank, it will be transferred to the enterprise account. If the enterprise fails to repay the principal and interest, the depositor will find that the money in his bank account is "missing".

According to police statistics, there are many ways for deposits to disappear. Let's list them and remind our people:

-"The Ghost"

Criminals collude with insiders inside and outside the bank to trick savings deposits with high interest rates, and then steal depositors' deposits for profit.

-Deposits become "insurance policies"

When many citizens deposit, bankers will "fool" you into high-interest deposits, pay dividends at the end of the year, and turn deposits into insurance, funds and other products.

-Information leakage, system defects The "disappearance" of deposits is closely related to the defects in the bank ticket system, or leads to the disclosure of depositors' information, which does not rule out man-made leakage.

Reminder | Take precautions and be vigilant.

The loss of deposits is worrying. Many citizens have lost their minds, and the most trusted and safest banks are no longer insured. How can there be a better industry? Many citizens have appealed that banks should undertake the obligation to protect depositors' deposits and create a good deposit environment for everyone.

"I really don't know what to do with this money in the future." Ms. Ma is very confused. Putting money in the bank is the safest way for people to save, but now "I can't trust the bank any more".

According to media reports, Wang Zhaoxing, vice chairman of the China Banking Regulatory Commission, said that the CBRC has paid attention to this matter, and the specific reasons and circumstances are still under investigation. According to national laws, banks are obliged to protect the legitimate rights and interests of depositors. No matter what happens, banks must strengthen their own management in their daily operations, effectively prevent all kinds of criminal acts against depositors and protect the safety of depositors' deposits.

So, how to prevent deposits from disappearing? A banker reminded that citizens must first have a sense of security. Deposits must be made within the bank's business hours. Don't disclose any personal information to strangers easily. Don't easily accept the promotion of so-called high-interest products by bank staff, especially some forms of deposits that promise high returns and high dividends. Stay alert and ignore them. However, financial institutions should further improve their own security measures, including the establishment of rules and regulations, the supplement of loopholes in the security system, and the prevention of technical or institutional loopholes. At the same time, we should also strengthen the professional education and moral education of bank personnel and enhance their awareness of legal responsibility.