What is the deception door of Minsheng Bank? 10

Summary. Hello, I think that the president of the Beijing branch of Minsheng Bank is suspected of falsifying wealth management products and attracting high-net-worth customers by way of product "concession" transfer, resulting in more than 150 investors with more than 3 billion funds missing. To put it simply, 150 high-end private banking customers purchased counterfeit wealth management products with a total scale of up to 3 billion yuan through the Beijing branch of Minsheng Bank, known as "guaranteed principal and interest".

Minsheng Bank: The real Minsheng Bank is still a scam bank.

Hello, I think that the president of the Beijing branch of Minsheng Bank is suspected of falsifying wealth management products and attracting high-net-worth customers by way of product "concession" transfer, resulting in more than 150 investors with more than 3 billion funds missing. To put it simply, 150 high-end private banking customers purchased counterfeit wealth management products with a total scale of up to 3 billion yuan through the Beijing branch of Minsheng Bank, known as "guaranteed principal and interest". 

Hurry up and borrow money to repay the loan, or you will be sentenced. Overdue not only has a late fee of 5% of the minimum unpaid part (minimum 10 yuan), a penalty interest on the full amount of the bill (5/10,000 of the daily interest, interest is calculated from the day of consumption, and the interest is collected on a monthly basis until the principal and interest are paid off), but also has a bad credit record in the credit information center of the People's Bank of China, affecting the application of credit cards and bank loans within 2 years. If you fail to repay the loan after more than three months or the bank has not repaid the loan after more than two reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and may also sue you for credit card fraud and malicious overdraft, which will be enforced by the court.

If the person refuses to repay the loan after prosecution and the amount owed exceeds 10,000 yuan, the court will sentence him according to Article 196 of the Criminal Law for the crime of credit card fraud! Article 196 of the Criminal Law stipulates that in any of the following circumstances, a person who commits credit card fraud and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or short-term detention and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; where the amount is huge or there are other serious circumstances, a sentence of between 5 and 10 years imprisonment and a concurrent fine of between 50,000 and 500,000 RMB is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine of between 50,000 and 500,000 RMB or confiscation of property: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulently using another person's credit card; (4) Malicious overdraft.

Malicious overdraft refers to the act of the cardholder exceeding the prescribed limit or the prescribed period of overdraft for the purpose of illegal possession, and still refusing to return it after being collected by the card-issuing bank. You fall into the fourth situation.

Bank complaints can only complain to the employees who gave you the card at that time, and the staff mobility of the credit card department is very large, some of them resigned after not doing it for a long time, the first year of the people's livelihood card is exempt from annual fees, the card is activated and consumed within two months, the content of these annual fees is written on the application form, but the person who gave you the card will only let you fill in the information, and will not give you time to slowly look at the small print on the table, it is estimated that the salesman at that time gave you a card in order to let you do it without telling you that there are conditions for free annual fees. Complaining to the bank is just a penalty for the employee, and the bank will determine that you have signed the application form to agree to all the terms and conditions of the application form, and will not cancel the annual fee.

Find other ways** or complain to the bank's higher authorities. Finding a bank will never be useful.

The most direct is to complain to the CBRC, the most extensive is to go to Weibo and the media to publish news, and the most useless is to go to the bank to complain.

The most straightforward way is to go to the bank and find their manager. Go to whichever line you do. If you can reach the reporter of the TV station, then the solution will be quick.

If you don't have money for your credit card, don't touch it.

Look at the product manager. Any wealth management product will have a product manager, the manager of the bank's wealth management products is naturally the bank, if the investor sees that their contract is not written on the bank, but what is the investment company or private equity management company to pay attention to.

Look at what stamps. The manager of the "flying order" product must not be a bank. Rather, it is a wealth management project company, investment company or private equity management company.

Therefore, investors must see clearly what official seal is stamped on the contract when encountering a financial manager introducing a certain product, and they need to be cautious if they are stamped with other official seals.

Check the escrow account. Experts remind that the trust products in the banking system have undergone stricter risk screening, and their risks will be more controllable than those of non-affiliated products, and the rate of return will be lower. When investors encounter high-yield products such as trusts, they should first ask the wealth manager which institution issued them; Secondly, the custody accounts of trust products sold by banks through formal channels are all in the Bank, while the custody accounts of "flying orders" may be in other banks.