Without any clew, bank card is all the time in him hand, the money of existence bank disappeared without trace however, the tragic nothing is more... than with the greatest life this.
2015, mr Cai of Nanjing is in Jiangsu bank to work through university horse classmate plum cousin stocks 3 million yuan, at that time, plum the accrual that cousin gives out is 14% , very more than tower above of common deposit accrual.
Last year in October, on card of Mr Cai discovery 3 million disappeared!
Conduction deposit Mr Cai was away on official business outerly that day, open an account for you by equestrian classmate, mr Cai did not open net silver. Those who disappear without trace 3 million turn by net silver piece, so, mr Cai concludes is plum cousin privately opened net silver, colluded with pilfer to take deposit with equestrian classmate.
Nevertheless, according to bank explanation, this is party " the action thering is no lack of that wants to transfer the risk to bank body " , is not " deposit is lost in the bank " . Depositor puts Jiangsu bank 3 million be delimited add: The 3 people such as experience work staff by punishment arrest
Does money go which?
In the final analysis, this or " pay interest in the form of a deduction when selling a bill of exchange deposits money " the disaster that cause.
Bank deposit divides a lot of kinds, current deposit, time deposit, 0 put whole take, put this extraction to cease etc, do not include deposit of pay interest in the form of a deduction when selling a bill of exchange alone only.
When the enterprise that is badly in need of lending money encounters the bank that is badly in need of deposit, the bank often asks the enterprise puts money refinance money first, fund broker brings deposit client for the enterprise, reach collaboration with the bank that is badly in need of deposit, give market of client prep above the bank savings of interest rate.
Arrive when the client when bank deposit, the bank pays interest according to market interest rate, and the accrual of interest rate of tower above market pays by the enterprise.
September 11, 2014, meeting, Ministry of finance and combination of Chinese people bank issue silver-colored watch " the announcement that governs concerned matter about strengthening irrelevance of commercial bank deposit " , indicate a bank clearly " pay interest in the form of a deduction when selling a bill of exchange deposits money " belong to violate compasses business.
Mr Cai is when deposit, the saving interest rate that bank employee gives out is 14% , actually, at that time Mr Cai should realize the risk of existence.
According to the standard interest rate that the Central Bank announces, current interest rate is 0.35% , 3 months are in to time deposit interest rate of 3 years 1.1% to 2.75% between, the commercial bank can fluctuate on this one standard interest rate float. According to be in harmony 360 detected data show, highest also exceed 50% without rise.
Of hypothesis Mr Cai 3 million put 1 year period time deposit, according to the interest rate computation of state-owned travel, expire 1 year the interest that can acquire is 52500 yuan.
If be in according to him,the of 14% interest rate when Jiangsu bank is stocked is calculated, expire can gain profit 420 thousand.
Whats are done, earn near 370 thousand one many year!
Risk and accrual become direct ratio, the meeting that imagines so tall accrual backside correspondence not hard is how old risk.
A lot of people acquiesce to exist money the bank is kind of the safest a kind of economy, little imagine, sometimes, banking Wu is not certain really safe.
For instance Ms. Lin of Nanjing, next subscribe are recommended in what bank reason finance and economics manages a stock fund, did not make money not only, instead deficit 140 thousand capital.
When still depositor puts money to the bank, employee recommended interest rate taller and give assurance " deposit " , when depositor need shifts to an earlier date draw money or when occurrence deficit, just the insurance that him suddenly be enlightened was cheated to buy a bank to sell goods on a commission basis.
When putting money to the bank, must be careful " deposit " in the feline be bored with that exists possibly, want even money existence bank to take a heart more now!
