Chapter 292 We have never lost a lawsuit! 7,000 words
"Sorry, I don't understand what you mean." Jiang Bai frowned.
He is in a very unhappy mood now, but he has not had any attacks because of his good education and quality.
The lobby manager still smiled and had a good attitude: "I don't mean anything else, I just want to ask, why did you withdraw so much money at once?"
Jiang Bai asked back, "Does I still have to report to you if I withdraw my own money?"
The lobby manager explained: "Sir, don't get me wrong, that's it. In March this year, the Ministry of Public A and the People's Bank of China and other relevant departments issued the "Regulations on the Preservation of Customer Due Diligence and Customer Identity Information and Transaction Records of Financial Institutions", which clearly stipulated
When commercial banks, rural cooperative banks and other financial institutions handle cash deposit and withdrawal services of more than 50,000 yuan for natural person customers, they should identify and verify the identity of the customer, understand and register the source or purpose of the funds."
"This is a method specially formulated to control financial order, prevent illegal money laundering, and combat financial fraud, and it is also for the sake of customers."
"Sir, please understand."
After listening to the lobby manager's explanation, Jiang Bai's complexion was slightly relaxed.
If this is the case, it would be understandable.
After all, telecommunications fraud is so rampant now, and victims are emerging one after another. If a bank asks so many questions, it may help the deceived people wake up in time and reduce losses.
As for money laundering... To be honest, most people are not very able to get in touch with this level, and do not understand the twists and turns inside, but it seems to make sense.
Thinking of this, Jiang Bai nodded and said, "I withdraw money for charity. I have made an appointment with the manager of the charity."
"So that's the case. Please verify the original ID card and bank card for me. This is a large withdrawal appointment form. Please fill in it truthfully."
As he said that, the lobby manager handed over a form.
Jiang Bai picked up the pen and started filling in it.
In addition to basic information such as name, ID number, contact information, etc., you also need to state the time of reservation withdrawal, withdrawal amount, etc., and there are quite a lot of things to be filled in.
Especially in the column "Usage for Withdrawals", there is also a line of small words that need to be filled in truthfully.
Anyway, it looks quite troublesome.
However, considering that the bank is doing this, it is also responsible for depositors, and there are clear laws and regulations, Jiang Bai has no objection.
It was filled in quickly.
After completing the large withdrawal appointment, Jiang Bai went home.
"Manager Chen, I'm really embarrassed. The bank needs to make an appointment in advance for large withdrawals. I have to break the appointment this afternoon. Next Tuesday, I will contact you in advance. Yes, I didn't expect this to happen..."
Jiang Bai called Chen Bin from the Aikang Foundation. As soon as he walked out of the elevator, he saw someone sitting against the wall at the door of his house, with his eyes closed and seemed to be asleep.
It was Sun Xiangzheng.
"Manager Chen, I have something to do here. I won't tell you now. OK, goodbye."
Hang up the phone, Jiang Bai walked up and gently woke Sun Xiangzheng up: "Brother, what are you doing here?"
Sun Xiangzheng looked up and looked.
The child's hole shrinks slightly.
Then, he knelt on the ground with a "thump" sound: "Benefather, great benefactor, I'll kowtow to you."
While talking, he kowtowed "bangbang".
Seeing this, Jiang Bai knew that Sun Xiangzheng must have guessed that he was the one who donated.
"Okay, what are you doing? Get up quickly."
Jiang Bai helped Sun Xiangzheng up.
"Benefactor, the money you gave not only saved my son's life, but also saved our family. It would not be too much for me to kowtow to you." Sun Xiangzheng said with red eyes.
I feel grateful and full of guilt.
Jiang Bai waved his hand and said, "Don't call me my benefactor, it's awkward. My name is Jiang Bai. Just call me my name..."
To be honest, Jiang Bai was quite embarrassed when facing Sun Xiangzheng's thanks, but he also felt a sense of "pride" and "satisfaction" in his heart.
It is always said that helping others and helping others, but until now, Jiang Bai truly understood the meaning of this word.
Sun Xiang is a real person. After being invited into the house, he kept thanking him and apologizing to Jiang Bai, and promised that he would never decorate during the time period prohibited by law in the future and would not cause trouble to him again.
As for the inability to complete the work on time...
Pay as much as you should according to the contract.
Through conversation with him, Jiang Bai realized that the owner of the house upstairs was no longer Wang Defa's family, and the house was sold to another person. The new owner did not like the original decoration style of wood grain bricks and maroon, so he found a decoration team.
Demolitioned and renovated.
But these things actually have nothing to do with Jiang Bai.
What he has to do now is wait for three days and then withdraw money.
...
Three days passed in a flash.
That morning, Jiang Bai came to the bank business hall again.
Get the number, queue up, call the number...
The female employee named Zhu Yanbing was the last time she received him.
"Hello, I made an appointment to withdraw five million cash last Saturday. Please help me with it."
Jiang Bai handed in the relevant documents and materials.
"Sorry, sir, because your one-time withdrawal amount is large, our bank has not made sufficient preparations yet, so I'm afraid I can't withdraw money this time." Zhu Yanbing said apologetically.
Jiang Bai's face darkened and he asked, "Not ready? Why aren't it ready?"
"You said that you should make an appointment three days in advance for large withdrawals. I made an appointment. Isn't three days enough for you to prepare?"
"Then tell me, when will you be ready!"
"Well..." Zhu Yanbing smiled and said after thinking about it: "This is how you come again on Friday."
"This is my second time to come to your bank. What you mean is that I can withdraw the money on Friday, right?" Jiang Bai asked.
Zhu Yanbing smiled and nodded: "It's OK in theory."
Jiang Bai frowned: "What does 'theoretical' mean?"
Zhu Yanbing said: "It's just that there are no unexpected situations, you can take it."
"...Okay! Then I'll come back on Friday, and I hope you're ready by then."
Jiang Bai held back his inner dissatisfaction and stood up and left.
...
Friday.
Jiang Bai came to the bank again.
It is still a fixed window, and it is still a familiar bank employee.
"I made an appointment last Saturday to withdraw money. It's been a week. You should be ready, right?"
Zhu Yanbing stretched out her hand and said calmly: "Please take the appointment form and I'll check it out."
Jiang Bai handed over the large withdrawal appointment form he had left, but the latter glanced and returned it, and said, "I'm sorry, your form does not meet the standards and you cannot withdraw money."
"Huh? What does it mean?" Jiang Bai's face couldn't help but sink.
Zhu Yanbing pointed casually and said, "In the column of withdrawal purposes, you wrote it too simply. You only wrote "For charitable donations", but you did not write clearly which charity the other party was, nor did you have this charity.
Specific information and supporting documents. Oh, by the way, why do you want to donate, why donate at this time, why you choose this charity, etc., all these have to be written clearly."
After hearing this, Jiang Bai's face turned completely gloomy and suppressed his anger and asked, "What do you mean is that I have to ask the charity to issue me a written proof?"
Zhu Yanbing nodded and said, "Yes, our bank has the responsibility and obligation to supervise the flow and use of cash withdrawn from our bank, which is also to control the financial order and prevent financial crimes."
Jiang Bai laughed angry.
"You are not wrong? I just put the money in your bank, but it doesn't mean the money has become a bank! Why do I have to be tried like a prisoner by you? You have
What qualifications do you want to get stuck like this!"
The bank understands the source of customers' funds and the purpose of withdrawal is fine, but it is too much to pick on it in this way!
After all, money belongs to the customer!
Even if I withdraw the money and stuff it into the refrigerator or use it to make the bed and wall, your bank will not be able to manage it!
"I know you're in a hurry, but don't worry."
Zhu Yanbing had a formulaic smile on her face, and she had a good attitude, but she was also very tough.
"This is the regulation of our bank. You must fill out the form truthfully in accordance with the regulations and then I can handle the business for you after review and verification from above."
"Please don't make things difficult for me, okay, I'm just a small employee."
Jiang Bai asked with a dark face: "Since there is such a rule, why didn't anyone tell me when I filled out the form before?"
"Maybe the lobby manager was negligent. I apologize to you on his behalf. I'm sorry."
Zhu Yanbing apologized without hesitation.
But there is still a meaning in and out of the words. Now you can’t withdraw money, and nothing you say is useless.
Jiang Bai took a deep breath and gritted his teeth and said, "Did I improve the purpose of withdrawing money and provide proof from a charity to withdraw money?"
"Not like this."
Zhu Yanbing shook her head and said, "You need to bring all the information to make an appointment again. The appointment form has expired. If it goes well, you may be able to withdraw money next Monday."
“…”
Jiang Bai glanced at Zhu Yanbing deeply, but had no choice but to leave.
He has also checked the Internet in the past two days. The central bank does have such regulations on large-scale deposits and withdrawals, so strictly speaking, the bank's approach is not illegal.
Half an hour later.
Jiang Bai came to the Aikang Foundation and met Chen Bin.
The latter looks less than forty years old, wearing a suit and ties, a pair of gold-rimmed glasses, a white face, and a gentle and gentle person.
"Hello, Mr. Jiang, I am still your fan. I didn't expect to see you. It's such an honor. Please sit down."
Chen Bin welcomed warmly.
After the two of them greeted each other, Jiang Bai explained his purpose.
He needs the foundation to issue a written document to prove that he is indeed going to donate to the foundation.
"I know that you need to make an appointment for a large withdrawal, but the bank requires so many requirements for the purpose of withdrawals... it's too outrageous." Chen Bin frowned.
More than just outrageous.
It's so outrageous that he's crying out of grave, he's so outrageous!
Jiang Bai curled his lips and said, "Who said no? If I were not withdrawing money but saving money, I would definitely not be in such trouble."
Chen Bin laughed.
There are some things you know, and you don’t need to say too much.
Written proof documents are a trivial matter.
While Chen Bin personally entertained Jiang Bai, he asked the secretary to print the certificate and stamp it.
Not long after, Jiang Bai got the certificate, and he did not stay too much, said goodbye to Chen Bin, went to the bank again, and made a large withdrawal appointment again.
However, this time, the amount he made an appointment to withdraw was not five million.
But...two five million!
This is Jiang Bai’s entire deposit in this bank.
He was not relieved that his money would continue to exist in this bank.
Today I was given various cards because I took five million, but tomorrow I might have lost these 20 million for no reason - something like the custodian of self-stealing has happened.
"Hmm? 25 million? Mr. Jiang, did you write it wrong? I remember the last time you made an appointment was 5 million." The lobby manager asked in confusion after seeing the amount on the form.
Jiang Bai said, "It's not wrong. Last time I made an appointment to get five million. Aren't you not going to get it for me? So I'm going to get two hundred and fifteen million this time, no problem?"
"Then... you have to donate all these 25 million?" the lobby manager asked tentatively.
"Oh, that's not." Jiang Bai waved his hand, "Five million is for charity, and the remaining twenty million, I want to keep it at home."
“Ah? Ah?”
The lobby manager was stunned for a moment and quickly advised: "Mr. Jiang, why are you doing this? Just buy some financial products launched by our bank, and the benefits are very considerable. I can recommend a few good ones to you.
Financial management, the lowest annualized rate of return is above 3%.
"No need, it doesn't matter whether this little money is available or not, I don't like it." Jiang Bai leaned behind the chair, and his whole body exuded the aura of a rich man.
The lobby manager twitched his lips and tried hard to persuade him: "But it is not safe to put so much cash at home. If you catch a fire or are patronized by a thief, your losses will be huge. You should put them in bank insurance."
Jiang Baidandan said: "I can still avoid this risk, so you won't have to worry about it."
"Mr. Jiang, you don't have to do this. Our bank still..."
Seeing that the lobby manager was still stumbled, Jiang Bai interrupted him with a gesture and said in a deep voice: "I just want to ask if there is any law that stipulates that the money cannot be taken out and put at home? Well? Is there any!"
"No, no."
The lobby manager swallowed.
"Then please stop talking about those that are not available. Hurry up and handle the appointment process for me, I'm in a hurry."
"……All right."
The lobby manager had to do it.
After a while, he said to Jiang Bai: "Mr. Jiang, this appointment process has begun and is expected to take three to five days...it can be approved on working days."
"Peng!"
Jiang Bai couldn't bear it anymore, so he slapped the table suddenly and shouted at the lobby manager:
"What did you say?"
"The last appointment was three days, but this time it's been three to five working days! I deposited the money in your bank to make peace of mind, not to make you disgusted me!"
"It can take me half a month to withdraw money..."
"Does others not get angry and you treat others as fools?"
The clay Buddha still has three parts of fire, let alone a person with seven emotions and six desires.
Jiang Bai wanted to withdraw some money, but he ran to the bank four times but didn't withdraw it. He had to wait another three to five working days.
And more importantly, with the bank's urinary nature, it may not be able to be successfully removed after three to five working days.
Jiang Bai's unyielding anger finally burst out at this moment.
The movement here attracted a lot of attention.
"Mr. Jiang, don't be angry. It's not that I made things difficult for you on purpose. The last time you made an appointment was five million, and this time you have an extra 20 million. Our bank also needs more time to prepare."
"Please acknowledge it."
The lobby manager said with a smile.
I have to say that this person has a good attitude and always smiles at you, not getting angry, not getting angry.
But... I don't do anything.
He is indeed a person who can be competent for the position of lobby manager. He is indeed professional enough. The Tai Chi skill points are probably full.
This reason may sound reasonable, but if you think about it, you will know that it is pure fart.
Banks are looking for reasons to delay time!
"I can't understand. Where is your president? Let your president come and talk to me!" Jiang Bai said.
The lobby manager said: "Sorry, our president is not here today. If you want to meet the president, you can make an appointment with me. If it goes well, you should see you next Tuesday and Wednesday."
“…”
Jiang Bai was really angry and laughed.
He should be glad that he was not in a hurry to use money to help his life. He had no doubt that even if it was life-saving money, the bank could delay it for a long time with various reasonable, reasonable, legal and compliant reasons.
Jiang Bai had thought about calling the police or prosecution.
But it seems useless.
The bank's approach is indeed too much, but if it is really necessary to pursue it, people can also give a set of reasonable reasons.
When the police are here, the bank will give you a sentence "It's not that you are going through the process, but it's not that you won't let it go." The police can't do anything.
As for prosecution, there is even more hope. I probably can't get over the process of filing the case.
Banks seem to have experience in this area, so they are fearless.
"Sheng, then I'll come back next Friday. I want to see what other reasons your bank can move out then!"
Jiang Bai said a coldly, turned around and left.
Didn’t you say that it takes three to five working days? OK, I will come here in five working days according to the longest time.
You have no excuses, right?
But the facts proved that Jiang Bai still underestimated the bank's shameless face.
Because when he came to the bank again a week later, he was told that the withdrawal appointment had not been approved yet!
"Mr. Jiang, you need to go through a lot of procedures when you withdraw so much money at one time."
This time, Jiang Bai was invited into the VIP reception room and was received by the VIP account manager.
It seems that the treatment has improved, but for Jiang Bai, it is nothing more than a person who has changed to him.
Jiang Bai took a deep breath and shouted angrily: "It's been half a month! I just want to withdraw some money. You delayed me for half a month!"
"Why didn't I use any process when I came in to save money?"
"Oh, now I'm going to withdraw money, but this doesn't work, what do you mean!"
The account manager explained: "Mr. Jiang, don't get me wrong. We didn't mean to jail you. It's because you have to withdraw too much money. Our bank also needs to dispatch and coordinate, otherwise it is easy to have a fund gap..."
"Don't talk to me about these things. The funding gap in your bank is something you should consider, it has nothing to do with me!"
"I just know that no bank may restrict depositors' deposits and withdrawals for any reason!"
"It has been half a month since my first appointment. I am asking your bank to withdraw my money immediately, immediately!"
Jiang Bai glared at the account manager with an extremely determined attitude.
"Mr. Jiang, I understand your feelings very much..."
"I don't need your understanding, I only have my money!" Jiang Bai directly interrupted the lobby manager and said, "Give me a clear answer, can I withdraw money today!"
"terribly sorry."
The account manager shook his head slowly.
Jiang Bai asked, "Then when can I get the money?"
"This... depends on the actual situation, because there have been many customers withdrawing money recently, and it is really difficult for us to meet the needs of every withdrawal customer."
It's better to drag it out.
Logically speaking, banks will definitely not offend a big customer unless the people in the bank are kicked in the minds.
But the bank refused in every way, just not handling business for Jiang Bai.
This abnormal situation made him unable to help but have some speculations.
Could it be... it's not that the bank doesn't want him to withdraw money, but that he can't afford so much money at all!
To put it bluntly, banks can actually be regarded as a commercial intermediary company.
On the one hand, help depositors keep their deposits.
On the other hand, banks will also use these deposits to create profits for themselves, the most common of which are lending and investment.
This is understandable, after all, banks also need to make profits.
However, banks will have cash in stock to deal with the bank's own daily expenses, employee wages, and depositor withdrawals.
Depositors store money in the bank. Whether the bank uses the money to lend or invest, it is fine, but the premise is that you must ensure enough cash in stock. You cannot say that you cannot take it out when others come to withdraw money.
Of course, if it is a large withdrawal business of several million or tens of millions, it is not realistic to let the bank take out so much cash on the spot, so there is a process of making an appointment in advance.
Branch A does not have enough cash, so you can get it from Branch B, or you can borrow it from other banks with business cooperation. In short, your bank must ensure that depositors can withdraw their money smoothly.
It’s nothing to wait for three or five days, but Jiang Bai has been half a month now.
If something goes wrong, there will be a demon.
This also made Jiang Bai realize that if he didn't act really well, he might not be able to get the money if he waited for another half a month.
Thinking of this, he gave an ultimatum directly: "I must get my money today, otherwise I will sue you!"
"Haha, then you go and sue."
The account manager smiled coldly and leaned against the chair and said slowly: "We have never lost the lawsuit!"
Jiang Bai's face darkened, and he was about to say something.
At this moment, a long-lost electronic synthesizer sounded in my mind.
[Dongdou! You have new events to be unlocked (click to view details)]
Fog grass!
What is the surprise of trampling on a horse?
The system that had been silent for a long time finally came back to the world. It seems that the bank's overlord approach can't even stand it.
Then what else is there to say?
Unlock!
check the details!
[Ding! The incident "Difficulty in withdrawing money in banks" has been unlocked]
[Event Name: It is difficult for banks to withdraw money]
[Basic Situation: The host wants to withdraw the money from a certain bank, but the bank has tried every means to shirk it and obstruct it all kinds of things. There must be something strange about this matter...]
[Auxiliary props: 100,000 yuan in litigation funds]
【Current completion: 0%】
Jiang Bai raised the corner of his mouth slightly, glanced at the account manager, said nothing, and got up and walked out of the VIP reception room.
The account manager was still hesitating whether he should call the security guard.
As a result, Jiang Bai left without saying anything.
"hehe……"
"I thought it was so awesome, that's it?"
The account manager curled his lips disdainfully.
After waiting for a while, he also got up and walked out of the reception room, walked to the back and knocked on the door of the president's office.
"Governor, I've sent Jiang Bai away, but before he left, he said he wanted to sue our bank."
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Hearing this, the president "Fan Haitian", who had just passed his forties, frowned slightly.
The finger joints gently tapped the table and began to think.
"President, Jiang Bai is not an ordinary person after all. He just specializes in this. Will he..." The account manager was a little worried.
"So what about Jiang Bai?"
Fan Haitian sneered:
"All our operations are law to follow and rules to follow. Even if he really sues, the court may not necessarily file a case."
"Okay, I know this, you go down."
Fan Haitian sent the account manager out.
Then he took out his cell phone and dialed a number: "Xiaoyu, how are you recovering funds from your side?"
"You have to hurry up. I have a big customer here who wants to get more than 20 million. I'm already trying my best to delay, but this is not a solution."
"Anyway, you have to return the money and plug this hole."
"Well, that's it."
After saying that, Fan Haitian hung up the phone, threw his cell phone on the table, and pinched his eyebrows tiredly.
Jiang Bai guessed right, there was something strange about this matter.
Fan Haitian's brother-in-law had a funding gap in business, so he found his brother-in-law, who was the bank president, and asked him to use his position to embezzle 30 million from the bank for emergency response.
Fan Haitian was unwilling to do so, but he couldn't resist his wife being quarrels and making noise at home, so he had no choice but to move the bank's money.
As long as you fill this hole within a certain period of time, it will be fine.
But what Fan Haitian didn't expect was that at this critical moment, someone happened to withdraw large amounts of funds.
If you can't afford so much money, you can only drag it.
This is also a helpless move.
In fact, Fan Haitian is already a little regretful now. Embezzling public funds is not a trivial matter, let alone 30 million!
But it is useless to regret it now. On the one hand, I can only try my best to drag Jiang Bai and urge my brother-in-law to do my best.
As long as my brother-in-law's funds are successfully recovered, this matter will pass without anyone noticing.
Afterwards, Fan Haitian prepared to light commemorative coins for cigarettes and alcohol, and he personally came to apologize. Maybe he could maintain this big customer.
The key now is time!
...
On the other side.
In an office building, a man in his thirties hung up the phone and rubbed his teeth with worries.
He is Fan Haitian’s brother-in-law, Meng Yu.
He "borrowed" the money to fill the capital chain. He promised Fan Haitian very well, saying that he could recover funds and fill holes in at most ten or eight days.
But the actual situation is very different from what he expected.