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The author:(作者)qqpublished in(发表于) 2014/7/9 2:24:14 Bank of China openly fake money laundering in CCTV exposure，
Rows in the Bank of China openly fake money laundering-money laundering in CCTV exposure, Bank of China-IT news CCTV exposed Bank of China openly fake money laundering
"We don't care where your money comes from and how, they can help you out," Bank of China Branch staff said, leave your money how dark, shady, banks had a way to wash your white, and safe to get abroad.
Banks went into immigration will exchange any change
A report by the Chinese Academy of social sciences said that in nearly three years, China's annual migration, the number is closer to 200,000, which overseas investment is the rapid increase in the number of immigrants. To be emigrating to Europe and the United States, immigration is hundreds of thousands of millions of dollars, why the huge immigration of investment threshold is the irrepressible enthusiasm, what people in the immigration screening, given the amount of unknown capital flight, banking and immigration intermediary who plays what role?
In Beijing, on the weekends, large and small, migration agents on various national immigration forum to be set up. Low sites of direct election on emigration, and high-end atmosphere at ITC held major high-end CBD near the five-star hotel. At a five-star hotel's banquet hall is a large investment forum to be held, the reporters saw apart from immigration and many customers actually are Bank of China figures.
"Do you want to investment bank business money going out must go, in exhibitions, there must needs to find them. "A migration agent salesperson told reporters, immigrant investor program requires investor will be a certain amount of foreign currency remitted to overseas projects on the account number you specified, can handle immigration. Because of the controlling individual swap, each person can exchange no more than $ 50,000 a year, want to scrape up enough immigration of hundreds of thousands of millions of dollars in investment, but to go to the Bank of China.
Staff of the Bank of China confirmed the following phrase: "we help you do is such a large amount into your foreign currency sinks go another step, do this step. ”
Ran to the investment advisory business, BOC's service is really convenient, of course, this can't help clients change of foreign exchange, Bank will also charge a substantial fee, charges about $ 3 per thousand to 4 per thousand, equivalent to exchange your points.
"Link" a shady banking practices
According to China's foreign exchange control regulations, can exchange no more than 50,000 dollars per person per year, why the Bank said they could need immigration quota-free for customers to earn foreign exchange, and you can also call directly to foreign account? Reporters found during the investigation, in fact the normal business of the exchange business are not aboveboard, hides inside issue.
Immigrant investor meeting, although banking staff detail for customers with the unlimited swap called Huitong business, but journalists did not see at the official website of Bank of China Huitong unlimited foreign exchange business of the so-called, in all branches of Bank of China, are not related to service in detail. This so-called Huitong unlimited swap business is all about then? When a reporter asked to the Bank's staff, they told reporters that there is this business, belonging to be led by the Guangdong Branch of business, around the BOC Guangdong Branch only after a in order to do it, but without any publicity.
An employee of the Bank of China Beijing Branch told reporters: "China Guangdong Branch to go to, and then swap, the Huitong business we are cooperation and immigration, not to do any publicity, unless the customers come and ask, we said. ”
The Bank's Shenzhen branch, at the request of journalists, one of her staff showed reporters the Huitong business information in the Office computer, which clearly says, this business is geared toward investment immigrants in North America, Australia and some European countries. Reporter a copy of a detailed understanding, only to be rejected on the spot. Staff members told reporters that this material cannot be exported, and this business is not open.
Do not advertise, information cannot be revealed publicly, customers don't ask, don't tell, suspicious bank business inevitably evasive. A Vice Governor of Beijing Branch told reporters secretly, this business is not in line with the relevant State provisions of the Foreign Exchange Management, not necessarily light, so Bank just sneaking in to do earlier this year because it checks safe and stopped for some time.
Breakthrough controls Bank secretly through the outflow channel
As a large State-owned bank, Bank of China Huitong so secret, can't seem to see the light of the business is so fantastic, so how exactly does the unlimited exchange of business operation, violated the regulations? In Beijing, Shenzhen and Guangzhou, to carry out a thorough investigation.
Reporter first visited the Bank of China in Beijing, about Huitong business, they call the scientific name for cross-border RMB settlement business is made by Guangdong Branch, Beijing Branch was eventually to find Guangdong Branch to handle renminbi only through them can exchange foreign currency.
"Excellent Huitong called cross-border renminbi settlement business, which is under the financial services was previously banned. ”
"Guangdong Branch to open an account with you, but you don't have in the past, we help you to find out. And then transfer the money to get there, go out into foreign currency exchange. ”
In order to find excellent source of Huitong business, this reporter went to the Guangzhou Branch of the Bank of China in Guangdong, a sales assistant manager told reporters through various branches, around here handle Huitong business customers a lot.
The floor manager told reporters here: "immigration really is pretty much across the country is to come and work for us, you can't just look at incase there is no such clients, because some remote processing. ”
According to reports, in addition to the Bank of China in Guangdong, Guangdong Branch can handle this business directly, and many branches below it can be arranged. A branch customer service manager told reporters that in fact they are not clients ' money into Yuan, but Hui Yuan abroad, again by the Bank's overseas branches to be convertible into foreign currencies.
"Because of this to be done through overseas, overseas reported a currency to us, and we send out money in Renminbi after conversion, but foreign currency is received over there is through Bank of China branches in London or Tokyo or Paris branch. ”
Bank staff told reporters, out of the country foreign exchange instead of rows in their overseas branches to change money, and this is in order to avoid State control over foreign exchange, so you may want to change how much foreign currency exchange. "This is a Renminbi cross-border business, but not through the administration of foreign exchange system, in fact, doing this is a grey area, playing an edge ball. ”
Expert: banks not just walking a suspected of illegal
Bank staff claimed to link cross-border renminbi settlement business is a business, not a domestic Exchange, but bypassing the national safe supervision Bureau, using overseas branches of banks swap, they believe that this is a grey area walking. But experts say cross-border renminbi settlement does not allow personal investment immigration, Superintendency of banks around, achieving excess exchange rate, has been suspected of violating.
Starting from 2009 pilot cross-border renminbi settlement business, provided for in the administrative measures for the cross-border RMB trade settlement pilot, the State allows designated, qualified enterprises to settle cross-border trade in Renminbi, support to companies with cross-border renminbi trade settlement services. Experts pointed out that cross-border renminbi settlement only for enterprise in international trade, rather than individual foreign investors, personal conversion is not allowed to go this route.
Zhong Wei Ping an securities Chief Economist, said: "what is puzzling is why individuals by way of cross-border purchasing and selling renminbi, directly offshore renminbi assets, he must have involved Chinese banks overseas clearing bank made a match, it already violates existing foreign exchange laws and regulations system of fundamental problems. ”
China's foreign exchange control regulations, to transfer foreign exchange abroad in violation of regulations or by deception, evasion acts such as domestic capital overseas, if the circumstances are serious, fine at evasion amounts to 30% per cent of the Act constitutes a crime, criminal responsibility shall be investigated according to law. Experts said that bypassing regulatory acts of evasion against serious, could trigger flight of Yuan and other issues.
CITIC Bank international financial markets expert Liu Weimin said: "the currency of a country used to have a very clear monitoring, we can't monitor that could risk, such as capital flight, or by a concentration of hot money influx would have an impact on the financial system. ”
How many there is a branch at 6 billion outflow?
Bypassing the State supervision authority, secretly caused massive Yuan into foreign currency abroad, and then used as investment immigrants, exactly how massive the illegal currency exchange?
Customer Manager at a Bank of China branch in Beijing, told reporters that they often participate in the Immigration Advisory Council link is quite popular, and the customers haven't stopped looking for them to do business, Australian immigration swap order of 5 million Australian dollars they received quite a bit.
"A lot of money, this item is 30 million Yuan, meeting us half a month to go, 3 hands and several, it has continued to keep. ”
Beijing Huitong rows swap business is not much, Huitong business launched in Guangdong, said a Bank of China branch account manager Huitong business for more than a year, more and more customers to come and work for them to do business and business volume has reached 6 billion.
"Our branch belongs to yuexiu branch, have made 6 billion this year, more and more, especially Australia which blocks, each branch, we wouldn't be the first, we are ranked in the top five.
A branch of the light and promote Huitong migrant remittance business made a 6 billion yuan, facing reporters surprised that Guangdong Branch lobby Manager smiled and said, Yes, it's not surprising.
"It's not surprising. Migrants who do quite a lot. ”
Faced with such fire, but does not comply with the State administration of foreign exchange regulations, investment migrants could have a negative impact on the domestic economy of large currency exchange business, a customer of the Bank of China Guangdong Branch Manager, glad for performance could also be guilty. "Losing a lot of money in our hands. ”
Dirty money out of partnership does not go to the Bank and money-laundering
BOC is one of China's five major State-owned commercial banks, is China's main foreign exchange Bank, a Gateway Bank would secretly in violation of the relevant provisions in order to earn, who opened a rear door, allowing for customers to Exchange foreign currency without limit, this is really unbelievable. Reporters found that for customers, banks and migration agents colluded, helps the customer fraud money laundering.
Reporters visited the Bank of China in Beijing, Shenzhen, Guangzhou and a number of migration agents, banks say they are the most major and immigration cooperation, and immigration is Youngs says swap will go to Bank of China. "We are Bank of China Huitong, once you get on the line, and this is our cooperation in banking, you can rest assured. ”
In order to show their close relationship and cooperative banks, led the intermediary sales staff directly to the reporter is in the same office building of Bank of China, the Bank one Customer Manager was very warmly received the journalist, and also introduces the benefits of immigration.
Bank of China Guangdong Branch account manager told reporters, "now rich people in order to get an identity, freedom of travel, some customers to go abroad to live, to posterity or for the body, because the outside air is good. ”
Migration agents directly into bank customers, there are Bank introduces clients to mediation. In the vicinity of Beijing International Trade Center, Deputy Governor of the Bank of China branches led directly to customers and account managers two people near a Bank of an Immigration Agency. Because the customer cannot prove that mass immigration source of legitimate, in order to conclude the deal, Bank staff and immigration immigration consultancy partnership to discuss how to help no of customers eligible for immigration fraud, how artificial make up a customer's income.
Immigration agents said: "this money come, we can do it. ”
Bank's staff told reporters: "it depends on how do we match your bank. ”
After some talk, migration agent and the Bank's staff finally helped reporters find out cooperative methods: "our lawyers mean to find several companies, a water company records, and then we paid PS, form commissions to clients. It means doing contracts. ”
For such practices, the Bank acknowledged.
Migration agents can do for clients on the one hand false revenue contracts, on the other hand banks are also trying to get in, such as a customer deposit immigrant banking, banking through business backed by deposit receipts, then the money to lend to customers, so that you can explain the origin of resettlement funds, amounted to money laundering for the customer.
Bank of China Beijing branch account manager told reporters that the "so-called hypothecated is no reasonable sources of funds, so they (Guangdong Branch) over there to do a procedure, you deposit the money is money, mortgage loans, this business is the Guangdong Branch of the family. After all is to wash money. ”
The BOC Guangdong Branch, a lobby Manager acknowledges that for investment immigration, there are a few business buyers in their handling of this pledge. Borrowing the same sources of funding and then by Huitong business migration to Exchange foreign currency abroad, can be described as inter-related.
"You put funds in the US and then do a mortgage and lending, you are lending money for investors. Pledge your remittance of this block because there was no way to provide the source of funds is required, Huitong finished his pledge to do, that business is inter-related. ”
Grey channel to fuel investment immigration
Whether or not the dirty money, as long as there is demand for investment immigration, migration agents and banks can say hello, even help customers to fraud money-laundering. In this way, investment immigrants under a grey access for exchange rate, attracting a growing number of migration agents and customers.
Reporters in Beijing saw, one to each country's Immigration Advisory over the weekend will get together in order to show that high-end, number intermediary options in a five-star hotel.
"You only need to spend 500,000 euros to invest in Portugal real estate, you can have gold residence 5 years 5 years later you can get permanent residence, 6 acquisition of nationality. ”
This is taking place at a five-star hotel in Portugal Investment Advisory Council, and just next door to the small venue was another immigration organized by the United States immigration consultation sessions. Migration agent sales staff told reporters that the immigrants were clumped together on the weekends now, because immigrant business is all the rage.
"Now so many immigrants, and now Beijing House prices so high, sell House can emigrate, immigrants last week we checked out the scene a dozen orders. ”
It is understood that overseas investors mainly including United States immigration immigration, European buyers of venture capital investment, and Australia, and Canada's entrepreneurial investment migrants and such like. Immigration clients are taken into account in their children, overseas asset allocation issues.
** Told reporters who come to consult "friends to immigrate I'll consult. Home prices are so high now, you'll have to do some asset allocation in a foreign country, and then wants to go can go. ”
Reporters learned from the immigration, due to the exchange rate channel flow, more and more customers are actually borrowing on behalf of the migrants to sneak money overseas.
"5 million Australian dollars (immigration) is local, and wants to take some money out, because the money is hard to come out of China, he would like to use this opportunity to turn out 5 million, is not subject to exchange control. "An Immigration Agency told reporters.
Account manager for a large immigration said, a number of immigrant clients ' funds due to be illicitly acquired, the intermediary must help give false, fake sources to prove to a lot of customer migration success. "Too many government officials, officials sidestep, money is picked up, you prove it, very normal. ”
Underground banking business of bank robbery also stem from immigration
Dirty money are available through investment immigration channels fled abroad, so banks with what difference does it make illegal underground banks. The reporters found that the Bank not only in doing similar underground trading, and with the increasing volume of business, has grabbed a lot of underground businesses.
BOC told reporters in a cooperative bank workers overseas, as foreign banks, they are related to assist bank customers in China with investment immigration, through cooperation with the Bank of China for many years, who as the safest Bank "underground banks"
Australia customer with a bank manager told reporters: "Bank of Australia immigration is very important to us, we cooperate and it is also for this reason that money's safe. Channel funds through a very gray to leave the country, meaning it (BOC) concept is a concept and the underground. BOC's largest business is overseas, it has huge amounts of Yuan's home, have large amounts of foreign currencies in overseas, and only the Bank can go for such a large scale. Because of foreign exchange controls, they are doing is very, very low key. ”
The reporters found that the BOC's overseas diaspora have occupied an important position in the market. One business in Australia and the underground of immigration advisers told reporters that originally internal migrants illegal large market customers are found underground, and since nearly two years after the link business, now invest heavily in migration from China to Australia, Bank of the Huitong Canal has robbed the underground business.
"My side is 5 million (Australian dollars) of immigrant customers are basically divided into two, half and half, and half the rows, half underground. ”
Occupation of exchange rate channel is not enough, the reporter found that specialized high-end clients of private banks owned by Bank, have begun to play the role of immigration, for customers from looking for investments to swap the immigration service.
Bank of China, one of Beijing's private banking managers told reporters that "business migrants need not seek mediation, we can do, we can do this business right now. ”
Bank records by a bad influence harmful
A Bank and a business and investment immigrants under the massive outflow of domestic funds. Experts say that as portal banking, this feature will bring the big harm.
Reporters found in an interview with a number of branches of Bank of China, in the face of booming Huitong business, Bank staff to be glad for earnings, should not be on the gray channel may cause problems and be wary.
Bank of China Guangdong Branch a wealth manager wealth management centre told reporters: "these are just like a thief, do not say. ”
While the Deputy Governor of the Bank of China Beijing Branch also worried the business: "if one day you look up and that this service had stopped, things are tense will surely have to stop, this is equivalent to Chinese assets virtually went out. ”
Experts say the Bank as a financial institution has a responsibility and obligation to regulate flow of finance, however not only did not look up, but helped finance flight, its nature is very bad. Zhong Wei Ping an securities Chief Economist, said: "very poor and if a fake sources to prove, knowing the territory clean, also offered to help advise clients, then crime together. ”
Zhong Wei said that overseas investment immigrants under some dirty money took the opportunity to flee, it will have no small influence on domestic anti-corruption efforts.
"(Migrants) are from domestic corrupt officials or obscene language in the territory's property, if there are financial institutions, migration agents cooperate with, these should be cleaned up transfer incomes from fines and confiscations to go overseas, so to punish the officials are negatively affected. Got such an opportunity to escape at any time and with dirty money to spend for the rest of my opportunities, legal deterrence will be greatly reduced. ”
Experts said that even if the majority of immigrants do not belong to the dirty money for overseas investment, but since there is no authority outside the country under the supervision of secretly fled abroad, if they formed a certain scale, it is bound to have an impact on the domestic economy.
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