Rebirth of financial migrant workers

Chapter 224 Gray Area
Anti-money laundering is a system in which the government uses legislative and judicial power to mobilize relevant organizations and commercial institutions to identify possible money laundering activities, dispose of relevant funds, and punish relevant institutions and individuals, thereby achieving the purpose of preventing criminal activities. project.

In January 2003, the Central Bank of China issued the "Anti-Money Laundering Regulations for Financial Institutions", the "Administrative Measures for Reporting Large-Amount and Suspicious RMB Payment Transactions" and the "Administrative Measures for Reporting Large-Amount and Suspicious Foreign Exchange Fund Transactions by Financial Institutions".

The 2006 "Central Bank of China Law" clearly states that the Central Bank of China guides and deploys anti-money laundering work in the financial industry and is responsible for monitoring anti-money laundering funds.

In the same year, the Huaguo Anti-Money Laundering Monitoring and Analysis Center was established, affiliated with the Central Bank of Huaguo, responsible for receiving, analyzing and transferring financial intelligence.

Also in the same year, the Central Bank launched a large-value suspicious transaction monitoring system to automatically monitor frequent and large-value transactions.

According to the requirements, each branch of each bank must have a dedicated anti-money laundering post. They must check the abnormal situations prompted in the monitoring system every day. If they are normal, they will be eliminated. If there are indeed problems, they will be reported.

However, in fact, many commercial banks mostly deal with errands in their anti-money laundering work.

Regarding the list of suspicious transactions issued by the central bank, they did not verify it carefully at all and hurriedly selected "not suspicious".

For example, the person responsible for the anti-money laundering duties at the Sanlimiao Branch of Mule Bank is a teller who has just graduated. At the end of the day, he spends five minutes going through the anti-money laundering system, which is considered to have completed the task.

Faced with this situation, the Central Bank has increased the frequency of special anti-money laundering inspections year by year since 2010 and increased the penalties for banks that violate regulations.

It can be said that as time goes by, anti-money laundering work takes an increasingly higher priority among the central bank’s various responsibilities.

Zhao Gang’s second uncle, Zhao Maochang, is currently in charge of anti-money laundering work at the Central Bank of Shuanghe Province.

He is also very troubled by the way various banks, especially some small local banks, deal with anti-money laundering tasks.

According to the instructions from above, it is urgent to catch a few typical cases this year to scare the monkeys.

What Wang Chunliang said about giving a big gift is aimed at this.

Zhao Gang took out the hard-shell Huazi cigarette case from his pocket, opened it, took out a piece of chewing gum, stuffed it into his mouth and chewed it hard a few times.

"You haven't quit smoking yet?"

"It's almost the final stage. So the gift you just mentioned is a typical example of catching two banks' anti-money laundering lapses?"

"Yes, a 70-year-old unemployed woman and a 10-year-old elementary school student ended up with tens of millions of funds in their accounts in just a few days. Isn't this proper money laundering?"

Zhao Gang spit out the chewing gum in his mouth on the ground, picked up the wine glass, touched it with Wang Chunliang, and asked:

"I understand this, it's a proper money laundering behavior. Brother, you and I don't have to play charades. Just tell me directly, what do you want to get?"

"I need to know the whereabouts of the large amounts of money in these two people's accounts." Wang Chunliang stared at the other person's eyes and answered word for word.

According to the explicit regulations, information involving personal accounts is customer privacy and should not be disclosed to others after compliance inquiries.

But in practice, this is a gray area.

As long as the other party is willing to bear a series of troubles that may arise from this, it is not impossible to disclose information about the target of the capital outflow.

To give a common example, during the execution stage of debt dispute cases, court judges often encounter persons subject to execution who have no money in their accounts.

Based on work experience, these people are likely to have transferred funds to the accounts of relatives and friends.

According to express regulations, if you want to inquire about the personal accounts of relatives and friends in the bank, you must issue a formal investigation letter.

As we all know, the court cannot simply issue a letter of inquiry based on the judge's personal suspicion.

So how will the judges check the accounts at this time?
They will find the contact person of the corresponding bank and ask the other party to privately check the balance of the suspect account. You may wonder why the bank agreed to such an illegal request.

It's very simple, use each other and help each other.

Every bank will have cases brought to court, such as overdue credit cards and forced auctions of collateral.

These cases are of small amount and large number of cases, and often require a long queue for a court hearing.

In order to speed up the process and obtain a favorable judgment during the court trial, the bank will inevitably establish a good relationship with the judges, and why not help them check the accounts for minor violations.

In the same way, Wang Chunliang's request is not excessive or difficult.

If Zhao Gang himself was a staff member of the People's Bank of China's Anti-Money Laundering Center, he would definitely agree directly without hesitation.

But now that the person concerned is his relative after all, he naturally cannot make promises on behalf of others.

Zhao Gang thought for a moment and said:

"This matter must be approved by my second uncle first. I dare not guarantee you, but one thing is that I will definitely do my best to help you with your work."

Wang Chunliang: "Don't worry, your second uncle won't refuse. I'll wait for your news."

Zhao Gang picked up the beer bottle and drank it all in one gulp, and then said with a big tongue: "I drank so fast that my head is a little dizzy."

Wang Chunliang smiled and said nothing.

According to the other party's drinking capacity, drinking this beer is like drinking tea.

The subtext of why he said this now is that if he mentions this matter again tomorrow and says he drank too much and forgot about it, it means that the matter was not done.

Zhao Gang did not drink too much.

As soon as he got to work the next day, he called and said that the old man and his second uncle wanted to invite Wang Chunliang to his house for a casual meal in the evening.

Wang Chunliang knew there was something going on as soon as he heard it and readily agreed.

After get off work in the afternoon, he first bought some regular gifts near the branch, then got in Zhao Gang's Jeep and went straight to the family area of ​​the Provincial Central Bank.

The old man, Zhao Gang’s grandfather, used to be the number one figure in the Central Bank of Shuanghe Province.

Although he has retired for many years, he still has the aura of a superior person, and his words and deeds bring great pressure to Wang Chunliang.

No wonder when Gangzi talks about the old man in his family, his words are always filled with a little trepidation.

Mr. Zhao called Wang Chunliang to his side. He did not mention the help, but took the lead in thanking:
"Xiao Wang, I heard Gangzi talk about you often. He learned a lot from you, and you also take good care of him at work. I have to thank you first."

Wang Chunliang quickly waved his hand: "Old man, you are serious. Gangzi and I are good buddies, and we should help each other."

Mr. Zhao nodded and said: "We are government civil servants, and we must act in accordance with the rules. You can provide us with clues about money laundering, which is appreciated, but there are some additional requirements."

He stared at Wang Chunliang playfully, paused for a moment, and then continued:

"It's not impossible, but you have to tell me what you want the information for?"

(End of this chapter)