Not only individual investor buys product of conduct financial transactions by " flying sheet " , also meet even bank orgnaization. The report of a criminal that court of people of division of Chongqing change north published a few days ago shows, bank of merchant of short for Zhejiang Province purchased value in all product of 800 million yuan false conduct financial transactions.
Interesting is, bank of merchant of short for Zhejiang Province did not detect all the time product of this conduct financial transactions has a problem, can come till silver-colored inspect head office examination, the conduct financial transactions that ability discovery buys is " 3 without " product, without put on record, without number, without true cast to.
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Bank of merchant of short for Zhejiang Province two branch are cheatedIn April 2015, meng Mou of manager of client of ministry of a person of same business of banking of branch of Xi'an of bank of merchant of short for Zhejiang Province receives a strange telephone call, it is medium that the other side professes piece of manager that believes stockjobber, say subsidiary bank of city of Construction Bank Chongqing has a Baobenli money product, amount 400 million yuan, branch of Xi'an of bank of merchant asking short for Zhejiang Province can do this business.
To the business of arise suddenly, meng Mou asks to check material information further, piece the connection means of Zhang Mou of president of subbranch of a bank of XX of Chongqing of manager general Construction Bank gave Meng Mou. After Zhang Mou contacts Meng Mou and president, check put in this business really.
Via approval of head office of bank of merchant of short for Zhejiang Province, in June 2015, the client manager Luo Mou of branch of Xi'an of bank of merchant of short for Zhejiang Province and nucleus protect a manager to go spot of subbranch of a bank of XX of Construction Bank Chongqing undertook the nucleus is protected sign with the contract,
Luo Mou expresses, one of pedestrians saw Zhang Mou to office of president of subbranch of a bank of XX of Construction Bank Chongqing, zhang Mou signed on relevant agreement, the nucleus protected a manager to take a picture to signing consultative process, next the affix one's seal of woman staff member that Zhang Mou arranged an office.
Li Mou of assistant of general manager of branch of Xi'an of bank of the merchant that occupy short for Zhejiang Province confirms, 2015, branch of Xi'an of bank of merchant of short for Zhejiang Province bought a 400 million yuan Baobenli in subbranch of a bank of XX of Construction Bank Chongqing money product, deadline 2 years, anticipate year change yield 6.8% , product name is " subsidiary bank of city of Chongqing of Chinese construction bank male yuan protect this model product of conduct financial transactions 2015 the 16th period " .
Of the same age July, meng Mou contacts Wu Mou of vise general manager of center of operation of capital of branch of Shanghai of bank of merchant of short for Zhejiang Province again, its tell Wu Mou, the grain property that branch of Xi'an of bank of merchant of short for Zhejiang Province wants to buy one odd Chongqing to build a bank to issue is tasted, but because Xi'an branch is expressed inside (balance sheet) asset remaining sum is insufficient, ask Wu Mou wishs to not be willing to accept this sheet business.
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Wu Mou considers to superabundant specified number is returned inside the watch, this business is the business of a person of same business with smaller risk, agreed then. Bought capital business flow to undertake examination according to interior of bank of merchant of short for Zhejiang Province, via sectional general manager Wu Mou reachs relevant section examine and verify, after be being approved via branch president lot, subbranch of a bank of XX of Construction Bank Chongqing went dealing with a face to sign formalities before branch of Shanghai of bank of merchant of short for Zhejiang Province awards a letter to evaluate a ministry.
In July 2015, branch of Shanghai of bank of merchant of short for Zhejiang Province bought put on sale of branch of city of Construction Bank Chongqing male yuan protect this model product of conduct financial transactions 17 period, amount 400 million yuan, deadline 2 years, expect earnings 6.8% , what sign because of both sides is the Construction Bank is issued protect this model product of conduct financial transactions, the responsibility of subbranch of a bank of XX of Construction Bank Chongqing is to should assume the responsibility that capital and income pay after paying yield of conduct financial transactions and conduct financial transactions to expire by season.
Considering specification of manual of conduct financial transactions is to be used at deposit of a person of same business, this business risk is inferior, branch of Shanghai of bank of merchant of short for Zhejiang Province was not cast to sequel to follow-up, and give account to turning " in letter - assets of XX- construction bank manages only door " also did not raise doubt.
Meeting site examination discovers silver-colored inspect unusualArrive all the time 2016, branch of Xi'an of bank of merchant of short for Zhejiang Province and Shanghai branch did not detect bought product of a false conduct financial transactions. Till silver-colored inspect can be when head office of bank of merchant of examination short for Zhejiang Province, the Construction Bank is narrated before discovering Xi'an of bank of merchant of short for Zhejiang Province divides what buy all right product of 400 million yuan of conduct financial transactions did not put on record number, undertake check and be handlinged, of subbranch of a bank of XX of Construction Bank Chongqing when hold the post of president Cao Mou to reply,
Instant of branch of Xi'an of bank of merchant of short for Zhejiang Province is muddled, this reply means subsidiary bank of city of Construction Bank Chongqing to had not distributed product of this conduct financial transactions. What what I hope is, product of this conduct financial transactions is the payment of interest that press season at present, knot interest is regular, did not appear the circumstance that default, capital is to expired in June 2017.
Since the Construction Bank is denied,had delivered afore-mentioned products, so this false conduct financial transactions that bank of merchant of short for Zhejiang Province buys is how to return a responsibility,
Subsidiary bank of city of Chongqing of classics Construction Bank invests Liu Mou of general manager of banking Wu department to confirm after, the Construction Bank is tasted in the grain property of Chongqing city limits is the branch that is in by Liu Mou is in charge of issueing, mix to the individual by subordinate subbranch of a bank and each site orgnaization sale. Via checking, subsidiary bank of city of Construction Bank Chongqing had not issued China to build subsidiary bank of bank Chongqing city " male yuan " protect this model RMB 2015 the 16th period, property of the 17th period grain is tasted.
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Product of this false conduct financial transactions fastens subbranch of a bank to grow Zhang Mou to come out to help friend fiction, fictional account is to produce company general manager to find Zhang Mou to borrow money somewhere, but this loan fails to be examined and approve in the Construction Bank through, zhang Mou hinders at old friend affection share, just thought of product of dummy conduct financial transactions helps financing, from the capital that bank of merchant of short for Zhejiang Province comes out, negotiable securities of the letter in be being passed finally turns to company of this real estate.
Be worth what carry is, it is annual that company of this real estate pays total financing cost 16% .
On December 26, 2017, because Zhang Mou commits bribery crime, by Chongqing city court of the 5th intermediate people sentences a set term of imprisonment 14 years 6 months, punish gold 3 million yuan. After case hair, branch of Xi'an of bank of merchant of short for Zhejiang Province, Shanghai branch already all called in all and contributive capital.
