Stealing 70 million to coal bosses and buying dozens of postal savings accountants

Linfen City, Shanxi Province, recently exposed a bizarre case of stolen depositors depositing more than 70 million deposits of more than 70 depositors were stolen, lent to the coal boss investment, resulting in investment failure, leading to the incident. The director of 8 savings offices under the Linfen Post Office and more than 20 savings tellers were involved in the case, and dozens of postal escorts were sentenced.

On the 25th of each month, Xiao Han is not willing to spend the day. On this day, she will ask for leave to report to the police station of Linyi City Public Security Bureau Nanjie. Because of "misappropriation of public funds," she was sentenced by the court to a suspended sentence of two years. In these two years, she could not leave Linyi City at will.

Xiao Han: See the film police who manages us and know that I was in Linyi. I didn't go out on the line. People said that if you are traveling far away, you have to call us for leave.

Reporter: Can't you leave Linyi in these two years?

Xiao Han: He said that I can't go to other places. If I want to go to Beijing or Taiyuan, I have to call him. I don't need to go to the downtown area.

Two years ago, Xiao Han was still a savings accountant at the Xiangyang Road Savings Office of Linyi Post Office. The judgment of the Yicheng County Court of Linyi City determined that Xiao Han had misappropriated more than 1.6 million depositors deposits during his time as a salesperson. The verdict describes her crime as this:

Judge: As a state-owned postal savings worker, he was mobilized for work and was instructed by the relevant leaders to violate the relevant provisions of savings deposits, violated the regulations, misappropriated the name of the depositor, and misappropriated depositors' deposits for use by others. The amount involved amounted to 1.69 million yuan. Constituted the crime of embezzlement.

In the savings house where Xiao Han is located, all five squatters involved in the case were sentenced. A stunner who was surnamed was sentenced to 6 years imprisonment for misappropriating more than 13 million yuan. Wu Mo and Ren, the guarantors of the other two savings offices, were sentenced to five and a half years and five years’ imprisonment for their misappropriation of more than RMB 10 million. The 8 postal savings offices involved in the case were spread all over the city, and more than 30 people were sentenced, most of which were probation.

According to the court’s judgment, the time spent on embezzlement mostly occurred between May 2005 and October 2007.

Why do so many people misappropriate public funds at the same time? In fact, this is all related to someone named Cui Ying.

Cui Ying, female, 40 years old, assistant to the director of the original marketing branch of Linyi Post Office.

Xiao Han said that she and all the people involved were depositors who had been withdrawn from the bank's advice.

Xiao Han: Cui Ying called the office and asked the director if you have money. I give you an account from which you transfer to that account.

Xiao Han said that these deposits were transferred in batches and in the form of transfers to the account designated by Cui Ying; or cash was withdrawn and handed over to the person sent by Cui Ying.

Xiao Han: The director asked the girl to get three or four hundred thousand from two accounts. We ordered it well and tied it up. Cui Ying arranged for someone to come and wait outside.

In this way, over a period of more than two years, Cui Ying instructed the director and general salesperson of the eight savings agencies under the Linfen Post Bureau's original marketing branch to privately take away depositors' deposits to over 73 million yuan.

Well, this is the name of the assistant director of the Marketing Bureau of Linyi Post Office called Cui Ying. Why should he take so much money from the savings account? From Cui Ying to the director of various savings agencies, how do they manage dozens of tellers? In the judge's judgment, the reporter found the answer.

It turned out that the money that Cui Ying instructed the various postal savings outlets to secretly steal was in fact loaned to a coal boss named Di Xiaowa.

When she was interviewed, Cui Ying said that she and De Xiaowa were friends. In 2005, Di Xiaowa purchased a coal mine in installments. Later, when the money was not enough, Cui Ying helped Cui Ying solve some of the funds. At that time, postal savings could not be loaned, and funds could not be obtained through normal procedures. Cui Ying and Di Xiaowa looked at depositors' deposits.

Therefore, Cui Ying, either through other people or by himself, absorbed a large number of depositors, and then secretly removed deposits of these depositors in the above manner, and then lent De Xiaowa to invest in coal mines.

A responsible person in charge of the savings office said that with the advice of Cui Ying, the amount of money taken from the saver's account is as low as 50,000 and as many as several hundred thousand each time. The person who came to collect cash was the driver and accountant of coal owner Di Xiaowa.

The person in charge of the savings office: Every time he tells us what the banker is with her, her friend's money is not in these two days. You took it for me. The court said that the person who took the money is the driver of the person who opened the coal kiln.

According to the financial management regulations, the withdrawal of money requires an account, password, and ID number, and the bank staff can never know the password of the depositor and use it to withdraw money. Cui Ying and the staff of the savings office have crossed this basic line.

The person in charge of the savings office: She gave us the account number, password, ID number, and unloaded from this account and transferred to another account.

The person in charge of the savings office: She has an ID number, no password, and money cannot be unloaded. The key is the password.

Reporter: How could they know the depositor's ID number and password?

The person in charge of the savings office: This is Cui Yingmao. Cui Ying knows that her depositors told Cui Ying.

Reporter: Why did he tell Cui Ying?

The person in charge of the savings office: This is between depositors and Cui Ying.

Why do depositors tell Cui Ying the password?

Several insiders revealed the secret: Cui Ying promised to deposit 10,000 yuan for her here. In addition to normal interest, savers can earn 60 to 100 yuan per month for high interest rates. In exchange, the depositor must hand over the deposit account number and password.

Insider: You are the depositor of Cui Ying. Cui Ying said, "How much money do you give to me for saving 1 million yuan and 10,000 yuan? It sounds like money lending."

You gave me 50 yuan for ten thousand dollars. It was very impressive. I put 100,000 for three months, five months for one month, and one thousand five months for three months. Some of them are still more than fifty, and they are even higher. .

Enticed by such high interest rates, many depositors willingly deposited their money in the savings facilities designated by Cui Ying and obtained interest on it as they wished.

Cui Ying subsequently lent these deposits to Di Xiaowa, but did not expect that the Sanjiao coal mine purchased by Di Xiaowa was a “black mine” because it could not complete the full mining procedures and could not start normal production. The investment of the baby was overdone, and the loophole in the depositor account could not be filled.

In October 2007, savers with urgent money discovered that the account was empty and rushed to the police.

Insider: At the end of the year, the user was anxious to use the money to withdraw money from the bank. The saver's account was empty. Many savers called the police.

In her confession, Cui Ying stated that she had used deposits from depositor A and paid depositor B interest or principal. This is the method of “removing the Eastern Wall to fill the Western Wall”, which enabled her to pass through the depositors within two years.

After the incident was revealed, Cui Ying, Di Xiaowa and others were controlled by the police. Several of the depository directors and tellers involved in the case were respectively summoned in May 2009. This year, all those involved were sentenced.

Then how can the depositors have more than 73 million yuan in principal? According to informed sources, the police recovered more than RMB 10 million from the auction of Di Xiaowa’s real estate and automobiles by recovering the illegal interest earned by the depositors; the remaining big hole was allocated 20 million by the Post Office of Shanxi Province. , Linyi Post Office self-digestion to resolve the remaining deficit.

It stands to reason that any financial institution should have a complete accounting system, management system and risk prevention system. Can Cui Ying really use his own strength to make the whole system useless? During the two-and-a-half-year period, more than 70 million deposits were misappropriated. Does the relevant regulatory system not play a role? Did the leadership and regulatory authorities of the post office not notice? Many squatters involved think that the bureau cannot be unaware of the situation.

Reporter: Cui Ying did not know what he did in the dry game?

Teller: Do you think it can't be known? From the end of 2005 to the end of 2007, for more than two years, can the bureau not know?

Some people even suggested that the bureau is supporting Choi Ying’s practice:

Teller: When the post office meets, the first meeting says yes, you all actively cooperate with Cui Ying and Cui Ying to create benefits for us. When it comes to creating profits, it is not a matter of diversion. Which one do you think people do not know that we can make money in this coal mine, but we did not expect this person to spend all of the money.

However, the security head of the Linfen postal department clearly stated in an interview with reporters yesterday that they knew nothing about it.

Security guards: We have a special audit system, they did not find, if found out early check.

Cui Ying and others did not hesitate to try their hand and use huge deposits. What kind of interests are behind this? In the two and a half years, how have more than one hundred accounts of multiple savings institutions changed and how can they pass various routine inspections? This litigation exposed the loopholes in the management of Linfen what kind of loopholes? What kind of alarm should be given to relevant financial institutions and regulators? Voice of China will continue to pay attention.

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