Depositors 2.8 billion deposits were called by the Bohai Bank to call for resolutely blocking individual bank style control vulnerabilities
 Recently "Bohai Bank Depositors Deposits is misappropriated" incidents become a hotspot. Jiangsu two companies deposit 2.8 billion funds in Nanjing Branch of Bohai Bank. In the case of depositors who do not know, they are not allowed by the bank, and the third-party loan quality is unable to take, of which 500 million is more than the third party can’t repay. Bank as a bonding buckle. On October 24, the Bohai Bank issued a statement that in the process of handling the daily business of related enterprises, Nanjing Branch found an abnormal behavior between enterprises and has reported cases to the public security organs and seeking judicial resolution according to law. This bank bills have once again exposed the risk hazards in the individual bank internal control mechanism, which triggered high concerns inside and outside the banking industry.
Relevant experts said that this incident has knocked a alarm to the weak links of individual bank risk management system and the risk management system, experts call for resolutely blocking individual banks’ wind control vulnerabilities.
Bank issued a virtual verification certificate, "Depositors Deposits were misappropriated" Jiangxi Ji Min Weixin Group is a large pharmaceutical enterprise, its company Wuxi Jishan He Pharmaceutical Co., Ltd. (hereinafter referred to as the mountains), Nanjing Hang Seng Pharmaceutical Co., Ltd. The company (hereinafter referred to as Hang Seng Pharmaceutical)
This batch of deposits 上海楼凤论坛 are two enterprises production of liquidity funds and proposed new projects.
The "Economic Report" reporter investigation found that the mountain pharmaceutical and Hang Seng pharmaceutical have never signed an overprinted contract with the Bohai Bank, and did not transfer the above deposits into paper deposits, and did not handle any pledged business for others, but found deposits Bohai Bank Nanjing Branch "new easy memory" deposits, except for accidental discovery and prevented pledge of 500 million yuan to temporarily, a total of 2.8 billion yuan was set by the bank as a loan guarantee pledge, which is the third-party Huaye Petrochemical Nanjing. Co., Ltd. This batch of deposits have not been taken, and due to the failure to pay by Huaye Petrochemical, the Nanjing Branch of the Bohai 上海喝茶私人工作室 Bank has built a deposit of 500 million yuan in Hang Seng Pharmaceutical. The "Economic Report" reporter learned from the Bohai Bank that according to the rules, "new and easy storage" deposits will be converted to pledges, and they need to experience "deposit customers turn electronic deposits to paper deposits", "bank and guarantor. Procedural and a series of strict audits such as face sign quality contracts.
Many banks said that the "Economic Report" reporter said that banks handle the deposits, and must be reviewed in accordance with the priority principles. After the customer manager, the credit department, the wind control department, the deputy director of the business, and the headquarter sign, even the head office Remote authorization; such a large amount of 上海水墨会所 depicted business, each need two bank staff to enter the corporate signature contract, and keep photo or video information.
Ji Min Weicked Group revealed to the "Economic Report" reporter: Since the operation of the Bohai Bank finished accounting, Bohai Bank has never contacted the group and the loan pledge and other subsidiaries, and they have never been The bank signed an overprinted contract, nor did it authorize others to handle pledges, and it is more impossible to stamp on related materials; on September 4, the Mountain Pharmaceutical has reported cases to Wuxi Public Security Bureau. Two companies store multiple deposits in the Bohai Bank Nanjing Branch turn into loan pledges, requires enterprises to cover the official seal, legal chapter and more than 300 financial seizures (times).
According to the preliminary investigation of the relevant departments of Jiangsu Province, the seals on these loan guaranteed pledge business materials are suspected of forgery. Pengcheng, Assistant Manager, General Manager of Nanjing Branch, Bohai Bank, acknowledged that the Bohai Bank handled the electronic deposit of the company and handled the third-party loan to third-party loans, and did not contact the person responsible person of the two enterprise depositors. This is the vulnerability of the Bohai Bohang. " He also said that the seal on the material is 80% to 90% similarity. According to the mountain pharmaceutical industry, the accounting firm is audited and to the bank inquiry process, the Nanjing Branch of the Bohai Bank has masked the fact that the deposit is pledged in the "issuance of false verification" means. In March 202, when the Wuxi Foundation Accounting Firm was audited the mountain pharmaceutical industry, inquired by the Nanjing Branch of the Bohai Bank, "Shahe Pharmaceutical in the Bohai Bank’s 7 deposits totaled hundreds of millions of freezes, guarantee Or other use restrictions "content, the Bohai Bank Nanjing Branch Reply" is checked by this bank, the medical certificate is consistent with the record information of the Bank. "Hu Zaifeng, General Manager of the Bohai Bank Nanjing Branch Business Department, admitted that the Yoshe Pharmaceutical industry is 1 billion yuan The deposit has been set as a third-party loan by the bank.
"Casual" is not known in the interview with the archer, the Bohai Bank Nanjing Branch provides a pledge loan to the third party in depositors deposits, forming a routing of 2.8 billion yuan, more bizarre, in Bohai Bank misappropriated savetors 2.8 billion depositors After the incident, the person in charge of the Nanjing Branch of the Bohai Bank actually proposed to the Mountain Pharmaceutical: Let them continue to use the 500 million deposits of the mountains, providing pledge guarantees from the Bohai Bank loans from the Bohai Bank loans. Recording shows: Pipe Pengcheng said that if this 500 million yuan cannot continue to pledge to Huaye Petrochemical, the bank loan expirated on August 25 will be overdue, so that bank will built the mountain The deposit of the Pharmaceutical industry is pledged to the bank.
"Bank is a buckle, the mountain pharmaceutical will be alarm, so that the 2.8 billion deposits will be frozen" "" "" ""
"The Bohai Bank will refuse to decide by the mountains.
Yang Yongping, the lawyer of Zhejiang Tianzan Law Firm, believes that the Nanjing Branch of the Bohai Bank has a clear series of vulnerabilities in this risk incident. There is a matter behind the matter, there is a "counterfeit material defrauded paper deposit order" to "bank quality discriminant". The chain requires inside and outside, involving the bank multiple business links and a plurality of business units. In this regard, on October 24th, Bohai Bank issued a statement that in the process of handling the daily business of related enterprises, I found an abnormal behavior between enterprises and reported to the public security organs, and seeking judicial resolution according to law. We solemnly promise that we will continue to safeize the legitimate rights and interests of our customers, protect customer funds, and maintain financial order. In recent years, the depositor has a "missing" case, "missing" has less than tens of thousands of yuan, with a maximum of billions of yuan, and the accomplished depositors have both individuals, including many listed companies. .
Such cases have been banned, often the depositors "found late, difficult, and difficult to recover".
Take the "List of Drills of Birage" as an example, the case causes the wine and ghost wine to suffer huge economic losses, and the relevant proceedings are 6 years. Savings deposit cases and risks directly affect the people’s personal interests, and the social attention is high and the transmission speed is extremely fast.
With this Bohai Bank, there are many households, many depists exclaim: Bank has a vulnerability to make the departure to pay? In the face of public questioning, Heziro, professor of the Central Party School Public Administration Teaching and Research Department, believes that individual financial institutions often open with "accidental happening", "accidentally happened" should not be some banks to relax risk control. Let the supervision teeth are hard for the Bohai Bank to misappropriation of 2,800 billion deposits. Some experts say that my country’s financial risk is controllable, but from the micro financial institution, there is still partial, single risk point, therefore It is highly attached to the case risk or local risk disposal, guarding the regionality and systemic financial risk bottom line. In an interview with the "Economic Report" reporter, many banks reported that there were indications that the incidents of Nanjing Branch of the Bohai Bank, fully exposed its own management system is imperfect, the basic system is not weak, internal control system Not implemented and not in charge of the person in charge of the organization. Is there a large vulnerability in the implementation of the risk control system? The "Economic Report" reporter is based on the Nanjing Branch of the Bohai Bank. The staff responded that the current sensitive period does not respond.
In fact, in February 2016, the Central Inspection Team gives a special inspection of the Party Committee of the China Banking Regulatory Commission. The notification of inspections and rectification stated that "serious investigation and punishment of violations of laws and regulations, and increase the punishment of financial institutions." In October 202, the Central Inspection Team conducted a new round of inspections on the Party Committee of the China Silver Insurance Regulatory Commission, emphasized that "resolutely defending the systemic financial risk bottom line". The Party Central Committee and the State Council attach great importance to the prevention and control of financial risks. The "Economic Report" reporter has discovered that regulators such as central banks, and the Bank of China have made a large number of work deployments in preventing resolution of small and medium-sized banks. Policy, regulations.
How to make regulatory teeth further hard, enhance regulatory implementation, effectiveness, and deterrent, and this Bohai Bank misappropriated savetors 2.8 billion deposit events, providing a next regulatory initiative for such cases, providing anatomical sparrow.
Professor Tan Qiubei, China University of Political Science, believes that in resolutely preserving the big context of defining financial risk attacks, for the discovered risks and issues, should be actually corrected, the system is perfect, the risk control is in place, the responsibility is in place, There is no hidden danger of financial risk.