rebirth i may not love you

Ye Junhao remembered that it seemed that a branch of Yinshan Bank launched a wealth management product at the beginning of last year, but the money was still needed when it expired.At that time, there seemed to be hundreds of bank customers who were victimized, and the amount involved was as high as 2000 million yuan.Although the Public Security Bureau arrested the main persons involved in the case, the 2000 million yuan was not enough.

Of course Ye Junhao knew, he still remembered that he understood how they operated the moment he saw the news.

Banks also need customers. They will recommend the financial products of their banks to those who have investment and financial needs, and they can spend millions. They promise to return the principal and high interest when they are due.

Among the people who can have so much savings, most of them must be regarded as the middle class, excluding those who made a fortune from demolition and relocation, and those who are born to be rich and rich.People who have worked hard in society for a certain period of time have gone through a lot of precipitation and rich experience, and they will not be so stupid.

When these people buy wealth management products from banks, they must know that the bank will use their own money to invest in companies and invest in projects. Therefore, before buying wealth management products, they will generally ask the bank to clarify the projects and companies to be invested.

Under normal circumstances, if the company will provide specific instructions on the relevant projects that need to be borrowed and the company, that is, the target of the loan, the customer will feel relieved to invest in it.

It stands to reason that they will sign a contract, and try to be justified and well-founded. If the bank does not pay the money, the customer can take legal means to get the money back.The location of the wealth management product contract signed by the customer is in the bank. It is reasonable to say that it should be very reliable, and this is where the problem lies.

The contracts on these wealth management products must be sealed, and the official seal of the bank will be considered effective.Not only the bank's contract, but also many documents and contracts must be sealed before they come into effect.However, the official seal on the contracts of these wealth management products is not Yinshan Bank, but the official seal of a company.The bank's name also does not appear throughout the contract.

When it came time to repay the money, the customer did not receive the principal and interest that he had lent out. When he went to the bank, he was told that because the seal on the contract on the wealth management product was not the official seal of Yinshan Bank, this wealth management product was legally legal. This is a private fraud, and the customer's lost money has nothing to do with the bank.

In other words, after the accident, Yinshan Bank pushed all the problems to the employees involved in the case and refused to take any responsibility.Those customers are of course dissatisfied, so much money, the contract I signed at your bank, the card I swiped, and the money I paid, how could the bank say that I won’t pay it back, so I don’t want it to pay it back.

The defrauded customers went to the door of the bank's branch to make trouble, reported the case to the police station, and appealed to the court, but in the end the case was filed in the name of personal fraud, and the bank was not responsible.

In fact, this kind of thing has happened before, and it is even very common.However, the amount of money in this case was huge, the impact was too bad, and the damage to the bank's social credibility was particularly serious, so it became famous in the entire financial circle last year.

Yang Wei's real intention of bringing this matter up at this point was definitely not to discuss financial knowledge with him, so Ye Junhao tentatively asked, "Is this matter related to Chen De?"

Yang Wei nodded: "After this case was exposed, the bank's relevant staff were arrested, but the money was missing, and it was actually in Chen De's hands."

Ye Junhao was stunned. Yang Wei spoke out such a frightening secret with such a calm demeanor.Even though Ye Junhao had already experienced Yang Wei's ruthless and ruthless side, he couldn't help being surprised.

He sneaked a glance at Hong Tian, ​​who was listening aside, his face was ashen.

Yang Wei waited for Ye Junhao's expression to soften a little, and continued: "The biggest point of contention in this case is whether the bank should compensate the customers who were defrauded. But the bank said that the chapter on the contract does not belong to the bank, but to the company." The official seal, which means that the customer did not lend money to the bank, but lent the money to the company. If the money is not recovered, it is the responsibility of the staff of the bank handling this matter and the main person in charge of the company. It is their malicious fraud and not allowed by the bank. Responsibility. The bank personnel involved in the case were arrested, and the related companies were also found to be shell companies that did not exist at all. Customers who borrow money can only make trouble with banks that can be seen and touched.”

Ye Junhao nodded, guessing: "I know this, the focus of this matter lies in the company where the accident happened, and that company belongs to Chen De!"

Yang Wei looked indifferent: "No."

Ye Junhao and Hong Tian: "..."

Then Yang Wei smiled, it was the first time Ye Junhao saw him showing such a playful expression of a boy in real life.

Yang Wei smiled: "But Chen De participated in this matter."

Ye Junhao spared Rao's head helplessly: "Are you happy to be skinned?"

Yang Wei said seriously: "Of course."

Ye Junhao felt that Yang Wei must have been uncharacteristically out of touch because of the shock he had received today, or maybe the taciturn cool boy he saw before was probably fake, an illusion.

After Yang Wei smiled lightly, he put on a serious expression again: "Chen De played a hidden role in this case."

Ye Junhao reacted quickly this time: "Is it a guarantee?"

This time it was Yang Wei's turn to be surprised: "How do you know?"

Ye Junhao thought to himself, this is no nonsense. In the previous life, the Ye family had vouched for Chen De, so they became enlightened. In the end, the family was ruined.

This Chen De is just those tricks, shell companies, guarantee scams, and tried them time and time again. Sure enough, there are people above him who are different.

Well, when you reach a certain position in business, whoever has fewer people at the top may not necessarily have fewer connections in his Ye family than in Chen De.

This time, Ye Junhao didn't wait for Yang Wei to tell the truth, and directly stated his speculation: "I guess the bank's customers are not fools. When signing the contract, some people must have doubted the issue of the official seal. The bank asked the guarantee company to come out to guarantee this. If the company goes bankrupt, there will be guaranteed compensation from the guarantee company, so they can rest assured. That’s why these people invested in it with confidence. The money was not invested at one time. I read the news that some of these customers invested once. , get the principal and interest after the maturity date, and then invest the money with confidence. As a result, the enterprises and guarantee companies that borrowed money were all empty, the person in charge ran away, and the money was in vain. The whole Ponzi A scam. Even if the company that borrowed money was not established secretly by someone called Chen De, the person in charge of the company responsible for guaranteeing the company that borrowed money must have some relationship with Chen De! Maybe the staff member of the bank that was arrested I can't get away from them, and I agree to share in advance. Even if I sit in prison for a few years, I won't say anything. Find some relationships, behave better, and strive to get out of prison as soon as possible. Just a few years is a lifetime of glory and wealth. This wave is not bad, right?"

Yang Wei was quite convinced of Ye Junhao's ability to understand: "It's almost like this. The main person in charge of the guarantee company is his confidant. Chen De must have agreed with them behind the scenes to share a certain amount of spoils, and took part of the money Came to bribe some officials above, and finally settled these messes."

Ye Junhao asked his doubts: "How do you know?"