#author("2021-06-12T16:50:45+09:00","","")
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in recent years, the bank, which has always shown itself as a "high cold" image, has been cheated by the "radish seal" frequently, as if it had become a "silly white sweet". Behind the amazing cases, the industry has also raised serious questions about the safety of bank risk control. Recently, a criminal judgment published by China judicial document network has revealed the inside story of a "radish seal" loan fraud case. In seven years, a trading company in Ningbo, Zhejiang Province, used fake seals and materials to defraud a joint-stock bank of more than 3.3 billion yuan in loans. During this period, although the bank was aware of it, it was soon covered up by "insiders". Industry insiders pointed out that the "radish seal" incident reflects the bank's negligence in internal compliance control and the lack of checks and balances on business and supervision. A bank has been cheated into lending more than 3.3 billion yuan in seven years according to a recent judgment published by China judicial document network, the former legal representative and chief financial officer of a trading company located in Ningbo City, Zhejiang Province, have fraudulently obtained 920 million yuan in loans from Zhenhai Branch of a joint-stock bank since 2008. At that time, the scam might have ended, because in July 2012, two tellers of the cheated Bank found a problem in the process of verification, but they were soon fooled by an account manager of the bank. It is worth noting that after the false seal was exposed, the customer manager only said that he might have stamped the wrong seal, and he would immediately re stamp it, and then he took away the relevant materials and did not report the matter. It's time for an account manager to pass the exam with such light descriptionWe can see the scale of the bank's risk control problems. By December 2014, the company successfully approved a loan of 2.24 billion yuan, and the customer manager received a total of 500000 yuan of "benefit fee". At the beginning of 2015, in order to repay a loan of factoring business which was about to mature, the legal person of the company used false materials to apply for a working capital loan from the bank again and succeeded in obtaining a loan of RMB 220 million. Later, due to the company's failure to repay the above-mentioned working capital loans on time, the east window incident occurred, and the joint-stock bank Ningbo Branch sued the company to Ningbo intermediate people's court. So far, the joint-stock bank has been cheated into lending more than 3.3 billion yuan. According to the judgment, the company's legal representative and chief financial officer were sentenced to five years and four years and six months respectively, and the company was fined 30.1 million yuan. Although the above-mentioned bank account manager returned the benefit fee in full at the end of 2014, he was still sentenced to four years and six months' imprisonment for the crime of defrauding loans and bribery of non-state staff. There are many "unspeakable secrets" the importance of an official seal in the materials is self-evident. In the view of industry insiders, the fact that banks with risk control as the first priority are cheated by fake seals is not because of the superb means of manufacturing fake seals, but mostly because there are too many "unspeakable secrets" between banks and partners. For example, in the fake official seal incident of Guohai Securities, which caused a rift of trust in the bond market at the end of 2016, more than 20 banks and securities companies holding bonds on behalf of others were involved. reason whySome analysts have pointed out that one of the possible reasons for holding bonds on behalf of others is that one of the positions is full, but he is optimistic about a bond; the other is to increase leverage to obtain higher yield; the third is to move accounts to modify financial statements. Especially at the end of the quarter and other key time points, in order to cover up the loss of bond investment, some institutions transfer this part of the loss to other institutions in the way of holding. After the incident, this kind of inter agency tacit practice was broken. Almost at the same time, another black swan event branded the word "radish chapter" deeply in people's minds. It was also at the end of 2016 that the "Qiaoxing debt" incident broke out, exposing the cases of collusion between employees of Huizhou Branch of Guangfa bank and personnel of Qiaoxing group, private engraving of official seal and illegal guarantee, involving about 12 billion yuan. One year later, Guangfa was fined 722 million yuan, making it the first time in history that the amount of the ticket exceeded 100 million yuan. Before the regulatory ticket was issued, zhaocaibao and Guangfa bank kept shouting across the air, which also made the market question "who is lying". Some cases are still in a protracted tug of war, which makes the outside world even more confused. Recently, Jiangyin rural commercial bank announced that its subsidiary Xuanhan Chengmin village bank lost the lawsuit with Hengfeng bank. However, Xuanhan Chengmin village bank believed that the basic facts on which the judgment was based were insufficient and would immediately appeal in accordance with the law. The core of the dispute between the two sides is the bill. Hengfeng bank claimed that the other party failed to perform the contract on time and repurchase the bill, causing its own losses. Jiangyin rural commercial bank countered that the official seal was forged by Hengfeng bank. Hengfeng also countered that Jiangyin rural commercial bank was "subjective" and pointed out that Xuan HanchengSenior executives of mincun bank were convicted of bribery. According to incomplete statistics, similar incidents in recent years include the "feidan" incident involving the 1 billion yuan financial management fund of Industrial Bank of China, involving the "false official seal", and the "radish seal" of Chengdu Wuhou Branch of Agricultural Bank of China, etc. Most banks have actually rectified to a deeper level, people in the industry pointed out that the official seal can be engraved in private, but a large number of bills transfer, capital transfer and transactions carried out by using the venues of financial institutions have not attracted the attention of financial institutions, which reflects the oversight and lack of management of the compliance internal control departments of some financial institutions Lack of checks and balances and supervision of business departments. According to analysts, as of the first quarter of this year, the scale of domestic and foreign currency assets of banking financial institutions was 256 trillion yuan, and the amount involved in the above-mentioned risk events was only a drop in the bucket, but risk control is the lifeline of banks, so the risk tolerance of commercial banks should be lower. Li Honghan, a researcher at the financial co creation center of Central South University of economics and law, told Beijing Business Daily that the "radish chapter" incident reflects that commercial banks still need to strengthen and make up for the previous internal control measures. Wang Deyi, a lawyer from Beijing xunzhen law firm, pointed out that some banks do not manage their internal staff properly. Some internal staff of banks take advantage of loopholes in management to engage in illegal trading activities, causing economic losses to customers. Banks may also bear the responsibility of compensation due to poor management, and seriously damage the commercial credit of banks. Frequent occurrence of "radish chapter"It also makes regulators and banks put risk control in a more important position. Li Honghan said that at present, the risk control of banks has been quite strict. In particular, the regulatory authorities have issued a number of regulations on the assumption of risks and internal control of commercial banks. These regulations have strict requirements on the "radish chapter" incident, so now the risk control has been generally strengthened, and the "radish chapter" incident has gradually decreased. Wang Deyi further said that at present, many banks have taken practical rectification measures. The seals of many sub branches or branches have been taken back by superior banks. In daily business, a large number of electronic seals are used, traditional seals are reduced, and the signing and approval system is strictly enforced. Beijing Business Daily reporter Cheng WeiMiao (editor in chief: Li Dong, Zhao Shuang)
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