On March 5, the Shanghai Court made a judgment on the 780 million bill case of Tianjin Bank Shanghai Branch. The truth of the huge bill case that lasted for four years was finally revealed. This time, it was decided by internal employee Zhang and external employee Lu The colluded bills caused Tianjin Bank to lose 780 million, which could not be recovered. Lv, the main person in the case, was also sentenced to 19 years in prison, and Zhang, a former employee of Tianjin Bank, was sentenced to 15 years in prison.

This bill case originated in September 2015. The case occurred in April 2016. Tianjin Bank announced on the Hong Kong Stock Exchange that there was a risk of "purchase resale business" and the case had been reported. Mainly because Zhang, an employee of Tianjin Bank Shanghai Branch in charge of bank acceptance bill rediscounting business, assisted in the crime. The bank's employees handled the acceptance bill transfer and discount business only through the bill list and documentary materials provided by the other party without using real bills to store. And when it expired in January 2016, he once again used the above operation to obtain bank funds to repay the aforementioned funds. There were 4 operations in total, and he received more than 10 million in benefits.

After the above-mentioned funds were withdrawn from the bank, they eventually flowed through multiple transfers to accounts controlled by Hecheng Company and Lu, among which Lu belonged to Lu’s side. Hecheng Company participated in the account division because it was responsible for interbank accounts, bridging banks, bill lists and other information in this case. In the end, the funds allocated by Hecheng Company were used for a large amount of interest expenses, "borrowing new ones and repaying old ones" from interbank accounts, and transferring them to personal accounts for stock trading. Moreover, Hecheng Company already had financial difficulties from the beginning. Lv's side is actually a small group with a clear division of labor. Lv is responsible for raising funds, Lu is responsible for investment operations, and someone else is responsible for supervision and coordination. The allocated funds are used for personal squandering, private lending, debt repayment and futures. invest. In the end, the crime occurred because the investment failed and could not be repaid.

The people involved in this case are all born in the 1980s, and most of them have experience working in formal financial institutions. This means that they are familiar with the operating mode of the financial system and have made huge amounts of money by discovering loopholes in business processes. Benefit. Therefore, for the above-mentioned bill business, banks must take internal control precautions and increase the transparency of bill business to help reduce offline business risks.