"These people are so courageous. Even if I had ten more courages, I wouldn't dare to do such a thing." Yu Wenhao said, "Don't they know that if this continues, sooner or later there will be a thunderstorm?"
"Of course I know, but there is no other way. The bubbles are blowing bigger and bigger. Haihang's assets have reached one trillion, and Hengda's assets have reached 1.9 trillion, almost two trillion. Two trillion
What is the concept? Hangzhou sells so much land, and its annual fiscal revenue is only more than 200 billion. Shanghai has the highest revenue, which is only more than 700 billion. Two trillion is the total annual fiscal revenue of Beijing, Shanghai, Guangzhou and Shenzhen.
"With such a big bubble, even if you give him a billion or two billion, it will be useless. If you throw it in and there won't even be a splash, what else can he do? He can only continue to blow bubbles. Even if he knows that he is committing suicide slowly,
There is no way, we can’t stop the car, the brakes have failed, there is no other way except government intervention.”
Brother Wang said and sighed: "This is a money game for the big ones, and the same for the small ones. Everyone is playing with their lives. Then the bold ones will be beaten to death, and the timid ones will be killed. In the end, their fate will be the same. This
You can’t imagine how deep the water is. By the way, have you ever heard of fake banks?”
"Fake bank? Is there anyone else doing this?" Yu Wenhao asked.
"Yes, there is one in Nanjing called Mengxin Rural Economic Information Cooperative. It is actually a professional economic cooperative for farmers that helps each other and benefits each other. It is not even a company. They rented a storefront room in the busy city of Pukou, Nanjing, and then decorated it and
Banks are exactly the same.
"Like a bank, there is a bulletproof glass counter. On the counter, there is an LED display that scrolls various deposit and loan interest rates. There is a number calling machine in the lobby, and there are stainless steel chairs like those in 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.
"Their process is the same as that of a bank, and they also have deposit certificates. What's weird about them is that they basically don't do business for Nanjing locals. They're afraid that you'll always have to withdraw money or ask around, which will be very troublesome.
They work through middlemen and specialize in the business of small business owners from Zhejiang, especially those in Shaoxing, Yiwu and Luqiao.
"The interest they give is very high. For one-year fixed deposits, in addition to the interest on normal bank time deposits, there is also a discount of 15 to 18 percent. Such high interest is definitely a good thing for those depositors.
It's very attractive to them. Of course, when you go to them to make a deposit, you will also be asked to sign something "No Commitment".
"The middleman took the depositors there to make deposits. When the depositors entered, they saw that the scene was exactly the same as the rural credit cooperatives they were used to. How could they not believe it? They must have believed it. They didn't know that this was an information cooperative, wasn't it?
The difference between "credit union" and "credit union" is a thousand miles. Credit unions have financial licenses, but they don't have this shit.
"In order to make people believe them, they have another trick: They say they can accept bank cashier's checks into their account. The cashier's check is issued by the bank and promises to unconditionally pay the determined amount to the payee or holder when the check is presented.
Bill. In other words, the promissory note can realize the direct flow of funds between banks. The entry of the promissory note into the account is a formal inter-bank behavior.
"What these depositors don't know is that the so-called deposit is just to hand over the money to their cooperative, and the deposit certificate they get is fake. When the so-called cashier's check is entered into the account, they only receive the check, not the witness. All the money
, they all entered into the personal accounts of a few people, and in more than a year, they got more than 400 million in so-called deposits. They used this money to go into real estate.
"As I said before, even in the real estate business, there is no such high profit. In the end, there is no new large amount of so-called deposits, but here we have fixed deposits for one year. The so-called deposits have expired again, and people have to come and withdraw them.
Where are they going to get the money? People who didn't get the money will definitely make a fuss. After the fuss, the police came to investigate and found out that this was a 'fake bank.'"
"You're really good at playing." Yu Wenhao sighed.
"You know how to play, right?" Brother Wang said with a smile, "You ended up playing to death."
Yu Wenhao asked: "This is a fake bank. What about those real banks? How come the money is gone when it is deposited in it?"
"Well, haha, let me tell you, there are only two reasons. Don't look at those savers who don't have any money. They cry and fight. They seem innocent. In fact, they are not innocent at all. They suffer because they are too greedy.
If you were not greedy and went to the bank to deposit money normally, how could you have lost all your money? It is greed that leads to this result.
"None of those depositors who are complaining that they have lost their money have not taken the so-called high discount interest and written something unpromising to others. Less than, when you go to the bank to deposit money, will the bank ask you to do so?
Don’t open online banking and all electronic businesses, don’t make inquiries, don’t make early withdrawals, etc.?”
Brother Wang asked, and Yu Wenhao said: "This will definitely not happen."
"Yes, even if you have deposited regularly and you need the money urgently, you can withdraw it right away, as long as you sacrifice the regular interest, right?"
Say hello correctly.
"So, the bank is still very safe. As long as you don't do those messy things, there will definitely be no problem. Then let me tell you how and why those people don't have their money."
Brother Wang said, but stopped and took a sip of water before continuing.
"To do this business, I mean personal money, it must be collusion between people in the bank. There should be no more than two people, one is the teller at the counter, and the other is the accounting supervisor, because when transferring money, authorization from the accounting supervisor is required
, and generally banks that can do this are basically composed of the president and two people below, or one person at the counter.
"If the accounting supervisor is sloppy and does not carefully check with depositors one by one, the accounting supervisor does not need to be one of his own, but in ordinary banks, the accounting supervisor will not check with depositors face to face, and there is no such requirement.
"Before starting this business, the middleman will ask the depositors to write a few letters of non-commitment first. He will pay you the interest discount and you go to the bank to deposit money. The process design is relatively low-level and will require you to go to a designated counter. In fact, it is
If it's not necessary, we can do it.
"When you came to the bank, the middleman must have been with you. Didn't you get the interest discount? If he wasn't with you, what if you took the money and ran away without making a deposit? He must be with you. I know.
If you want to come, we will arrange for people to do business at other windows first. They are full, and they are doing the time-consuming business of opening new cards.
"My own people are not at the counter if they have something to do at this time. When you arrive, she sits in. It just so happens that her counter is the only one that is free. You must come to her to handle it, right? That's equivalent to
There is no designated counter, but we guide you to the designated counter so that you will not be wary.
"You start saving money. At this time, there are three ways to transfer your money. One is that you have not opened online banking or online business, but during the actual application, the person at the counter has opened online banking, but the USB shield is not given.
You, after you left, your money was transferred using online banking.
"Of course, this is an earlier approach, and it also requires that you have not opened online banking before. If you have, it will not work. The process will be redesigned later. You sit down and start saving money. Do you think you are converting current deposits to current deposits?
Regularly, follow the teller's instructions and enter your password again and again. In fact, what you are doing is a transfer business. After you finish the operation, your money is actually gone and has been transferred."
"That's not right." Yu Wenhao said, "I have a fixed deposit, so don't I need a certificate of deposit?"
"Yes, you need a deposit receipt." Brother Wang said, "At this time, the teller will give you a deposit receipt, but what you got is actually a fake deposit receipt printed in advance. Didn't you write a letter of commitment? Your name and
We all know the amount we need to deposit, so we just need to prepare the fake deposit receipt, leave it with the teller, and then give it to you."