Roaming in the dark night

Chapter 110 Emerging in an endless stream
"There are two kinds mentioned above, and there is another kind, that is, you have opened a bank card. Of course, it is a new card. The money is in your card, and it has been transferred regularly." Wang Ge said, "For this kind, we will contact you in advance. If you agree, you will open a card to deposit money, but you will be asked to do one more thing, which is to issue a statement after depositing the money.

"Speaking of which, it is because the money is not allowed to be checked, but you are allowed to pull out the statement once, and when you pull out the statement, can you see that the money is on your own card? Such a statement, of course, the person who saves money very willing to accept.

"Actually, when you went to open the card to deposit money, there was already a transfer slip that we filled out and gave to her at the teller. Didn't you write a letter of commitment? Just imitate your handwriting and sign on the transfer slip.

"After the money is deposited, you pull the statement to confirm that the money is on your card, so you can rest assured. Then, the teller will give you instructions to enter the password again and again. If you want to ask, they will tell you that this is a current account transfer. However, most depositors would not ask any questions, and would follow the instructions, thinking that at this time they were transferring from current deposit to fixed deposit.

"Actually, what the teller is doing at this time is the transfer procedure. You press the password again and again to transfer your own money from the card to other people's accounts. Because you haven't opened all electronic services, and you don't There will be a text message to remind you."

Brother Wang looked at Yu Wenhao and said, "Understood, the so-called money disappears after entering the bank, that's how it disappears, the bank's insider is operating."

Yu Wenhao sighed: "It's really hard to guard against."

"Actually, it's easy to guard against. As long as you are not greedy, don't listen to middlemen fooling you, saying that some local banks have high interest rates, and let you deposit." Wang Ge said, "Deposit interest is regulated by the People's Bank of China, and there is room for fluctuations." Limited, every bank is about the same, there is no such thing as higher interest rates. Higher rates must refer to additional interest discounts.

"Understood." Yu Wenhao said.

"This is a trick to prevent fraud. Just don't be greedy, otherwise it is really impossible to guard against."

Brother Wang yawned as he spoke, and smiled self-deprecatingly: "Why do you still call yourself sleepy?"

Yu Wen laughed and said, "Have you talked too much?"

"Yes, it is indeed too much to say. These procedures have to be taught to the tellers of the bank over and over again."

Brother Wang yawned again and continued:
"Don't think how smart you are. If you want to cheat you, you will definitely have more tricks than you. For example, now, I tell you, let you go to all parts of the country, as long as I designate this bank, all branches in various places are fine. , You go to open an account freely and make deposits freely.

"After depositing the money, show me the screenshot of the online banking, and then I will give you a discount. You can write a letter of commitment in person, and just give me the letter of commitment and a copy of your ID card.

"Do you think this is definitely safe? No, I will still take your money away, and transfer all your money through a third-party platform, like deducting utility bills. It is useless for you to go to the bank , the bank is not at fault, they will tell you that you authorized the third-party platform to deduct the money yourself.

"Haha, how this is done, I won't tell you here. Anyway, be careful, don't just write receipts or commitment letters to others just to get some discount. As I said, save money , Go to the bank honestly, just follow the procedures, if there is any extra procedure, such as asking you to pull the statement, you have to be careful, there must be something tricky."

"I learned it." Yu Wenhao said.

"This is personal money, and there is money from public accounts, that is, deposits from the unit. How can there be no one? Do you want to hear it?" Wang Ge asked.

"If you want, Brother Wang, tell me, I'll learn another trick."

"Well, to make the deposit from the unit, one prerequisite is that the unit has insiders, and they get benefits from it. If there is no benefit, it is impossible to come. For example, the company in Shanghai has no branch in Hangzhou. How could he come to Hangzhou to make deposits, right? Those who can put unit deposits all over the country must be benefited by someone from them.

"It doesn't matter if it's the sunshine business, like the impulse deposit I made last time in Wuhu. It's the same for the non-sunshine business. The difference is that the sunshine business takes less benefits, while the non-sunshine business takes it very hard. , generally get 20.00%.

"How to do this, there are two methods in the past. One is the same. When opening an account, the teller secretly opens the online banking, and the USB shield is not given to you. You can withdraw your money through the online banking. The other is before opening the account. , we will first prepare a set of account opening procedures for your company, including a full set of seals.

"That's why I asked you to take a photo of your account opening information before opening an account. When you went to the counter to go through the account opening procedures, the teller replaced the whole set of procedures, including the signature card, using the signature we prepared. .Only on the signature card given to you, stamp your own seal, so that you will not doubt it.

"But in fact, at this time, your set of real seals is already fake in the bank, but our set of seals is real, and the uploaded and stored photos are also this set of seals. It's not easy, the account is activated, and after your money comes in, I will use this set of seals to go to the counter, and transfer it as I want, and transfer your account directly to empty.

"This was in the past. If you don't do it now, your money will not be transferred away, and it will remain in your account, but it will be pledged. As I said before, use your money to pawn Make deposits, one-to-one deposits, or third-party guarantees, and do pledge loans. These are low-risk businesses in the bank, and they can be done directly without reporting to the superior bank for approval.

"Although your money is still in your account, in fact, the initiative is no longer in your hands. If the company that uses the money can close the position in time, then it's okay, and your money can go back. If you can't close the position, the bank Just deduct your money directly. The 28 billion turmoil of Bohai Bank was done for this business, and the relevant personnel of the fund side also took advantage, which is a mess.

"What's more ruthless is the financial staff of the capital side. He knows what business you are doing and knows that you have pledged the money. He pretends not to see it. You can do whatever you want, as long as you give him a higher position. I know that there is an order worth billions of dollars, and that’s exactly what he did. After he got the benefits, he resigned and went abroad. He didn’t care about the rest of the matter. It was his original unit and the bank.

"In addition, there are people, insiders, financial personnel or leaders of the company. They also know about it, but they will be more cautious and ask to check your company that uses the money to see if it has the ability to repay the loan.

"At this time, we will find a company here. It is not the kind of company that I first encountered in Beijing. The name makes you think it is a state-owned enterprise and is related to CICC. You should check it. Among its shareholders, there are really There are shares in state-owned enterprises such as China Railway and China Communications Corporation, which are also their subsidiaries.

"Actually not. During the registration, the materials and seals of China Railway China Communications Co., Ltd., etc. were forged. This kind of company is the fake company announced on the homepage of CICC's website. How did the funder know? He saw China Railway China Communications Corporation. Subsidiaries, state-owned enterprises, then there is nothing to worry about, just open your eyes and close your eyes, it is up to you to use this money as a deposit, and you can just return it when the time comes.

"Actually, how can this kind of Li Gui company come out? His purpose of registering this fake company is to spread the banner and do such messy things. As soon as the money is in hand, the boss will run away immediately. up.

"Let me tell you, Xiao Yu, I am most afraid of this kind of company. When they see this kind of company, people are very happy, and they think it is a state-owned enterprise, and it is reliable. I know it is a fake and hide away. , From the very beginning, he had bad intentions. He planned to do bad things from the time he was preparing to register. He is waiting for you to take the bait, but you are still going to bite the bait. If you don’t die, who will die? You are looking for death.”

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(End of this chapter)