If you buy fake goods online, you will buy 100 million more!

Chapter 293 We have never lost a lawsuit! (7 thousand words)

"Sorry, I didn't understand what you meant." Jiang Bai frowned.

Now he is already in a very upset mood, and it is only because of his good upbringing and quality that he has not had an attack.

The lobby manager was still smiling, but his attitude was quite good: "I don't mean anything else, I just want to ask, what are you doing with so much money all at once?"

Jiang Bai asked back: "Do I still have to report to you when I take my own money?"

The lobby manager explained: "Sir, please don't get me wrong. It is like this. In March this year, the Ministry of Public Security and the Central Bank and other relevant departments issued the "Administrative Measures for Due Diligence of Financial Institutions' Customers and the Preservation of Customer Identity Data and Transaction Records", which clearly stipulates that Financial institutions such as commercial banks and rural cooperative banks shall identify and verify the identity of the customer, understand and register the source or purpose of funds when handling a single cash deposit or withdrawal business of more than 5 yuan for a natural person customer.

"This is a method specially formulated to control financial order, prevent illegal money laundering, and combat financial fraud, and it is also for the sake of customers."

"Please understand, sir."

After hearing the lobby manager's explanation, Jiang Bai's complexion softened slightly.

If that's the case, it's understandable.

After all, telecommunications fraud is so rampant now, and victims emerge in endlessly. If the bank asks so many questions, it may make the deceived people wake up in time and reduce losses.

As for money laundering... To be honest, most people don't have much access to this level, and don't understand the twists and turns inside, but it sounds quite reasonable.

Thinking of this, Jiang Bai nodded and said: "I withdraw the money for charity, and I have already made an appointment with the manager of the charity organization."

"So that's the case. Please give me the original ID card and bank card for verification. This is a large-amount withdrawal appointment form. Please fill it out truthfully."

With that said, the lobby manager handed over a form.

Jiang Bai picked up the pen and began to fill in.

In addition to basic information such as name, ID card number, and contact information, it is also necessary to specify the scheduled withdrawal time, withdrawal amount, etc. There are quite a lot of things to fill in.

Especially in the column of "withdrawal purpose", there is a line of small words stating that it needs to be filled in truthfully and in detail.

Anyway, it looks very troublesome.

However, considering that the bank is doing this in a responsible manner to depositors, and there are clear laws and regulations, Jiang Bai has no objections.

It will be filled out quickly.

After completing the large-amount withdrawal appointment, Jiang Bai went home.

"Manager Chen, I'm really sorry. The bank needs to make an appointment in advance for large withdrawals. I have to miss the appointment this afternoon. Next Tuesday, I will contact you in advance. Yes, I didn't expect this to happen..."

Jiang Bai was on the phone with Chen Bin from the Aikang Foundation, and as soon as he stepped out of the elevator, he saw a man sitting in front of his house leaning against the wall, his eyes closed as if he had fallen asleep.

It was Sun Xiangzheng.

"Manager Chen, I have something to do here, so I won't tell you for now, okay, goodbye."

After hanging up the phone, Jiang Bai stepped forward and gently shook Sun Xiangzheng awake: "Brother, what are you doing here?"

Sun Xiangzheng looked up.

Pupils shrink.

Then, with a "plop", he knelt down on the ground: "Benefactor, great benefactor, I kowtow to you."

As he spoke, he kowtowed.

Seeing this, Jiang Bai knew that Sun Xiangzheng must have guessed that he was the one who made the donation.

"Okay, what are you doing, get up."

Jiang Bai helped Sun Xiangzheng up.

"Benefactor, the money you gave not only saved my son's life, but also our family. It's not too much for me to kowtow to you." Sun Xiangzheng said with red eyes.

The heart is both grateful and full of guilt.

Jiang Bai waved his hand and said, "Don't call me benefactor, it's weird, my name is Jiang Bai, you can just call me by my name..."

To be honest, facing Sun Xiangzheng's gratitude, Jiang Bai was quite embarrassed, but there was also a feeling of "proud" and "satisfaction" in his heart.

It is always said that helping others is a pleasure to help others, but until now, Jiang Bai really understood the meaning of this word.

Sun Xiang is a real person. After being invited into the house, he kept thanking him, apologized to Jiang Bai, and promised that he would never renovate during the time period prohibited by law in the future, and would not cause trouble to him again.

As for not being able to finish on time...

According to the contract, you will pay as much as you should pay.

After talking with him, Jiang Bai found out that the owner of the upstairs household is no longer Wang Defa's family, and the house was sold to another person. The new householder didn't like the original wood-grain brick and maroon decoration style, so he hired a decoration team. Dismantled and redecorated.

But these things have nothing to do with Jiang Bai.

All he has to do now is to wait for three days and then go to withdraw the money.

……

Three days passed in a flash.

This morning, Jiang Bai came to the banking office again.

Take a number, line up, call a number...

The one who received him was the same female employee named Zhu Yanbing from last time.

"Hello, I made an appointment to withdraw 500 million cash last Saturday, please help me with it."

Jiang Bai handed in the relevant documents.

"I'm sorry, sir, because your one-time withdrawal amount is relatively large, and our bank is not fully prepared. I'm afraid we still won't be able to withdraw money this time." Zhu Yanbing said apologetically.

Jiang Bai's face sank, and he asked, "Not ready? How could you not be ready?"

"You said that you need to make an appointment three days in advance for large withdrawals. I made an appointment. Isn't three days enough for you to prepare?"

"Then tell me, when will you be ready!"

"Hmm..." Zhu Yanbing smiled, and after thinking about it, she said, "Well, you can come back on Friday."

"This is the second time I've come to your bank. You mean I can withdraw the money on Friday, right?" Jiang Bai asked.

Zhu Yanbing smiled and nodded: "Theoretically, it is possible."

Jiang Bai frowned: "What is 'theoretically possible'?"

Zhu Yanbing said: "As long as there is no unexpected situation, you can take it."

"...Okay! Then I'll come back on Friday, I hope you will be ready by then."

Jiang Bai resisted the unhappiness in his heart, got up and walked away.

……

Friday.

Jiang Bai came to the bank again.

It is still a fixed window, and it is still a familiar bank employee.

"I made an appointment to withdraw money last Saturday. It's been a week. Are you ready?"

Zhu Yanbing stretched out her hand, and said flatly, "Bring me the appointment form and let me have a look."

Jiang Bai handed over the large-amount withdrawal appointment form that he kept, but the latter returned it after glancing at it twice, and said, "I'm sorry, the form you filled out didn't meet the specifications, and you can't withdraw the money."

"Huh? What do you mean?" Jiang Bai's face sank involuntarily.

Zhu Yanbing pointed her finger casually and said: "In the column for the purpose of withdrawal, you wrote too simply, you only wrote 'for charitable donation', but you didn't specify which charity organization the other party is, and there is no such charity organization. Specific information and supporting documents. Oh, by the way, why are you donating, why are you donating at this time, why are you choosing this charity, etc., these need to be clearly written.”

After hearing these words, Jiang Bai's face became completely gloomy, and he suppressed his anger and asked: "You mean, I have to ask the charity to issue a written certificate for me?"

Zhu Yanbing nodded and said: "Yes, our bank has the responsibility and obligation to supervise the flow and use of cash withdrawn from our bank. This is also to control financial order and prevent financial crimes."

Jiang Bai laughed angrily.

"You're not mistaken, are you? I just deposited the money in your bank, which doesn't mean it belongs to the bank! Why do I have to be interrogated like a prisoner by you when I withdraw my own money!? What qualifications do you have to block me like this!"

It is no problem for the bank to understand the source of customers' funds and the purpose of withdrawal, but it is too much to be too picky if you go to the bottom of it!

After all, the money belongs to the customer!
Even if I take out the money and put it in the refrigerator or use it to make a bed and build a wall, your bank doesn't care!

"I know you're in a hurry, but don't be in a hurry."

Zhu Yanbing had a formulaic smile on her face, her attitude was good but also tough.

"This is our bank's regulations. You must fill in the form truthfully according to the regulations, and I can handle the business for you only after it has been reviewed and verified by the higher authorities."

"Please don't embarrass me, I'm just a small employee."

Jiang Bai asked with a dark face: "Since there is such a rule, why didn't anyone tell me when I filled out the form before?"

"Maybe the lobby manager was negligent. I apologize to you on his behalf. I'm sorry."

Zhu Yanbing apologized flatly.

But there is still a meaning conveyed inside and outside the words. Now that you can't withdraw money, everything you say is useless.

Jiang Bai took a deep breath, gritted his teeth, and said, "Does that mean I have perfected the purpose of withdrawing money, and then I can provide the proof of the charity organization, and then I can withdraw money?"

"not like this."

Zhu Yanbing shook her head and said, "You need to bring all the materials and come back to make an appointment again. The current appointment form is no longer valid. If everything goes well, you may be able to withdraw the money next Monday."

"..."

Jiang Bai took a deep look at Zhu Yanbing, but he had no choice but to leave.

He also checked online in the past two days. The central bank does have such regulations for large-amount deposits and withdrawals, so strictly speaking, the bank's practices are not illegal.

After half an hour.

Jiang Bai came to the Aikang Foundation and met Chen Bin.

The latter looked less than 40 years old, wearing a suit and leather shoes, wearing a pair of gold-rimmed glasses, white face without beard, and elegant.

"Hello, Mr. Jiang, I'm still your fan. I didn't expect to meet you in person. It's a great honor. Please take a seat."

Chen Bin warmly entertained them.

After the two exchanged pleasantries, Jiang Bai explained his intentions.

He needs a written document from the foundation that he really wants to donate to the foundation.

"I know that large withdrawals require an appointment, but the bank requires so many withdrawal purposes...it's too outrageous." Chen Bin frowned.

More than outrageous.

It's outrageous that his mother cried for outrageous grave, outrageous death!

Jiang Bai curled his lips and said, "Who says it's not? If I didn't withdraw money but deposit it, I wouldn't have such a trouble."

Chen Bin laughed.

Some things, you know everything, don't need to say too much.

Paperwork is a trivial matter.

While entertaining Jiang Bai himself, Chen Bin asked the secretary to print the certificate and stamp it.

It didn't take long for Jiang Bai to get the supporting documents, so he didn't stay too long, bid farewell to Chen Bin, went to the bank again, and made a new large-amount withdrawal appointment.

But this time, the amount he made an appointment to withdraw was not 500 million.

But... 500 million!

This is Jiang Bai's entire deposit in this bank.

He is not at ease that his money will continue to be stored in this bank.

Today, I got various cards for withdrawing 500 million, and tomorrow the 2000 million may be lost for no reason—it is not uncommon for this kind of self-stealing to happen.

"Huh? Twenty-five million? Mr. Jiang, did you make a mistake? I remember that the last time you made an appointment was five million." The lobby manager asked suspiciously after seeing the amount on the form.

Jiang Bai said: "That's right. I made an appointment to withdraw 500 million last time. Didn't you guys refuse to withdraw it for me? So I want to withdraw 500 million this time. Is it okay?"

"Then...you want to donate these two thousand and five million yuan?" the lobby manager asked tentatively.

"Oh, that's not true." Jiang Bai waved his hand, "500 million is for charity, and the remaining 2000 million, I want to keep at home."

"Huh? Huh?"

The lobby manager was stunned for a moment, and quickly persuaded: "Mr. Jiang, why are you doing this? You can buy some wealth management products launched by our bank with this money, and the income is very considerable. I can recommend some good ones to you. For financial management, the annualized rate of return is at least 3% or more.”

"No need, it doesn't matter if you have this little money or not, I don't care." Jiang Bai leaned back in the chair, exuding the aura of a local tyrant all over his body.

The corner of the lobby manager's mouth twitched, but he still tried to persuade him: "But it's not safe to keep so much cash at home. If it catches fire or is patronized by thieves, your losses will be huge. It's better to put it in bank insurance."

Jiang Bai said lightly: "I can still avoid this risk, so I don't need you to worry about it."

"Mr. Jiang, you don't have to do this, our bank still..."

Seeing that the lobby manager was still grinding, Jiang Bai interrupted him with a gesture, and said in a deep voice: "I just want to ask, is there any law that stipulates that you can't take out the money and leave it at home? Huh? Is there any!"

"No, no."

The lobby manager swallowed.

"Then please stop talking about what you have and what you don't have. Hurry up and go through the appointment process for me. I'm in a hurry."

"……All right."

The lobby manager had to operate.

After a while, he said to Jiang Bai: "Mr. Jiang, the appointment process has already started, and it is expected to take three to five days...it can be approved in working days."

"Oh!"

Jiang Bai couldn't bear it anymore, he slammed the table and shouted at the lobby manager:

"What did you say?"

"The last time I made an appointment, it was three days. How could it be three to five working days this time! I deposited the money in your bank for peace of mind, not to make you sick of me!"

"Withdrawing any money can delay me for half a month..."

"Is it because you treat others as fools if they don't get angry!"

The clay bodhisattva still has a little bit of anger, let alone a person with seven emotions and six desires.

Jiang Bai wanted to withdraw some money, but he went to the bank four times and failed to withdraw it. He had to wait another three to five working days.

And more importantly, with the urine nature of the bank, it may not be able to be withdrawn smoothly after three to five working days.

Jiang Bai's suppressed anger finally broke out at this moment.

The movement here has attracted the attention of many people.

"Mr. Jiang, don't be angry. It's really not that I deliberately made things difficult. Last time you made an appointment for 500 million. This time it's 2000 million more. Our bank also needs more time to prepare."

"Please forgive me."

The lobby manager said with a smile on his face.

I have to say that this person has a good attitude, always laughing with you, not angry, not angry.

But...it doesn't work.

As expected of a person who is qualified for the position of lobby manager, he is indeed professional enough, and his skill points for Tai Chi are probably already full.

This reason sounds reasonable, but if you think about it a little bit, you will know that it is pure fart.

Banks are just looking for reasons to delay!

"I can't understand, what about your president? Let your president talk to me!" Jiang Bai said.

The lobby manager said: "I'm sorry, our president is not here today. If you want to see the president, you can make an appointment with me. If everything goes well, we should be able to see you next Tuesday or Wednesday."

"..."

Jiang Bai was really laughed out of anger.

He should really be thankful that he is not urgently needing money to save his life. He has no doubt that even if it is life-saving money, the bank can delay it for a long time with various reasonable, legal and compliant reasons.

It's not that Jiang Bai didn't think about calling the police or suing.

But it seems useless.

The bank's actions are indeed excessive, but if they really want to pursue it, they can give a set of reasonable reasons.

When the police come, the bank will tell you "it's going through the process, it's not that you won't be allowed to take it", and the police can't do anything about it.

As for the prosecution, it is even more useless, and it is estimated that the step of filing a case will be difficult.

Banks also seem to have experience in this area, so they are confident.

"Xing, then I'll come back next Friday. I want to see what reason your bank can come up with!"

Jiang Bai put down a word coldly, turned around and left.

Didn't you say three to five working days? Well, I'll take the longest time and come after five working days.

You have no excuses, do you?

But it turns out that Jiang Bai still underestimated the shameless face of the bank.

Because when he came to the bank again a week later, he was told that the withdrawal appointment had not yet been approved!

"Mr. Jiang, you need to go through a lot of procedures to withdraw so much money at once."

This time Jiang Bai was invited into the VIP reception room and received by the VIP account manager.

It seems that the treatment has been improved, but for Jiang Bai, it is nothing more than changing someone to perfunctory him.

Jiang Bai took a deep breath and roared angrily: "It's been half a month! I just want to withdraw some money, but you have delayed me for half a month!"

"Then why didn't I use any procedures when I deposited money in?"

"Oh, now I want to withdraw money, I can't do this or that, what do you mean!"

The account manager explained: "Mr. Jiang, don't get me wrong, we didn't deliberately card you, it's because you want to withdraw too much money, and our bank also needs scheduling and coordination, otherwise there will be a shortage of funds..."

"Don't talk about it with me. The funding gap in your bank is something you should consider, and it has nothing to do with me!"

"All I know is that no bank may restrict depositors' deposits and withdrawals for any reason!"

"Half a month has passed since my first appointment. Now I ask your bank to withdraw my money immediately!"

Jiang Bai glared at the account manager with an extremely firm attitude.

"Mr. Jiang, I understand your feelings very well..."

"I don't need your understanding, I just want my money!" Jiang Bai directly interrupted the lobby manager and said, "Give me a clear answer, can I withdraw money today!"

"terribly sorry."

The account manager shook his head slowly.

Jiang Bai asked: "Then when can I get the money!?"

"This... depends on the actual situation, because there are a lot of customers who have withdrawn money recently, and it is really difficult for us to meet the needs of every customer who withdraws money."

Yes, it’s still a word trick.

Logically speaking, the bank would definitely not offend a big customer, unless the brains of everyone in the bank were kicked by donkeys.

But this bank shirks in every possible way, just not handling business for Jiang Bai.

This abnormal situation made him have some guesses.

Could it be... It's not that the bank doesn't want him to withdraw money, but that it simply can't come up with so much money!
To put it bluntly, a bank can actually be regarded as a commercial intermediary company.

On the one hand, it helps depositors keep their deposits.

On the other hand, banks also use these deposits to generate profits for themselves, most commonly by lending and investing.

This is understandable, after all, banks also want to make profits.

However, banks will have cash on hand to deal with the bank's own daily expenses, employee wages, and depositor withdrawals.

Depositors keep money in the bank, and the bank can use the money to lend or invest, it’s okay, but the premise is that you must ensure enough cash on hand, and you cannot say that you can’t get it out when someone else comes to withdraw the money.

Of course, if it is a large-amount withdrawal business of tens of millions, it is unrealistic for the bank to take out so much cash on the spot, so there is a process of making an appointment in advance.

Branch A does not have enough cash, so it can withdraw from branch B, or borrow from other banks with business cooperation. In short, your bank must ensure that depositors can withdraw their money smoothly.

It's nothing to wait for three to five days, but it's been half a month for Jiang Bai.

There must be a demon in the abnormal situation.

This also made Jiang Bai realize that if he didn't act in the real way, he might not be able to get the money if he waited another half a month.

Thinking of this, he directly gave an ultimatum: "I must get my money today, or I will sue you!"

"Hehe, then you go to sue."

The account manager smiled coldly, leaned on the chair and said slowly: "We have never lost a lawsuit!"

Jiang Bai's face darkened, and he was about to say something.

At this moment, the long-lost electronic synthesis sound sounded in my mind.

【Thump!You have a new event to be unlocked (click to view details)]

Fog grass!

What is a horse riding surprise!
The system that has been silent for a long time has finally reappeared. It seems that the bank's domineering behavior can't stand it anymore.

Then there is nothing to say.

Unlock!

check the details!

【Thump!The event "Difficult to withdraw money from the bank" has been unlocked]

[Event Name: Difficulty in withdrawing money from the bank]

[Basic situation: The host wants to take out the money stored in a certain bank, but the bank shirks it in every possible way and obstructs it. There must be something wrong with this matter...]

[Auxiliary props: 10 litigation funds]

【Current completion: 0%】

The corner of Jiang Bai's mouth was slightly raised, he glanced at the account manager, got up and walked out of the VIP reception room without saying anything.

Originally, the account manager was still hesitating whether he should call the security guard.

In the end, Jiang Bai left without saying anything.

"Ha ha……"

"I thought it was awesome, that's it?"

The account manager curled his lips in disdain.

After waiting for a while, he also got up and walked out of the reception room, went to the back and knocked on the door of the president's office.

"President, I have sent that Jiang Bai away, but before he left, he said that he would sue our bank."

Hearing this, the president "Fan Haitian", who had just passed his forties, frowned slightly.

Tapping the table with his knuckles lightly, he began to think.

"President, after all, Jiang Bai is not an ordinary person, he is specialized in this, will it be..." the account manager was a little worried.

"What about Jiang Bai?"

Fan Haitian sneered and said:

"All our operations are based on laws and rules to follow. Even if he really sues, the court may not file a case."

"Okay, I know about this, you go down."

Fan Haitian sent out the account manager.

Then he took out his mobile phone and dialed a number: "Xiaoyu, how is the return of your funds going?"

"You have to hurry up. I have a big client here who wants to withdraw more than 2000 million. I have tried to delay it as much as possible, but this is not the way."

"In short, you have to return the money quickly and plug this hole."

"Well, that's it."

After finishing speaking, Fan Haitian hung up the phone, threw the phone on the table, and pinched the space between his brows wearily.

Jiang Bai guessed right, there is indeed something strange about this matter.

Fan Haitian's brother-in-law had a shortage of funds in his business, so he asked his brother-in-law, who is the bank president, to use his position to embezzle 3000 million yuan from the bank for emergency.

Originally, Fan Haitian didn't want to, but he couldn't stand his wife being noisy at home, so he had no choice but to move the bank's money.

As long as the hole is filled within a certain period of time, it will be fine.

But what Fan Haitian didn't expect was that at this juncture, someone happened to want to withdraw a large sum of money.

If it is feasible, it is really impossible to spend so much money, so we can only drag it.

This is also a helpless move.

In fact, Fan Haitian regretted it a little at the moment, embezzling public funds is not a trivial matter, let alone 3000 million!
But it's useless to regret the matter so far, I can only drag Jiang Bai as much as possible on the one hand, and urge my brother-in-law on the other hand.

As long as my brother-in-law's funds are returned smoothly, this matter will pass without anyone noticing.

Afterwards, Fan Haitian came to the door to make amends when he was about to order commemorative coins for cigarettes and alcohol, and maybe he could keep this big customer.

Now the key is time!

……

the other side.

In a certain office building, a man in his thirties hung up the phone, rubbing his teeth in distress.

He is Fan Haitian's brother-in-law, Meng Yu.

The money was "borrowed" by him to fill the capital chain. He had promised Fan Haitian very well at the beginning, saying that he would be able to withdraw the funds within ten or eight days at most and fill in the holes.

But the actual situation was quite different from what he expected.

(End of this chapter)