Roaming in the dark night

Chapter 109
"These people are so courageous. If you lend me ten guts, I wouldn't dare to do such a thing." Yu Wenhao said, "They don't know if this continues, there will be a thunderstorm sooner or later?"

"Of course I know, but there is nothing I can do. The bubble is getting bigger and bigger. For example, the asset scale of Haihang has reached 2000 trillion, and the asset scale of Hengda has reached 7000 trillion, which is almost [-] trillion. [-] trillion What is the concept? Hangzhou sells so much land, and its annual fiscal revenue is only more than [-] billion. Shanghai is the highest, only more than [-] billion. Two trillion, which is the sum of the annual fiscal revenue of Beijing, Shanghai, Guangzhou and Shenzhen.

"Such a big bubble, even if you give him one billion or two billion, it's useless. What else can he do if he throws it in without even a splash? The only thing he can do is keep blowing bubbles. He knows that he is committing suicide slowly, but he doesn't There is no way to stop the car, the brakes have failed, and there is no other way except government intervention."

Brother Wang said with a sigh: "This is a game of money. The big ones are the same, and the small ones are the same. Everyone is risking their lives. Then the brave ones are killed, and the timid ones are pinned down. In the end, the fate is the same. You can't imagine how deep the water is in one line. By the way, have you ever heard of a fake bank?"

"Fake bank? Does anyone else do this?" Yu Wenhao asked.

"Yes, there is one in Nanjing, called Mengxin Rural Economic Information Cooperative, which is actually a mutual aid and mutual benefit farmers' professional economic cooperative. It is not even a company. They rent a storefront in the downtown area of ​​Pukou, Nanjing, and then decorate the interior, and Banks are exactly the same.

"Like a bank, there is a counter with bulletproof glass. On the counter, there is an LED display screen, which scrolls and plays various deposit and loan interest rates. In the lobby, there are call machines, and there are stainless steel chairs like the bank lobby. There are security guards and a lobby manager. All the staff wear the same uniforms as bank employees. When you walk in, it feels like a bank.

"Including their procedures, they are the same as banks, and they also have deposit certificates. Then, they are weird because they basically don't do business with local people in Nanjing. I'm afraid that you will always go to withdraw money, or ask around, which will be very troublesome. Through middlemen, they specialize in the business of those small bosses from Zhejiang, especially those in Shaoxing, Yiwu and Luqiao.

"The interest they give is very high. In addition to the normal bank fixed deposit interest, there is also a 15.00% to [-]% discount for one-year fixed deposit. Such a high interest must be very attractive to those depositors. Ah. Of course, if you go to them to make a deposit, you will also be required to sign the four non-commitments.

"The intermediary took the depositors to make deposits, and the depositors entered there. When they saw the scene, it was exactly the same as the rural credit cooperatives they were used to. How could they not believe it? Surely, they didn't know. This is an information cooperative, isn't it? Credit unions are one word apart, and they are hundreds of thousands of miles away. Credit unions have financial licenses, and this fart doesn't exist.

"In order to make people believe them, they have another trick, saying that they can accept bank cashier's checks. The cashier's check is issued by the bank and promises to pay a certain amount to the payee or bearer unconditionally at the time of seeing the check. Notes. That is to say, the promissory note can realize the direct flow of funds between banks, and the entry of the promissory note is a formal inter-bank behavior.

"What these depositors don't know is that the so-called deposits are just handing over the money to their cooperatives, and the deposit certificates they get are fake. The so-called promissory notes are recorded in the account, they just receive the checks, not the party who sees them. All the money , They all went into the personal accounts of several people, and in more than a year, they got more than [-] million so-called deposits. They took this money and started real estate.

"As I said before, even in real estate, there is no such high profit. In the end, there is no new large amount of so-called deposits brought in, but here is a one-year fixed deposit, and the so-called deposit expires again, and people want to withdraw it. Now, where are they going to get the money? Those who didn’t get the money will definitely make a fuss. After the fuss, the police came to check and found out that this is a ‘fake bank.’”

"I really know how to play." Yu Wenhao sighed.

"Can you play?" Brother Wang said with a smile, "In the end, he played himself to death."

Yu Wenhao asked: "This is a fake bank, but in those real banks, how can the money disappear after depositing it?"

"Well, haha, let me tell you, there are two reasons. Don't look at those depositors who don't have money, crying and grabbing the ground, as if they are innocent. In fact, they are not innocent at all. They suffer because they are too greedy. If you are not greedy and go to the bank to save money normally, how can you lose your money? This is the result of greed.

"Those depositors who are saying that they have no money, there is no such thing as taking the so-called high interest discounts and writing some nonsense to others. Less than, if you go to the bank to save money, will the bank ask you to save money?" Don't open online banking and all electronic services, don't inquire, don't withdraw in advance?"

Brother Wang asked, and Yu Wenhao said, "This is definitely not the case."

"That's right, even if you have a regular deposit and you need the money urgently, you can withdraw it right away, as long as you sacrifice the regular interest, right?"

Yu Wenhao said yes.

"So, the bank is still very safe. As long as you don't do those messy things yourself, there will be no problem. Then let me talk about how and why those people don't have money."

Brother Wang stopped talking and took a sip of water before continuing.

"For this business, I mean personal money. It must be the collusion of people in the bank. Not too many, at most two people, one is the teller at the counter, and the other is the accounting supervisor, because when transferring money, the accounting supervisor needs authorization. , and generally the banks that can do this are basically configured by the president and the two people below, or one person at the counter.

"If the accountant supervisor is sloppy and doesn't check carefully with the depositors one by one, the accountant supervisor does not need to be one of his own people, but in general banks, the accountant supervisor will not check with the depositors face to face, and there is no such requirement.

"Before doing this business, the middleman will ask the depositor to write a letter of non-commitment first, and he will pay you the interest discount, and you will go to the bank to deposit the money. The process design is relatively low-level, and you will be asked to go to the designated counter. No need, we can do tricks.

"When you came to the bank, the middleman must be with you. Didn't you take the discounted interest and not be with you? What if you ran away with the money and didn't make a deposit? I must be with you. I know If you want to come, we will arrange people to do business at other windows first. They are full, and it is time-consuming business for new card opening.

"At this time, my own person has something to go away. She is not at the counter. When you arrive, she sits in. It just so happens that she is the only counter that is free. You must come to her to handle it, right? Equal There is no designated counter, but it leads you to the designated counter so that you will not be wary.

"You start to save money. At this time, there are three ways to transfer your money. One is that you have not opened online banking and online business, but in the actual process, the person at the counter opened the online banking, but the USB shield did not give you money. You, after you leave, your money is transferred through online banking.

"Of course, this is a relatively early practice, and you have never opened online banking before. If you have, it will not work. The process will be redesigned later. You sit down and start saving money. You think you are converting your current account to Regularly, according to the instructions of the teller, enter the password again and again, in fact, what you are doing is the business of transferring money, after you finish the operation, your money is actually gone and has been transferred away.”

"That's not right." Yu Wenhao said, "I have a fixed deposit, so don't I need a certificate of deposit?"

"Yes, there must be a deposit receipt." Wang Ge said, "At this time, the teller will give you a deposit receipt, but what you get is actually a pre-printed fake deposit receipt. Didn't you write a letter of commitment? Your name and I know the amount to be deposited, just make a fake deposit receipt and put it at the teller, and I will show it to you at this time."

"I'll go!" Yu Wenhao cursed.

(End of this chapter)