Dong Qiangqiang's Story of Leaving Germany

Chapter 896 896. Financial Intelligence Unit
Just as Dong Qiangqiang was on his way to the bank, he was pleasantly surprised to find that the clinic that Du Lan mentioned that could give vaccinations was hidden in the pedestrian street of the old city in the city center.

With the idea of ​​giving it a try, he walked in and asked, and it turned out to be exactly what Du Lan said: the clinic provides a 100-euro health shot, which is claimed to increase the body's immunity and resistance and is valid for 3 months.

With an attitude of trusting others, Dong Qiangqiang decisively placed the order.Unexpectedly, when he stood in front of the clinic's cashier, he was surprised to find that his bank card had expired.

Didn't the bank ask him to explain?Why did the bank stop the card before he explained?What is this operation?
Fortunately, he still had some cash in his pocket, so Dong Qiangqiang didn't show shyness in front of the nurse.

Before the needle tip could be pulled out of his arm, the phone rang cheerfully in his bag.When he opened the text message, he found that the bank informed him with great regret in the text message that his savings account had been frozen.

Dong Qiangqiang was quite concerned when he received a text message from the bank before, but after hearing Duanmu say that he went to the bank to explain that it was just a routine inquiry, he didn't take it seriously.Unexpectedly, the situation suddenly changed in less than 3 hours, and the bank card was frozen directly.Thinking that he had limited cash and had to purchase supplies for returning home in the afternoon, Dong Qiangqiang, who had already seen the bank gate, remembered Duanmu's suggestion at noon and decided to be on the safe side and call Duanmu first.

"Duanmu, my card has been frozen by the bank. The matter seems to be more serious than I thought."

"When did it happen?" Duanmu asked vaguely, his mouth seemed to be full of food.

"About 10 minutes ago."

"Then have you chatted with the people in the bank? After the chat, it was frozen? Did you say any reason?"

"I haven't talked yet. I'm standing at the gate of the bank now. I haven't encountered such a thing before, so I want to hear your opinion first."

"I've never encountered this before. So, don't go in yet. I'll ask the lawyer and I'll call you back later. Just don't go in." Duanmu hurriedly hung up the phone.

Dong Qiangqiang stood boredly outside the bank, thinking about countermeasures and scanning the surrounding scenery aimlessly. When his eyes passed by the ATM machine, he suddenly remembered something, and entered the bank in three steps and two steps at a time. Go to the ATM and start the operation.

The ATM prompted that his account had been frozen, and functions involving funds in and out, such as deposits, withdrawals, and transfers, were disabled, but the query function was still available.

Dong Qiangqiang's fingers were flying. When he saw that Santa Claus transferred [-] euros to him last year using Lebai's German company account, he couldn't help but let out a sigh of relief.Just in case, he quickly copied several deposit and withdrawal records with a limit of over [-] in three months into his notebook. When he copied the last one, Duanmu's name appeared on the screen of the mobile phone without any suspense.

"The lawyer said that if your account is frozen, it is most likely because the procuratorate has a lawsuit against you. For example, you have been involved in a money laundering case, so the bank will classify your account as suspicious. Account, and then freeze the account. Of course, the lawyer also said that there are other possibilities, but this is the most likely."

"Litigation? Money laundering? What is this?" Dong Qiangqiang was confused when he heard this, and he complained in his heart: His troubles with the customs over there were just about to be solved, why did something happen here again?It's like pressing the gourd and lifting the ladle. No wonder the old saying goes that good fortune never comes alone and misfortune never comes alone.He felt inexplicably ridiculous and couldn't help but sigh, "I'm just a poor student. What should I do? It's so unlucky! This bank is so weird."

"Don't get excited. The lawyer said that the bank is not targeting you alone. Since the turn of the millennium, money laundering has been rampant in Germany. The Financial Action Task Force on Money Laundering under the World Organization for Economic Co-operation and Development will review whether Germany has any In order to effectively combat money laundering. After the 911/8 incident, in order to effectively combat many financial crimes including money laundering, the German federal government specially established the Financial Intelligence Agency, which is affiliated with the Federal Ministry of Finance to examine all funds they deem suspicious. The then Finance Minister Schaaib Le transferred power from the Federal Criminal Police Office to Customs and expanded its responsibilities. From that time on, German financial institutions, banks, insurance companies, etc. must promptly report to Customs any accounts they consider suspicious. However, lawyers also said , data from the Financial Intelligence Agency show that although there are nearly 0.25 money laundering proceedings every year, only [-]% of them are real money laundering crimes. The Financial Intelligence Agency and the Federal Ministry of Finance will also hire one of the Big Four accounting firms Come help check for any gaps so you don’t have to worry.”

"I'm still quite worried. Enron also hired a well-known accounting firm, but what happened?" Duanmu's explanation did not dispel Dong Qiangqiang's concerns.

"Don't think about these useless things first. The lawyer asked me to remind you whether any large sums of money have been transferred out of your savings account in the past few months."

Dong Qiangqiang left the bank, walked to a quiet place, took out his notebook and read from the book: "I made a big deposit on New Year's Day, and then there were no more payments in January and February, only a few payments. All the payments were made by lending money to classmates to help them. For those who have extended their visa, you also know that Germans have to look at the student’s deposit amount during the extension. They paid me back as soon as possible after the extension, and then your 1 euros arrived today. In addition, this year There is no large amount of money in and out. I originally wanted to transfer 2 euros back to China this afternoon, but the account was blocked before I did it."

"It's probably these transfers that caused the trouble," Duanmu analyzed. "You'd better think about how to explain these transfers before you go in."

"I didn't expect that helping me would cause trouble for myself." Dong Qiangqiang was unspeakably regretful and depressed. "If I had known this, I might as well have asked you to transfer the money directly to my domestic account." As soon as the words came out of his mouth, Dong Qiangqiang suddenly realized that he was the old man. Why did you put cash in the cardboard box for him?

"Every time you learn something, you will gain wisdom. Nowadays, banks are very concerned about this. This is why I suggested that you find a U.S. bank at the beginning, or split the large amount of funds into several small remittances, but now it doesn't matter. late."

Duanmu's words reminded Dong Qiangqiang, and he thought of another serious question: "If the bank accuses me of money laundering, can I still fly tonight? Or will I be arrested today?"

"You probably won't be arrested. The lawyer said that unless the bank has solid evidence, the bank can only suspect it. But if they really have evidence, I guess you have been arrested a long time ago, so you don't need to go to the bank to explain anything. You have to explain. Also go to the police station or prosecutor’s office.”

"So I can still return to China?" Dong Qiangqiang felt that Duanmu's analysis was indeed reasonable. At least the bank's text messages to him were very polite, unless the bank was trying to get away with it.But playing hard to get should be a trick only used to catch big money crocodiles like Lao Maozi, right?Is it necessary to go so hard to catch him as a poor student?
(End of this chapter)