"There are two types mentioned earlier, and there is another one, that is, if you open a bank card, of course it is a new card, the money will be in your card, and you will transfer it to a fixed period." Brother Wang said, "This kind of thing, I will discuss it with you in advance.
It's agreed that you can open a card and deposit money, but you will be asked to do one more thing, which is to pull a statement after depositing the money.
"I'm telling you, it's because the money is not allowed to be queried, but you are allowed to pull the statement once. If you pull the statement, can't you see the money on your own card? With this statement, of course, people who save money will
Very willing to accept.
"Actually, when you went to open a card and deposit money, the teller already had a transfer form that we filled out in advance and gave it to her. Didn't you write a letter of commitment? Just imitate your handwriting and sign the transfer form.
"After the money is deposited, you pull the statement once to confirm that the money is on your card, and you feel relieved. Then, the teller gives you instructions to enter your password again and again. If you ask, they will tell you that this is a change from current deposit to fixed term.
.However, most depositors will not ask, and will follow the instructions, thinking that they are doing a current deposit transfer.
"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 businesses, nor have you
There will be a text message to remind you."
Brother Wang looked at Yu Wenhao and said, "Do you understand? The so-called money disappears after it enters the bank. It disappears like this. The bank's insider is operating it."
Yu Wenhao sighed: "It's really hard to guard against."
"In fact, it's easy to guard against. As long as you are not greedy, don't listen to the lies of middlemen, saying that banks in certain places have high interest rates and just ask you to deposit." Brother Wang said, "The interest rates on deposits are stipulated by the People's Bank of China, and there is room for fluctuation.
It’s limited. Every bank is similar. There’s no such thing as a higher interest rate. When I say higher, it definitely refers to other discounts. If you want to be greedy for this, you’ll be trapped.”
"I understand." Yu Wenhao said.
"This is just one way to prevent fraud. Just don't be greedy, otherwise it's really impossible to guard against it."
Brother Wang yawned as he spoke and smiled to himself: "Why do you still call yourself sleepy?"
Yu Wen said with a smile: "Isn't that too much?"
"Yes, there are indeed too many words to say. These procedures need to be taught to the bank tellers over and over again."
Brother Wang yawned again and continued:
"Don't think how smart you are. Anyone who wants to defraud you of your money will definitely have more tricks than you. For example, now, I'm telling you that I want you to go to any branch of the bank I designate across the country.
, you can freely open an account and make deposits freely.
"After depositing the money, show me a screenshot of the online banking, and then I will give you an interest discount. You can write a letter of commitment in person and give it to me along with a copy of your ID card.
"Do you think this is definitely safe? No, I will still withdraw your money and transfer all your money through a third-party platform, just like deducting utility bills. It's 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.
"Haha, I won't tell you how to do this. Anyway, be careful and don't just write random receipts or letters of commitment to others just to get discount interest. As I said, you have to save money.
, just go to the bank honestly and follow the procedures. If there is an extra procedure, such as asking you to pull a statement, you have to be careful, there must be something fishy."
"I learned it," Yu Wenhao said.
"This is personal money, as well as public account money, that is, the company's deposits. How come there is no money? Do you want to listen?" Brother Wang asked.
"If you want, Brother Wang, tell me and I will learn another move."
"Okay, to make the company's deposits, one premise is that there are insiders in this company, and they get benefits from it. If there are no benefits, it is impossible to come. For example, a company in Shanghai does not have a branch in Hangzhou.
Why would he go to Hangzhou to make deposits, right? Anyone who can spread the company's deposits across the country must have someone taking advantage of them.
"This, whether it is sunshine business, like the impulse deposit I made in Wuhu last time, or non-sunshine business, it is the same. The difference is that for sunshine business, they take less benefits, while for non-sunshine business, they take it very harshly
, generally you have to get 20%.
"How to do this, there were two ways in the past. One is the same. When opening an account, the teller secretly opened online banking without giving you the USB shield. You can withdraw your money through online banking. The other one is before opening an account.
, we will first prepare a set of account opening procedures for your company, including a full set of seals.
"This is why before opening an account, I asked you to take a photo of your account opening information and send it to me. When you went to the counter to open an account, the teller changed the entire set of procedures, including the seal card, and used the seal we prepared.
.Only the seal card given to you has your own seal stamped on it, so that you will not be suspicious.
"But in fact, your set of real seals is already fake in the bank at this time. On the contrary, our set of seals is real, and the ones uploaded and saved are also this set of seals. What's next?
It’s not easy. After the account is activated and your money is transferred in, I can go to the counter with this set of seals and transfer it however I want, and transfer your account directly to empty space.
"This was before, but we don't do this anymore. Your money will not be transferred away, it will remain in your account, it will just be pledged. As I said before, use your money to pawn
Making a deposit, opening a one-to-one deposit and withdrawal, or using a third-party guarantee to make a pledge loan. These are all low-risk businesses in banks and do not need to be reported to the superior bank for approval. They can be done directly.
"Although your money is still in your account, the initiative is no longer in your hands. If the company that used the money can close the position when the time comes, that's fine, you can still get your money back. If the company cannot close the position, the bank will
I will deduct the money directly from you. The 2.8 billion Bohai Bank incident involved just doing this business, and the relevant personnel on the capital side also got benefits, which is a piece of cake.
"What's even more ruthless is that the financial personnel on the financing side clearly know what kind of business you are doing and that you have pledged the money, but they pretend not to see it and do whatever you want, as long as you give him a higher point.
I know there was a businessman who had a multi-billion dollar deal, and he did just that. After he got the benefits, he resigned and went abroad. He didn't care about the rest of the business, and it was his old employer and bank that took care of it.
"There are also people, corporate insiders, financial personnel or leaders. They also know about it, but they are more cautious and ask to check whether the company you are using the money from has the ability to repay.
"At this time, we will find a company here, not one like the one I first met in Beijing, whose name makes you think it is a state-owned enterprise and related to CICC. But if you check, among its shareholders, there are really
There are shares in state-owned enterprises such as China Railway and China Communications Construction Company, and they are also their subsidiaries.
"Actually, no. When registering, the information and seals of China Railway and China Communications Construction Co., Ltd. were all forged. This kind of company is the fake company advertised on the home page of the CICC website. How did the funder know? When he saw China Railway Communications and Communications Corporation
A subsidiary of a state-owned enterprise, so why should you worry? Just open your eyes and close your eyes. You can use this money as a deposit and you can just pay it back when the time comes.
"Actually, where can a company like Li Gui come from? His purpose of registering such a fake company is to pull the flag and do such messy things. As soon as he gets the money, the boss will run away immediately.
Already.
"Let me tell you, Xiaoyu, I am most afraid of this kind of company. When they see this kind of company, others are very happy and think it is a state-owned enterprise. It is reliable. I know it is fake and stay away from this kind of company.
, his intentions were evil from the beginning, and he planned to do bad things from the moment he was preparing to register. He is waiting for you to take the bait, and you still bite the bait. Who will die if you don’t die? You are seeking death yourself."
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