The origin of the incident

In June 2013, after graduating from university, Kong Xiangwei entered a foreign bank in Nanjing with excellent results to engage in customer financial management business. During his work, he made a lot of profits due to his outstanding performance and his involvement in a number of leveraged investments. Since March 2014, Kong Xiangwei has successively borrowed more than 2 million yuan from relatives and friends for leveraged investments, such as gold speculation, futures trading, etc. Due to the stock market crash in 2015, by October of that year, he had suffered a total loss of more than 3 million yuan. Because Kong Xiangwei's girlfriend's family was relatively well off, after learning that Kong Xiangwei's investment had failed, the girl offered to contribute 1 million yuan to help Kong Xiangwei pay off his debts, on the condition that Kong Xiangwei moved into his girlfriend's home. Desperate, Kong Xiangwei had no choice but to agree to the terms of his girlfriend's family and repay part of the loan from a friend in Nanjing. In November 2015, he resigned and returned to Hai'an to prepare for the marriage.

After becoming greedy

Because Kong Xiangwei was unable to repay the remaining loan of more than 2 million yuan, creditors kept coming to collect debts, and even made a big fuss at Kong Xiangwei's wedding, which made Kong Xiangwei and his wife's family lose face. lose. How to repay the loan and re-establish his image as a financial white-collar worker in the eyes of his wife and her family is what Kong Xiangwei is planning day and night. After thinking about it, Kong Xiangwei started to think about the customer's bank deposit. It turned out that after Kong Xiangwei returned to Haian, with his financial background, he quickly served as a financial account manager of a bank in Haian, responsible for recommending financial products to customers and absorbing financial funds. Kong Xiangwei found that the income of bank wealth management products is relatively low, usually between 4% and 5%. Although investing in futures and gold has huge risks, the income is 10 times or even 100 times that of bank wealth management products. There is a huge income between the two. Difference. Therefore, Kong Xiangwei had a misconception, "I can borrow the client's funds to speculate in futures first, and then return them to the client based on the bank's financial management income when they mature."

Transfer deposits

In May 2016, Ma Laohan, who lives in Hai'an County, heard that the financial products of Kong Xiangwei's bank had relatively high returns, so he went to the bank to inquire about financial products. Kong Xiangwei enthusiastically recommended a financial product to Old Man Ma with a yield of 4.5%. Old Man Ma thought it was pretty good, so he handed over the 600,000 yuan in his bank card to Kong Xiangwei. According to the normal operation of the bank, Kong Xiangwei should transfer customer funds into the bank's financial account through the bank's POS machine, but Kong Xiangwei tied his bank card to apply for a POS machine and placed the POS machine at the same time as the bank's POS machine. On his own desk, he used his POS machine to swipe the customer's funds into his own account when defrauding the customer's funds, and then issued a false financial management receipt to the customer.

Caught by the police

In December 2016, by chance, Old Man Ma took the financial management receipt to Kong Xiangwei’s bank to inquire about his income. It happened that Kong Xiangwei was on vacation that day, and the bank staff did not The crime occurred after inquiring about investment records. Kong Xiangwei was subsequently captured and brought to justice by the public security organs. According to Kong Xiangwei's confession, when he committed the crime, although he took advantage of his position as a financial account manager, he did not attack anyone indiscriminately. Instead, he chose elderly people who did not know how to operate online banking or use mobile banking. client. Because these elderly customers believe that depositing their savings in the bank is the safest, they generally will not inquire at the bank during the deposit period. After investigation, as of the time of the incident, Kong Xiangwei had transferred more than 11.3 million yuan in deposits, causing an economic loss of nearly 5 million yuan.