The beginning was serious, and the opposite side was scared by me and called the police!

Chapter 147 Banks Are Weak Groups?
"Looks like I'm going to the counter to ask about the situation."

After a little thought.

Qin Mu decided to take an hour off and walked out of the nursing home.

Go to the nearest bank counter.

The nursing home is located in the city center, and there is exactly one branch of the bank around it.

……

10 minute later.

Qin Mu walked into the lobby of the bank, followed the guidance of the lobby manager, and took a number to line up.

There are not many people working at this point.

After queuing for 10 minutes, his number was called.

Qin Mu stepped forward and explained the situation to the staff: "Hello, I want to transfer money from this account, but I don't know why, it keeps showing abnormal."

The counter clerk glanced at him.

He took out a list very skillfully and handed it to him.

"The sample form is on the side, fill it out according to the standard."

Qin Mu took the list.

Pick up a pen and fill it out.

The content of the form is also aimed at users who have abnormal account transfers.

He is required to submit his bank card number, state the situation, and conduct authority inquiries.

It seems that he was not the only one who had abnormal transfers.

"All right."

It took 3 minutes.

He filled out the form and handed it to the staff.

result……

After confirming that the form was correct, the staff gave him another appointment form.

"Sorry, to handle this business, you need to make an appointment three days in advance. You should make an appointment first, and come back three days later."

Qin Mu frowned.

I always feel that something is wrong, but I can't tell.

Can't help but ask: "Can't you do it today?"

The staff member said lightly: "I'm sorry, this is the bank's regulation. Users with abnormal transfers must make an appointment in advance. We need to register in the background before we can process it."

Qin Mu said that when he saw him.

I could only fill out the appointment form, turn around and leave the bank.

This kind of hard and fast rules of the bank...

This kind of small employees are not eligible to change.

Back to the nursing home.

He tried several times and found that he still couldn't transfer the money.

However, there is no problem with the status of the account.

His 4400 million, unusable, suddenly turned into a paper number!
Without any choice.

I could only wait patiently for three days.

……

three days later.

Qin Mu took some time and went to the bank again.

I took the number.

This time the reception was handled by another counter staff.

"I've already made an appointment."

Qin Mu was worried that he would be asked to fill out those forms again, so he spoke first.

"Already made an appointment?"

The staff member was obviously surprised, but still pulled out five forms.

Handed it to Qin Mu.

"There is a sample form next to it, fill it out."

The attitude is lukewarm.

Qin Mu didn't think too much, took the five forms and continued to fill them out.

The first three forms are relatively normal, mainly some bank agreements and the like.

According to the relevant knowledge of the "Banking Law" he has mastered, it is all compliant and legal.

But the contents of sheets [-] and [-]...

But it became outrageous.

The fourth form requires him to provide a series of other documents to prove that he is him.

That's right.

Even if it is not enough to have an ID card and appearance comparison, he still needs a series of supporting documents such as his household registration booklet, social security card, driver's license, passport, etc. to prove that he is him!

On the fifth form, he is required to provide the origin of the balance in the card, details of the transfer-in and transfer-out, the purpose of the transfer-out money, and so on.

in the usage column.

He also needs to specify the specific reason and purpose of use in detail.

"Is there something wrong with these two watches?"

Qin Mu frowned and looked at the bank staff.

He used the money himself, and he had to find a way to prove that he was himself, and explain how to use it.

this year.

Even the ID card can't prove that he is him.

The staff smiled and explained: "Sir, there is no problem. For users with large deposits, we need to fill in a little more information."

Qin Mu took a deep breath.

Force yourself to calm down.

This is the other party's territory, and if he wants to transfer money, he can only do it according to the other party's rules.

and.

There is nothing illegal about the requirements of these two forms.

All within the scope permitted by law.

As a financial institution, banks have the authority to regulate and be responsible for the funds deposited.

Subsequently.

He suppressed his dissatisfaction with the bank and filled out the five forms.

The staff checked the five forms and focused on the fourth and fifth forms.

Point out the problem: "This form needs to be accompanied by a copy of the corresponding certificate, a copy of the household registration book, social security card, driver's license, etc."

"There is also the purpose of the funds. You only wrote that you want to repay the loan, but you did not specify who you want to repay the loan to. The identity information of the recipient, why you want to repay it, and the cause of the incident must be clearly stated."

Qin Mu finished listening.

His face couldn't help but sink.

These demands are becoming more and more excessive.

According to the bank's regulations, he now needs to provide Qing Lan's identity information, the details of the two people's contacts, and other information!

If it is not provided, it will not be possible to prove the relationship between the two borrowers.

"Last month, someone lent me 600 million. You should be able to find it in the background transfer flow, right?"

he asked coldly.

The bank staff nodded: "Yes, there is indeed a record of this large transfer in the transfer flow, but we need to supervise the safety of the funds transferred in and out, so we need to provide detailed proof."

Qin Mu listened and laughed angrily again.

"Now when I want to transfer money out, I need to supervise the safety of the funds? Then when I transferred the money into your bank before, why didn't I see you looking for me?"

The 4400 million was transferred to the bank account one after another.

For personal reasons, he has always used a local private bank in Jincheng.

There are also more than 20 bank outlets in Jincheng.

Not a small bank.

When the legal fee was transferred to the bank before, the bank did not see it for supervision.

Not a single call was made to him.

Now he is telling him with righteous words that he needs to supervise the safety of funds.

"I'm sorry sir, it may have been a mistake by the staff before, but if the transfer is made, it is indeed necessary to confirm the funds, please understand."

The staff member apologized quickly, but still acted businesslike.

Don't give in.

"Only after filling in the complete information can we verify it for you in the background and solve your problem."

Although he was apologizing, his attitude was always tough.

Qin Mu took a deep look at the employee, feeling quite helpless.

In modern society.

Because of the so-called "rules" of various institutions, it is getting more and more difficult to do things.

However, the other party was just a small employee, and he couldn't do anything to make things difficult for the other party.

These "rules"...

It's not illegal, and it's not off the hook.

If you want to do things, you have to obey their rules.

"I didn't prepare enough materials today, come back tomorrow."

Take a deep breath.

Qin Mu chose to take a step back, planning to prepare all the materials tomorrow and do it again.

Although this bank is a bit domineering, there is nothing illegal about it.

He really has nothing to do with him.

"Sir, your opportunity to make an appointment has already been used up. You cannot handle this business tomorrow. It is recommended to make an appointment in advance today and come back in three days."

The staff reminded me very "warmly".

Almost pissed off Qin Mu's old blood.

But in desperation.

He can only follow suit.

The bank held its own 4400 million, but it was so domineering.

No wonder it is the uncle who owes money.

But a few years ago...

There are still people who have the face to say that banks are vulnerable groups!
It is also euphemistically said that banks have assumed financial risks and social responsibilities, and enterprises have transferred various loan risks to banks, making the banking system extremely fragile.

Such remarks take no account of the practices of some private banks.

These institutions also transfer economic risks to the common people.

In comparison.

Ordinary people save money in the bank, and they don't know the specific use of their money at all.

The bank has not announced either.

Once there is a fault in the funds, the turnover will not be able to survive...

Basically, the only people who think they are unlucky are ordinary people.

these years.

Countless small banks failed due to poor management, and when they failed, it was depositors who took the risk!
Even if it is a bankruptcy settlement, the money they can get back is pitifully small!
According to the back-and-forth provisions of the relevant financial laws, the deposit of 100 million disappeared...

The bank compensated 50 yuan out of pocket.

In other words, at least half of the money has to be considered unlucky!

……

Shanshui Garden District.

after get off work.

Qin Mu returned home and found a series of materials that could "prove his" identity.

Then he sent a message to Qinglan, telling about the incident.

"Is there such a thing? Banks are too bullying these days!"

When Qing Lan found out, she was also very angry.

"Up, I support you, send them all in, this time is the bank teller or all the senior management of the bank?"

Look at the message from Qinglan.

The corner of Qin Mu's mouth twitched, and he replied, "The other party hasn't broken the law, let alone committed a crime, how can I send it?"

"Up, you're exposed, I'm just talking, I didn't expect you to really have this idea, it's too scary!"

This message was followed by a shivering emoji.

Several black lines appeared on Qin Mu's forehead.

to be frank.

He did.

However, the other party is within the scope permitted by the law, and there is no violation of laws and regulations or crimes.

Even if he wants to send...

didn't work either.

Subsequently.

He asked Qinglan for some identity information, such as ID card, bank card number, bank address, etc.

It is "supposed" that the bank wants to use this to prove that he "really" wants to transfer money.

Prevent him from "fake" transfers.

With such an outrageous request, the more he thought about it, the angrier he became.

It’s fine when you save it, but it’s a lot of trouble when you want to use it.

The store is bullying customers, and what they said is true.

"The money owed to you may not be transferred to you until later."

thought for a moment.

Qin Mu sent Qing Lan a sorry message.

"It's okay, I'm not in a hurry to spend money now."

"However...you have finally encountered something bad, and the video material is also available. Remember to update the video as soon as possible. It has been more than a month, and we are still waiting to learn law!"

chat and chat.

Qing Lan brought the topic to reminders again.

There was palpable joy and excitement in the message.

Qin Mu: "..."

……

three days later.

After all the materials are prepared.

Qin Mu went to the bank again.

Those who are familiar with the road take the number and queue up.

Wait until after the applause.

After filling out five forms, all the procedures have been completed.

"Can it be done now?"

Qin Mu looked at the new staff member and asked in a deep voice.

"You... all this money came from a lawsuit?"

The staff member carefully reviewed the form and couldn't help showing surprise.

In the column detailing the source of the funds, he was taken aback by what was written above.

In the running records, most of the money was transferred through court enforcement accounts.

The note is "return of legal fees"!
He couldn't believe it...

The amount of legal fees returned in this batch is as high as more than 3000 million!
And go further.

There are more than 3000 million in the account, most of which come from the exchange of lottery prizes, and the transferer is the lottery center!
Only the second prize of hundreds of thousands has been redeemed about [-] times!

The kind that makes you convulse if you win the lottery!
"What? I just got lucky. Isn't the money I get from winning the lottery illegal?"

Qin Mu frowned.

"No, no."

The staff member swallowed, then picked up the form, and started operating in the background.

It seems to be very cumbersome to solve this problem.

It took a full 10 minutes to operate.

Then he said to Qin Mu: "Okay, the materials have been submitted, and then we can wait for the approval, which will take about five working days."

Done.

He was going to call the next number.

"and many more!"

Qin Mu couldn't bear it anymore.

He just wanted to solve the problem of abnormal account transfer, and it took more than a week to do it!

Correspondent bank three times.

All kinds of wonderful information and requirements have been filled out.

Now actually tell him...

Still need to wait another five working days!
"Call your boss!"

He took a deep breath and said in a deep voice.

The staff member was stunned for a moment, and then said: "Sorry, our president is out today to discuss business."

Just one sentence.

Qin Mu was blocked.

"In addition, this is our bank's regulations. The transfer of large amounts of money in and out requires approval at various levels, and finally requires the signature of the president."

"After the materials are submitted, we will deal with them as soon as possible and give you a reply."

"Thank you for your understanding."

The whole speech technique is extremely proficient.

These words to deal with customers are their compulsory courses.

When you have a problem...

It's all the same way of coping.

But after hearing this, Qin Mu became even angrier.

I know I have caused inconvenience to myself...

Why do you want to forgive yourself?

If you have caused inconvenience to yourself, it is business to help solve the problem as soon as possible!

But all kinds of excuses.

It takes three days to make an appointment, and the information is even more wonderful.

After he prepared all the materials, he even replied that he would have to wait five days!
Fortunately, I am not in a hurry to spend money.

In case I want to use this money to save my life...

He believed that the bank would definitely follow the procedure and ask for forgiveness for the inconvenience caused!
The key is……

Ordinary people really have nothing to do when they encounter this kind of "overlord clause" that follows the process!
Call the police?

There is no use.

The police came, and after understanding the situation, they probably left immediately.

This is not suspected of any violation of laws and regulations.

Sue?

Also useless.

This kind of thing is not even a dispute.

It is impossible to file a case.

Even if the case is filed...

The bank has a complete legal team ready to deal with public relations.

Because it involves issues in contract, finance and other fields, the legal team is very important to every private bank!
The lawsuit is not false.

and.

He wasted time and effort, even if he won, he could just transfer the money in his card.

at this time.

The system sound, which had not been triggered for a month, sounded quietly.

"Ding! It is detected that the host has encountered a bank pushback incident, triggering a new task."

"Ding! The host can choose one of the following three mission routes:
[-]. Swallow your breath and wait patiently for five days.

[-]. Fight with reason, wait until the president comes back, and communicate with the president.

4400. Actively safeguard rights, protect their own rights and interests, and take out [-] million. "

"Please note that each different mission route will receive different random rewards depending on the difficulty."

Hearing this long-lost voice, Qin Mu's expression brightened slightly.

Ever since he acquired the [Void Finding Enemy] rare skill in the lottery event, no new mission events have been triggered.

Even if the whole network is sued later...

The system doesn't show up either.

Now it's finally here!
Combined with the previous situation, he can be sure that there is definitely an unknown story behind the bank's prevarication!

otherwise……

It will not set up the work process so cumbersomely!

It takes three days to make an appointment and five days to approve.

God knows what kind of process needs to be followed after approval!
But this incident is not simple.

If you want to defend your rights, it is not easy.

The two ways of calling the police and prosecuting are not feasible.

"I choose three."

Qin Mu took a deep breath and still chose three.

One and two are relatively simple.

Rights protection is often the hardest.

But let him swallow his anger and wait patiently, he can't do it!
Followed by.

In his mind, he quickly went through all the legal knowledge.

All rights protection methods are at a glance.

"Maybe... you can try this way."

Soon.

An alternative idea of ​​rights protection appeared in front of his eyes.

……

at the same time.

Bank office area.

"President, there is a big client who wants to transfer money these days. He has come here several times and has already submitted an application for approval."

The lobby manager walked into the president's office and briefly reported the situation.

in the office.

Geng Jinglu slowly raised his head, his face was a little ugly.

After a little thought.

He replied in a deep voice: "Let's wait for a while, now our bank's capital turnover is not enough."

during this time.

Their private bank has lent a lot of money.

In the case of insufficient inventory, part of the depositor's money was temporarily used.

This also led to a mismatch in lending and turnover.

He has been very busy with this matter for the past few days.

If it can't be turned around...

Other businesses of their bank will be affected by the chain reaction.

"Xiao Liu responded that this person... in his records, all the legal fees were refunded, up to 3000 million. He sued the whole network case some time ago."

The lobby manager hesitated for a moment, then said another sentence.

"Sue the whole network?"

Geng Jinglu frowned, then sneered and said, "So what? We followed the procedure and did not violate the rules. Can he still sue us?"

He waved his hand.

Signal the lobby manager to go out.

Regarding Qin Mu's incident, he didn't take it seriously at all.

This kind of large depositor...

Usually, he would greet the New Year and the holidays with greetings and greetings with various gifts.

But at this point in time, he dared not meet these benefactors at all.

I can only pretend to be a turtle.

As long as you get over the difficulties in front of you...

All is well said.

It's just a few more days to delay them, it's easy to say if it is delayed.

……

nursing home.

When he came back from the bank, Qin Mu bought a book of letter paper at the small shop on the side of the road.

brought back.

"Xiao Qin, why did you bring the letter back? Who do you want to write to?"

"What time is it? We all start texting and calling. Don't you young people like to chat on WeChat?"

"Isn't it nostalgic and retro? Do you want to experience a different feeling of love?"

"Speaking of which, do you have a date?"

"..."

After Zhang Qingyuan and others saw it, they became curious and gossiped.

chat and chat.

Unconsciously, we talked about the favorite topic of the elders, the object.

He even wanted to introduce someone to Qin Mu again.

Qin Mu quickly stopped their conversation and found a quieter room.

Get down to business.

That's right.

These stationery...

That's how he defended his rights this time.

The object this time is different from the past, and belongs to private financial institutions.

The family is big and the business is big.

The size is amazing.

Calling the police and prosecuting are of little use.

The best way……

Just seek feedback from their direct management departments!

in fact.

In life, many people have encountered the difficulty of finding a bank to do business.

Also tried to complain.

but……

Complaining to the bank is useless.

The problem was not serious, the bank downplayed it and ignored it completely.

The problem got worse, and the bank turned back and fired the employees who handled the business.

Let's say "Employees are not proficient in business, and their personal behavior has nothing to do with the bank", which completely pushes the responsibility away.

But actually.

Anyone with a discerning eye knows that employees are used to take the blame!

It is impossible for a small employee to have such great authority!
and so.

Even if you want to complain, you can't go to the bank, but to their superiors!
That is, the Banking and Insurance Regulatory Commission.

The China Banking and Insurance Regulatory Commission is a regulatory agency directly under the merger of the China Banking Regulatory Commission and the China Insurance Regulatory Commission. It is mainly responsible for supervising the banking and insurance industries.

Unless you are a person in the financial related field, few people know about the China Banking and Insurance Regulatory Commission.

If you want to complain to the bank...

The best way is to contact the Banking and Insurance Regulatory Commission.

however……

There are also corresponding methods for rights protection complaints.

Complaints like calling are almost useless.

Because the external phone number left by the China Banking and Insurance Regulatory Commission is only for consultation and feedback.

To really report and complain about the bank...

The most direct and effective way is to write a letter and post it!

This method may seem primitive, but it is actually the most useful!

It's just that many people are used to finding ways to complain online when defending their rights.

All complaints report...

It's not as good as a courier!
Most of the institutions that accept reports and complaints have set up special departments for receiving reports.

Also.

Similar reporting and complaint letters are best sent to the headquarters.

The local branch and the headquarter's processing power are completely different.

"Now that's what this report is about."

Qin Mu took a deep breath.

First of all, in the title of this letter, it is clearly stated that Jincheng Private Bank is suspected of illegally embezzling a huge amount of 4400 million funds.

Then he briefly stated the situation he was facing and the prevarication problems he encountered in the bank.

Postponed for nearly ten days.

The bank has been prevaricating and delaying, unable to transfer the money, and has not given a clear explanation.

According to the relevant "Banking Law" provisions, depositors have the freedom to handle funds in the account, and the bank shall not delay without reason.

This kind of procedural delay for nearly ten days, he has every reason to report that the other party is suspected of illegally embezzling other people's property!
This charge is also a criminal charge.

The only difference is...

He doesn't need to fight the lawsuit himself.

As long as the incident can attract the attention of the China Banking and Insurance Regulatory Commission, the China Banking and Insurance Regulatory Commission will investigate the bank internally.

And he believed.

I can't transfer out my 4400 million money, so I am definitely qualified to attract relevant attention!
After stating all the reasons.

Qin Mu backed up the screenshots of his bank account, account name, ID card information, bank acceptance feedback and other information that could not be transferred out.

added to this letter.

I also left my contact information in it, waiting for the China Banking and Insurance Regulatory Commission to give me feedback.

Do it all.

He took a thick stack of documents and went to the courier point.

Send the information out.

……

the next few days.

Qin Mu didn't go to the bank again.

The bank has been prevaricating and procrastinating, and it is obvious that the money cannot be transferred for the time being.

therefore.

He went to work honestly at two o'clock and one line every day, waiting for the results of the China Banking and Insurance Regulatory Commission.

Three days later.

A call from the China Banking and Insurance Regulatory Commission finally responded.

On the phone, he solemnly asked about his identity information and whether the reported materials were true.

After confirming the basic situation.

He asked him to wait with peace of mind, saying that he would notify the local branch of the China Banking and Insurance Regulatory Commission to understand the situation.

"Finally there is a result!"

After hanging up the phone.

Qin Mu couldn't help being a little excited.

He wants to withdraw some money...

It's been almost two weeks.

If it wasn't for sending a report, I'm afraid I still have to follow the bank's procedures and continue to wait for an indefinite period of time!

The China Banking and Insurance Regulatory Commission has dispatched agencies in various regions.

Similar to the duties of the police station.

It can be regarded as a grassroots organization with the power to manage various problems in the banking and insurance industries.

In general.

This dispatched agency is equivalent to the direct superior of each bank!
Once involved.

The deterrent effect is greater than calling the police!

The bank may not be afraid of the police station, but they dare not ignore the inspection of the immediate leadership!
……

Jincheng.

a private bank.

Multi-person conference room.

"At present, the refinancing crisis is getting worse and worse. Everyone should find a way to find the resources at hand to help our bank tide over the difficulties."

Geng Jinglu, the president, looked at the middle-level leaders attending the meeting, frowning.

After these days of hard work.

The crisis in their bank is still not over.

After a large amount of lending, there was a problem in the capital chain, which affected all links.

Although it has not endangered the overall operation of the bank.

But if it is not handled properly, the collapse is not far away.

and.

Now all depositors are reporting abnormal transfers.

Their only solution is to use the process as an excuse to keep procrastinating.

Drag until this crisis is resolved!

When everyone is brainstorming and discussing the countermeasures.

"President, it's not good, people from the China Banking and Insurance Regulatory Commission are here!"

The door of the conference room was pushed open, and the lobby manager ran in.

Whispered reports in Geng Jinglu's ears.

"what?"

Geng Jinglu's eyes widened, and his expression changed drastically.

(End of this chapter)