The bank loan was defrauded. Why did the bank dare not report the case?

Legal knowledge

Why the bank does not report the case

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Nowadays, banks have to file lawsuits More and more, this shows that the legal awareness of banks has indeed improved. However, most of the lawsuits filed by banks are economic disputes. Criminal cases such as loan fraud, credit card fraud, internal employee corruption, misappropriation, etc. need to be reported to the public security or procuratorial organs. This shows that there are not many procuratorial organs prosecuting on behalf of the country. It is not that there are not many cases, but that not many are reported. This is an open secret. Banks hold huge amounts of property belonging to the country and the people. They not only have the right to extend loans to citizens and legal persons, but also have the obligation to strengthen supervision and prevent risks. Once it is discovered that a loan has been defrauded, it is the bank's only choice to immediately report the case to law enforcement agencies in order to investigate and punish the criminals, recover and reduce economic losses. There are four reasons why cases are not reported.

The first is that there is no case. Some people are seriously bureaucratic and neglect their subordinates, which makes the rules and regulations ineffective. Without restraints, problems cannot be discovered. For example, a bank accountant in Renqiu City, Hebei Province misappropriated more than 10 million yuan in a few years. He only realized something was wrong when the computer program needed to be changed to reconcile the accounts. By the time the case was reported, the person had already run away.

The second is that they dare not report the crime. The vast majority of our country's law enforcement ranks are good, but there are also bad ones. For example, a few years ago, a bank reported a 50,000 yuan counterfeit money order case. After the law enforcement agency took away nearly 100,000 yuan in case-solving fees, the case is still pending. If another case occurs, the bank will have to settle the financial accounts, and if it feels there is no hope of solving the case and recovering the stolen goods, it will not file the case.

Third, the crime cannot be reported. A case has been reported, and behind it is likely to be the selfish interests and corruption of a "small group" of small groups involved in the bank involved.

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