Minsheng Bank branch manager allegedly forged financial amounts involved _ about 3 billion | Minsheng | money | investment news
Our reporter Li Yumin Ronald Wong reported from Beijing
Minsheng Bank Beijing Branch hangtian bridge Branch Manager arrested for counterfeiting, and to "let" incentives for the transfer of the Bank's private banking to high net worth clients, resulting in more than 150 investors were caught, the amount of money involved or up to 3 billion yuan.
Recently, hangtian bridge branch of Minsheng Bank's private banking clients to the 21st century business Herald reporters reflect on April 13, the Minsheng Bank Beijing Branch President Chris was taken away by public security organs. When notifying the investor to be interviewed by the investigation departments of public security, which whale drill Golf Club more than 150 private banking clients to know-they had guaranteed baoxi product purchased in the branch, sub-branch Zhang ying, who forged, may total as much as 3 billion yuan.
Product information of many investors, the private banking customers to buy products, in the form of, belonging to other investors at the Minsheng Bank issued and outstanding financial products, most of these financial "extraordinary" series named XX (also include other names, such as an investor to buy the product name is "structured deposit H-1").
Many investors said that Zhang ying and others said the staff recommend the product, the product protected baoxi due to "original investors eager to back, are willing to give up interest one-year product revenue at an annual rate of 4.2%, have six months to maturity, equivalent to annualised return of 8.4%".
According to investors is reflected, after an accident, Minsheng Bank Beijing Branch found that the product does not exist, after reported to the Head Office of Minsheng Bank quickly reported.
The investor said, after the incident, investors are also emergency contact Minsheng Bank Beijing Branch, head office high-rise to seek solutions, but the answer is that the financial products was forged, Minsheng Bank has reported, and indicate that the event is Chris's personal behavior.
Financial products are fictional? Money trail? Minsheng Bank will do with it? 21st century business Herald reporter wrote to the Minsheng Bank on a number of questions, but as of press time, have not been answered.
Occasionally ask to hold false financial case
Minsheng Bank Beijing Branch whale drill Golf Club members are personal financial assets of more than 10 million yuan in the Bank's private banking clients, many people investing in Minsheng Bank financing for more than 10 years, the line was very trusting.
Mr WONG was one of the customers. He said, hangtian bridge branch of Minsheng Bank had purchased too many kinds of products, including general financial products, but also for the high-end customer trust product and so on, but he was unable to distinguish between the so-called "fake money" products and products before any different, and previous products, there cannot be withdrawed.
According to the investors, which exposed by accident. On April 12, a Minsheng Bank private banking clients took a photo of the financial products, to his acquaintances in the Minsheng Bank Beijing Branch, asking this guaranteed income and high financial products, why only hangtian bridge branch sold, other channels of branches or can buy.
Such a casual enquiry, the exposure was a huge scam. Minsheng Bank Beijing Branch found that the Bank does not have the financial products, related leaders find hangtian bridge Branch Manager Chris, after inquiry decision reported to the head office, and ultimately by the Minsheng Bank made a report to police.
On April 13, the branch manager Jeff Smith, who was taken away by public security organs. Subsequently, the Beijing Municipal Public Security Bureau Haidian branch of economic investigation team for this investigation. The evening of April 13, whale drill Golf Club a few investors received a notification by the public security organs rushed to do the record.
Mr Wong said: "we often play together, well. Because someone was informed by public security organs on a contract to make records, didn't know this product has a problem. ”
On April 14, over more than 100 investors rushed to Minsheng Bank Beijing Branch, Head Office informed, was told that Zhang was arrested for selling fake products, has been involved in custody. Because all of a sudden, after such investigation, public security organs have the result you want, to give further explanations to the investors.
Meanwhile, China Minsheng Bank has set up an emergency leading group, executive head of Legal Department General Manager Chen, Executive Vice President of the Beijing Branch, Secretary of Commission for discipline inspection, dupeng as Deputy leader.
The amount of money involved or about 3 billion
Mr Wong said he bought hangtian bridge branch of Minsheng Bank began in April 2016 such "transfers of wealth management products", and each investment beginning to 3 million, has bought more than 10 have been returning after the expiration of 3 principal and interest. Currently, there are 7, a total of more than 20 million do not have an expiration.
He said: "hangtian bridge Branch Manager, Vice President and wealth managers have told us, this product is from the head office until they went through a secure, only gives us whale drill Golf Club big customers, capital preservation baoxi. ”
In fact, said the private bank customers to buy financial products, more accurately, they bought other transfers of shares.
Mr Wong said, hangtian bridge Branch staff when the explanation is that banks have many customers buy financial products on a regular basis, desperate for money, because they do not expire cannot be redeemed, you will sacrifice some profit out the product. "That argument is reasonable, lost part of the gains to liquidity and capital preservation financial, for us is safe and cost-effective. ”
21st century economic report from the investor receives a copy of the transfer agreement China Minsheng bank financial products show which the transferor is a natural person Cui Huaqi, transfer of shares was 3 million, transfer the subject name "extraordinary asset management capital preservation 176th private banking".
The transfer agreement constitutes the key to this event. Under the agreement, the transfer from "new investor" direct call "original investors" personal account. Transfer agreements, in addition to the transferor, the transferee signature respectively, still stamped "hangtian bridge branch of China Minsheng bank deposits" seal. As for the official seal of authenticity is not yet known.
Other investors purchased "original investors" account name including Cui Huaqi, Chi Huijie, Wang Jing, Bank Minsheng hangtian bridge branch.
One investor said that in order to obtain the trust of investors, in addition to product transfer agreement the Bank to pay for party a, collect money for party b and c of the Minsheng Bank, signed an agreement for the trading fund supervision. Agreed bank transfers of products, namely, supervision of the account beneficiary freeze to ensure transfer of the product after the expiration of the principal and income payments.
21st century business Herald media contacted several investors said whale Diamond Club members mainly to 200.03 billion yuan of investment, amount to 600.08 billion yuan, little also has nearly 10 million have not yet paid the amount. Whales only members of the Diamond Club with more than 150 people, and other investors involved in the statistics, estimated to about 3 billion yuan.
In recent years, many banks unlawful sales of wealth management products "fly" and other events, so supervision is also increasing. In 2014, the CBRC issued the China Banking Regulatory Commission on 2014 in the Office of banking supervision and guidance of practice (also known as the 39th).
39th article made clear that banks General personal finance and customer products, announced the sale of products in the promotional sales text you want in the "registration system for Chinese banking wealth management product" registration code, and customers can be based on the code in "China financial network (www.China-wealth.CN)" product information, not registered in the banking system are not allowed to sell banking products.
21st century business Herald reporters official website of cmbc and China finance NET, no investors bought the financial products have been found, but there are a variety of product names is similar.
On regulators to "fly" in regulation, requiring financial institutions to finance product sales "double." Mr Huang and several other investors, purchased on livelihood hangtian bridge branch, "transfer of wealth management products", the same "double." Salespeople will ask investors know this financial product, know the risks, buyers are required to answer know and recording, video to this process.
Stars President, why take the risk?
After being told that buying financial products does not exist, the transfer of products of the so-called "original investors" after the fictitious, whale drill Club investors speculated that the bank account, or Chris, who controlled the relatives ' accounts, but this has not been confirmed by China Minsheng Bank or public security departments.
Worth noting is that Minsheng hangtian bridge branch has hundreds of private banking clients, also rare in the industry.
Livelihood-hangtian bridge branch wealth Club micro-April 1, 2017, the public release of the letter says: "hangtian bridge branch, private banking customers amounting to more than 320 people, the branch is the largest private banking customers in China. And their service teams, from Presidents to wealth managers in charge, with an average age of less than 29 years old. ”
Many investors reflected: "hangtian bridge branch is the star of Minsheng Bank sub-branches, Jeff Smith was born in 1982, graduated from the Department of finance, the NPC, after working in foreign banks, to the people's livelihood is also very important. She is hands-on, and want to make a career. ”
Why a star branch long branch would resort to, forged products, such huge funds to the banking system? --Issues that investors are at a loss. Meanwhile, where ultimately so large, there is a mystery.
Investor said: "I heard Jeff Smith invested in a real estate fund. "However, as of press time, the news has not been Minsheng Bank and the public security organs confirmed that.
According to investors, as of April 17, 2017, has signed over more than 120 investors register request Minsheng Bank is scheduled to honour financial products, and to investigate and punish illegal behavior.
Investors give regulators an "emergency materials," said 2016-2017, "we hangtian bridge branch of Minsheng Bank Governors, Deputy Governors, wealth managers strongly recommend, buy in at the counter ' extraordinary asset management capital preservation products ', and has some purchase documentation to prove it. ”
Investors believe these documents are issued by the Bank and seal, so Minsheng Bank is obliged to honour the principal and return.
The game between investors and the Bank, just getting started, it will continue tracking. (Reporter Li Zhihong contributed to this article)
> Editor: Zhang di
Article keywords:Minsheng bank financial investment
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民生银行支行行长涉嫌伪造理财 涉案金额约30亿|民生银行|理财|投资_新闻资讯
本报记者 李玉敏 黄斌 北京报道
民生银行北京分行航天桥支行行长涉嫌伪造产品，并以产品“让利”转让的方式吸引该行私人银行高净值客户，致使逾150名投资者被套，涉案金额或高达30亿元。
近日，多名民生银行航天桥支行的私人银行客户向21世纪经济报道记者反映，4月13日，民生银行北京航天桥支行行长张颖被公安机关带走。公安经侦部门通知投资者去做笔录时，该行鲸钻高尔夫俱乐部的逾150名私人银行客户才得知——他们此前在该支行购买的保本保息理财产品，系支行行长张颖等人伪造，总规模可能高达30亿元。
多位投资者提供的产品资料显示，这些私银客户购买的产品，在形式上，属于从其他投资者处受让民生银行发行的尚未到期的理财产品，这些理财多数以“非凡”系列XX期命名（也包含其他名称，比如一位投资者购买的产品名称为“结构性存款H-1”）。
多名投资人表示，张颖及其他该行工作人员向他们推荐该产品时称，该产品保本保息，由于“原投资人急于回款，愿意放弃利息，一年期产品原本年化收益率4.2%，还有半年到期，相当于年化8.4%的回报”。
据一投资人反映，一个偶然事件后，民生银行北京分行意外发现该产品并不存在，上报总行后，民生银行总行迅速报案。
上述投资人称，事发后，投资人们亦紧急联系民生银行北京分行、总行高层寻求解决方案，但获得的答复是，该理财产品系伪造，民生银行已报案，且表示此事件为张颖的个人行为。
理财产品是否虚构？资金去向几何？民生银行将如何处置此事？21世纪经济报道记者就多个疑问致函民生银行总行，但截至发稿，尚未获得回应。
偶然询问牵出虚假理财大案
民生银行北京航天桥支行鲸钻高尔夫俱乐部成员均为该行个人金融资产1000万元以上的私人银行客户，不少人在民生银行投资理财超过10年，对该行一度十分信任。
黄先生就是其中客户之一。他表示，此前在民生银行航天桥支行购买过多种产品，其中有一般理财产品、也有针对高端客户的信托产品等，但他未能分辨出这个所谓的“虚假理财”产品和之前的产品有什么不同，且此前数期产品，并未出现不能兑付本息的情况。
据投资者介绍，此事的暴露纯属偶然。4月12日，一位民生银行私人银行客户拍了一张该理财产品的照片，发给他在民生银行北京分行的熟人，询问这款又保本收益又高的理财产品，为什么只有航天桥支行在卖，其他支行或渠道能否买到。
这样一个不经意间的询问，竟然暴露了一起数额巨大的骗局。民生银行北京分行查询发现，该行并未发行过这款理财产品，相关领导找到航天桥支行行长张颖，询问情况后决定上报总行，最终由民生银行总行向公安机关报案。
4月13日，支行行长张颖等人被公安机关带走。随后，北京市公安局海淀区分局经侦支队对此立案侦查。4月13日晚，鲸钻高尔夫俱乐部的几名投资者接到公安机关通知，连夜去做了笔录。
黄先生表示：“我们平时经常一起打球，都很熟。因为有人被公安机关通知带上合同去做笔录，才知道这款产品有问题。”
4月14日，闻讯而来的100多名投资者到民生银行北京分行、总行了解情况后，被告知张颖因涉嫌卖虚假理财产品，已经涉案在押。由于事发突然，此类调查需等公安机关有结果后，才能向投资者做出进一步的解释。
同时，民生银行总行层面已经成立了应急领导小组，法律部总经理陈军担任执行组长，北京分行纪委书记、常务副行长杜鹏担任副组长。
涉案金额或约30亿
黄先生表示，他是2016年4月开始购买民生银行航天桥支行这类“转让理财产品”的，每笔投资起点为300万，至今成功购买超过10笔，已有3笔到期后返还了本息。目前还有7笔，共2000多万没有到期。
他表示：“当时航天桥支行行长、副行长和理财经理都跟我们说，这款产品是他们千辛万苦才从总行争取到的，只给我们鲸钻高球俱乐部的大客户，保本保息。”
其实，与其说这些私银客户购买了理财产品，更准确地说是他们买了别人转让的份额。
黄先生表示，航天桥支行工作人员当时的解释是，银行有很多大客户买了定期理财产品后，急需用钱，因为不到期不能赎回，就会牺牲一定的收益将产品转让出去。“这样的说法很合理，为了流动性丧失一部分收益，又是保本理财，对我们来说又安全又划算。”
21世纪经济报道记者从投资人处获得的一份《中国民生银行理财产品转让协议》显示，该协议转让方为自然人崔华琦，转让份额是300万，转让标的名称“非凡资产管理保本第176期私银款”。
该转让协议正是构成此事件的关键。根据协议，转让款由“新投资者”直接打给“原投资者”的个人账户。转让协议中，除了转让方、受让方分别签字外，还盖有“中国民生银行航天桥支行储蓄业务”的公章。至于这枚公章的真实性，目前尚未可知。
其他一些投资者购买的“原投资者”的账户名包括崔华琦、池会杰、王静等，开户行均为民生银行航天桥支行。
一位投资人称，为获得投资者的信任，除产品转让协议，该行还以付款方为甲方、收款方为乙方、民生银行为丙方的方式，签订了一份《交易资金监管协议》。约定民生银行对产品转让方，即收款方的账户进行监管冻结，确保该产品到期后本金及收益划转给付款方。
21世纪经济报道记者接触的多名投资者表示，鲸钻俱乐部成员投资的金额大多为2000-3000万元，数额高的达到6000-8000万元，数额少的也有近1000万尚未兑付。仅鲸钻俱乐部的成员就有超过150人，其他投资者和涉及金额还在统计中，估计涉及规模约30亿元。
近年来，不少银行出现违法违规销售理财产品的“飞单”等事件，因此监管的力度也在加大。2014年，银监会下发《中国银监会办公厅关于2014年银行理财业务监管工作的指导意见》（也称39号文）。
39号文明确表示，银行发售普通个人客户理财产品时，需在宣传销售文本中公布所售产品在“中国银行业理财产品登记系统”的登记编码，而客户可依据该编码在“中国理财网（www.china-wealth.cn）”查询产品信息，未在理财系统登记的银行理财产品一律不得销售。
21世纪经济报道记者查询民生银行官网和中国理财网，均未搜到投资者购买的上述理财产品，但有多款产品名称与之类似。
在监管部门对“飞单”的整治中，要求金融机构对理财产品销售实行“双录”。黄先生等多名投资者表示，在民生航天桥支行购买“转让理财产品”时，同样有“双录”。销售人员会询问投资者，是否知道这款理财产品，知道其中的风险，购买者需要按要求回答知道，并对这个过程录音、录像。
明星行长为何铤而走险？
在被告知购买的理财产品并不存在，这些转让产品的所谓“原投资者”也属虚构后，鲸钻俱乐部的投资人猜测，这些收款账户，或是张颖等人控制的亲友的账户，但目前这个说法尚未得到民生银行或中国公安部门证实。
值得注意的是，民生银行航天桥支行拥有数百名私人银行高端客户，在业内也属罕见。
民生航天桥支行财富俱乐部的微信公众号2017年4月1日发布的消息称：“航天桥支行的私人银行客户数达320余人，是中国私银客户最多的支行。而他们的服务团队，从主管行长到理财经理，平均年龄不到29岁。”
多名投资者反映：“航天桥支行是民生银行的明星支行，张颖本人出生于1982年，毕业于人大金融系，此前在外资行工作，到民生工作后也是很受重视。她本人是实干型，想做出一番事业。”
为何一个明星支行的支行长会选择铤而走险，伪造理财产品，把如此巨大的资金挪到银行体系外？——这是投资人颇为不解的问题。同时，如此大额的资金最终去向何处，目前亦是谜团。
有投资者表示：“听说张颖投资了一个地产基金项目。”不过，截至记者发稿，这一消息并未获得民生银行及公安机关证实。
据投资者介绍，截至2017年4月17日上午，已经有120多名投资者签名登记，要求民生银行按期兑付理财产品，并查处违法违规行为。
投资者们在给监管部门的一份“紧急情况反映材料”中表示，2016-2017年期间，“我们通过民生银行航天桥支行行长、副行长、理财经理强力推荐，在柜台内购买的‘非凡资产管理保本理财产品’，并有一些购买文件为证。”
投资者认为，这些文件是由民生银行出具并加盖公章的，因此民生银行有义务兑付本金及收益。
投资者与民生银行之间的博弈，才刚刚开始，本报将持续跟踪。（本报记者李致鸿对本文亦有贡献）
>责任编辑：张迪
文章关键词： 民生银行 理财 投资
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