Recently, the bank’s huge deposit “missing†has become a hot topic on the Internet. For example, the deposit of tens of millions of deposits in the bank of Zhejiang’s 42 depositors in Zhejiang is “stolenâ€, and there is only a small amount of 150 million yuan in the bank’s old bank. “I don’t know where to goâ€, depositors’ deposits in Yiwu, Nanjing, Hubei and other places are missing. "event. Will bank deposits really disappear? The so-called "missing" is actually "being cheated" Banks are known as the "three irons", iron accounts, iron models, iron abacus, and have a good reputation in all walks of life. To be precise, the above deposits are not “disappeared†or “stolenâ€, but are “spoofed†unconsciously. Before the case was broken, some people described it as "missing" and "lost", which seemed to be mysterious. In fact, the case of fraudulent deposits has long been available, neither new nor rare. With the increasing popularity of payment methods such as ATM machines, POS machines, online banking, and mobile phones, it has become the first choice of some scammers through bank channels or impersonating bank fraud. There are three types of fraud. The first is social fraud. For example, the old kiln company in Zhangzhou “lost†the bank deposit of 150 million yuan. Several fraudsters conspired to forge bank seals, fabricate fake deposit cooperation agreements, pretend to be bank staff to go to the company to open an account, obtain the company's information and impressions about opening an account, then privately spoof fake seals, forge account opening documents, and go to the bank to open an account And use fake seals to transfer all deposits out of the bank. For another example, an insurance company's delivery staff on-site service, using the bank card replicator on a special POS machine, steals customer information, and then makes a fake card to steal customer funds. Others sell ultra-low-cost rice on the streets, enticing passers-by to swipe their cards on their special POS machines... In such cases, the main reason is that the customer failed to distinguish the authenticity, leaked key information, and the funds were defrauded. The bank did not seem to have obvious fault. Of course, banks also have the responsibility and obligation to improve relevant systems and processes. It is necessary for bank staff to strictly check and check the situation and reduce the opportunities for criminals. The second is the collusion between bank employees and social workers. Its common deceptive bait is "high deposit interest." We all know that the annual interest rate of bank time deposits is between 2% and 5%, and the current interest rate is less than 0.4%. Some people say that deposits to a bank can give 10%-20% or higher. Will it fall on the hoe? I have to be drunk when I think about it. For example, the 42 depositors in Hangzhou, the intermediary scammer promised to give them an annual interest rate of 13%, and then were taken to a room opposite the bank, signed a letter of commitment, including "do not open SMS reminder" "do not open online banking permissions" No deposits and exchanges, "no inquiry", "no advance withdrawal", and even more ridiculous is "not to mention relatives and friends who work in the bank"... At this time, how can you think that this is not a normal savings deposit? Can the bank be willing to take full responsibility for this deposit? In the case of fraud involving internal and external collusion, the relevant bank must bear corresponding responsibility for the loss of funds of the depositors. Banks generally advance deposit principals and normal interest rates for their own credibility; the judiciary will also make final decisions based on the responsibilities of the parties. But in any case, the high interest rate on deposits is unprotected, and it is possible to lose some of the principal. The third is that bank employees defraud customer deposits. There have been bank employees who have tricked depositors into entering passwords many times, and secretly transferred the deposits without the knowledge of the depositors (see it? It is impossible to find the customer password inside the bank, you can only enter it by yourself). You don't have to worry about this kind of fraud, the bank will be fully responsible. There is a way to prevent fraud, avoid greed and carelessness High risk does not necessarily lead to high returns, and high returns must be high risk. In the current highly liberal financial market, the risk and return of any deposit or investment is basically proportional. Bank deposit savings with an annual interest rate of 3 or 4%, the state promises to the bottom (after the implementation of the deposit insurance system, there is a deposit insurance company); the bank's wealth management products with an annual yield of 6 or 7% are partly responsible for the bank's commitment; % P2P investment, P2P company or guarantee company promised to guarantee; enterprises with annual interest rate of more than 20% raise funds, and fund-raising enterprises promise to cash; private lending with an annual interest rate of 30%, the person who borrows money promises to repay. Which is guaranteed, which is risky, self-evident. Human greed is the cornerstone of the success of a liar. Can resist the temptation of high interest rates, will not jump into the trap of the liar. Be vigilant and protect your account information whenever and wherever you need it. Bank card accounts, passwords, verification codes on the back of credit cards, etc., cannot be easily disclosed to others. Pay more attention when swiping cards on POS machines and ATM machines, reject all unconventional equipment, and pay attention to any small movements of the other party. Once you find the stolen brush, immediately call the customer service to freeze the bank card, get the evidence to the nearest card, and then call the police. It’s not easy to earn some money this year, so be careful to sail for thousands of years! The knife is a must for erver kitchen .And we have great quality awesome product.It is precision forged from single piece of high-carbon German stainless steel; laser-controlled and tested cutting edge.The utility knife is perfect for peeling and paring fruits and vegetables.The chopper is sharp for cutting the food. We have chopper,chef knife, bread knife, caving knife,boning knife,utility knife . 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