Nowadays, ordinary people like us tend to deposit money that we won't need for a while in banks. Firstly, there is the possibility of earning some interest, and secondly, it's also about the security that banks offer.
However, Mr. Fu, who resides in Nanchang, is troubled by the money he deposited in the bank. It turns out that Mr. Fu deposited 130,000 yuan in the Industrial and Commercial Bank in 2004. When he needed the money, he was informed that there was hardly any left in his account. What happened?
On August 25, 2004, Mr. Fu made a demand deposit of 130,000 yuan in a branch of the Industrial and Commercial Bank. According to Mr. Fu and his family, this money was intended for future funeral expenses for the elderly.
In 2018, Mr. Fu's father passed away. When he went to the bank to withdraw the money, the bank staff informed him that there was hardly any money left in his account.
The disappearance of the 130,000 yuan deposit left Mr. Fu feeling helpless.
Although puzzled by the whereabouts of his deposit, with the urgent need to handle the funeral, the family had no choice but to scrape together funds from various sources to first complete the funeral arrangements for the elderly.
After the funeral was over, Mr. Fu and his family went to the bank to seek an explanation, but the subsequent developments in the matter became even more confusing.It turns out that the very next day after Mr. Fu completed the deposit procedures on August 25, 2004, which was August 26, the deposit was used by someone to purchase a dividend-type insurance policy from Xinhua Insurance Company.
Three years later, on December 3, 2007, an account was mysteriously opened in Mr. Fu's name. On that very day, the insurance funds returned by Xinhua Insurance Company, totaling more than 137,000 yuan, were transferred into this account.
Regarding the purchase of the insurance, Mr. Fu insisted that he was completely unaware of it.
Three days later, all the money in the account was withdrawn by a person named Fu Jianping. This individual, Fu Jianping, is a villager from the same village as Mr. Fu.
Upon contacting Fu Jianping, he stated that he had not touched the money and that the handwriting was not his own.
Fu Jianping claimed that he did not make the withdrawal and that the signature was not in his handwriting.
The trail ends here. Mr. Fu went to Xinhua Insurance Company to investigate and found that the dividend-type insurance policy processed in his name in 2004 was signed by someone named Fu Kunkun. The phone number left at the time is still in service. However, the person on the other end stated that they are not Fu Kunkun.After an inquiry by the insurance company, it was discovered that the other party had provided Mr. Fu's household registration information at that time.
The situation has now reached an impasse, how exactly was this sum of money inexplicably "stolen"?
There are many doubts and numerous loopholes in this case.
Firstly, how could a demand deposit be inexplicably used to purchase insurance? Fu Xinsheng insists that what he dealt with at the time was a demand deposit, and he certainly did not buy insurance.
Secondly, is it compliant to purchase insurance without the presence of the individual, solely based on the household registration book? How did the other party gain access to Mr. Fu's bank account information?
Thirdly, for this dividend-type insurance, which was in effect for about 3 years, why wasn't this person afraid of being exposed? Instead of immediately transferring the funds, why did they collect the interest for 3 years?
Fourthly, when this person wanted to surrender the insurance policy, they specifically opened an account under Mr. Fu's name and transferred the money into the new account. Logically, the money from the policy surrender should be returned to the original payment account; how was this sleight of hand achieved? And why did it not raise the insurance company's alarm?
Fifthly, when the money was withdrawn, it was neither Mr. Fu himself nor the person who initially handled the insurance, Fu Kunkun, but a third person—Fu Jianping—appeared. How was this large sum of money easily withdrawn? Does this comply with the regulations for the withdrawal of large sums by the account holder?There are too many doubts surrounding this matter, but what is more exposed are the vulnerabilities of banks and insurance companies. At present, there is no definitive conclusion to this issue. However, with such a complex situation, it is feared that it will be difficult to resolve without involving the police.
Let us make a bold speculation: the individual who so easily exploited the loopholes in banks and insurance companies must be someone very familiar with the rules and regulations of the banking and insurance industries. It cannot be ruled out that this could be an act by an insider from a bank or an insurance company.
Consider this: how could someone unfamiliar with the rules and regulations of banks and insurance companies not leave any traces while performing such complicated operations?
Depositors entrust their money to banks out of trust, and banks have the obligation to ensure the security of their depositors' funds. In this regard, banks need to do more work to identify and fix any shortcomings. Otherwise, what will be lost is the bank's credibility.
What are everyone's thoughts on this matter? Feel free to share your opinions!
