僵持近五个月后，陕西兴平国寿与银行内部人员联手运作的假保单窝案终于有了实质性处理进展。据了解，受害者日前已陆续领回本金，整体涉案款约5000万元，除追缴回的少部分款项外，大部分由相关金融机构出资善后。

In nearly five months later,Shaanxi XingPing state ting and bank's internal personnel to the operation of the false policy nest case finally have substantial processing progress.It is understood,The victims have been brought back by the principal,The whole paragraph involved about 50 million yuan,In addition to the payment for a few back outside,Most of the capital contribution by the relevant financial institutions rehabilitation.

　　去年8月29日，两家金融机构10余人遭警方控制，500余客户数千万资金被爆去向不明。更让人震惊的是，这出手法拙劣的骗局，已在众所周知的情况下上演了近10年。

Last August 29,,Two financial institutions more than ten by police control,More than 500 customers tens of millions of money is critical to unknown.Even more shocking is,The technique bad scam,Has set up a file in the well known cases on a nearly ten years.

　

　意外暴露的连环骗局 Accident exposure serial fraud

　　如果不是客户经理遭遇意外，所有一切可能还将按照原本的灰色路径相安无事的继续下去。

If not customer manager for accidents,All may also will be in accordance with the original grey path of peaceful to continue.

　　曾经被称为金牌业务员的刘静此前供职于工商银行(601398,股吧)陕西兴平支行，多次因销售业绩突出获得行内嘉奖。过去几年中，多名工行客户在刘静的介绍下，购买了中国人寿(601628,股吧)保险的一款“全能险”产品，该产品承诺投保人将定期获得回报，年化收益5%-7%不等。

Once known as the gold medal of the salesman had eppinger s. sourcing by design for commercial bank in(601398,guba)Shaanxi XingPing subbranch of a bank,Many times for sales outstanding obtain row praise.The past few years,More than customers in icbc introduced by eppinger s. sourcing by design,Buy the Chinese life(601628,guba)Insurance one"All-around risk"products,The product commitment policy-holder will regularly rewarded,Annualised 5% income inequality.

　　每一年，刘静都负责这款产品“分红”与“转存”手续的办理，从未有过失约，直到一年多前，刘静因车祸不幸身亡。

Every year,Eppinger s. sourcing by design is responsible for this product"Share out bonus"and"archived"Procedures for the,Never mistake about,Until a year ago,Because of the traffic accident died eppinger s. sourcing by design.

　　当时有客户来到工行咨询该保单后续服务的交接事宜，但令他们难以置信的是，工作人员竟表示，该行从未代销过这一产品，所谓保单也可能系伪造。客户随即向当地金融机关报案，一个利用假保单骗取巨额客户资金的连环骗局这才逐渐浮出水面。

When a customer came to icbc consulting the policy of the follow-up service for handover,But to their incredibly,Workers have said,The bank has never sell the product,The so-called policy may also is forged.Customer immediately to the local financial authorities report a case to the security authorities,A use false policy receive a huge customer capital serial scam it gradually emerging.

　　据当地金融业人士称，此案牵涉客户超过500人，涉案金额逾5000万，资金有可能投入民间高利贷并供个人投资挥霍等。

According to the local financial industry officials said,The case involved the customer more than 500 people,Involving a value more than 50 million,Funds may into folk usury and for personal investment splurge, etc.

　　“投资”于该产品的多位客户出具的保单显示，这款引发巨大风波的保险产品全称为“国寿稳健一生团体年金保险（万能型）”，保单下方盖有中国人寿保险股份有限公司兴平支公司保险合同专用章。

"investment"In the products issued by the customer more than policy display,This caused a storm of insurance products all called"China life prudence group annuity insurance(Universal type)",Under the policy with China life insurance co., LTD. XingPing sub-branch of the stamp of the insurance contract.

　　案发后，多位客户前往中国人寿了解情况，却被告知，这些保单系个人伪造。直到这一刻，他们登录中国人寿网站时才发现，并不能在官网上查到自己的保单编号。

After the,Many customers to know the situation of China life,Only to be told,These policy system personal forged.Until this moment,They login China life site found,And not in the official website to check their own policy Numbers.

　　资料显示，“国寿稳健一生”属于企业年金产品，由单位统一办理，单位和个人各出部分资金委托保险公司代为机构理财，实现个人在退休养老年龄段领取养老年金的目的。

Data shows,"China life prudence"Belong to enterprise annuity products,In a unified manner by the unit,Units and individuals from every part of funds entrusted to the insurance company financial institutions,In personal retirement pension age receive pension annuity purpose.

　　几年前，中国人寿兴平分公司及工商银行兴平支行的客户经理开始大规模推广此类业务，推广对象也由企业转为个人，退休职工更是他们集中攻坚的对象，各式流动宣传点在当地几家大型企业里全面开花。

A few years ago,China life XingPing branch and industry and commerce bank XingPing subbranch of a bank customer manager to start a large-scale promotion such business,Promotion object also by enterprise to individuals,Retired worker is the object of their crucial concentration,Various flow booth at a local several large enterprise in full bloom.

　　当时推介时，两家金融机构的工作人员承诺最低投资限额5万元，五人一组即可参团，保期一年可得到固定收益。而随着时间推移，这一产品的承诺收益率也越来越高，2007年，收益从4%-5%涨到了7%。

At the time when promote,Two financial institutions staff commitment minimum investment limited to RMB 50000 yuan,A group of five people can CanTuan,Regardless a year can get fixed income.But with the passage of time,The product of the rate of return on commitment more and more is also high,In 2007,,Income from 4% - 5% up to 7%.

　　除此之外，产品还抛出了先行返还收益这一看似更为稳妥的保障方式。例如投资10万元承诺先行返还7%收益，投资人只需要缴纳93000元，就可拿到显示投资金额为10万元的保单。

In addition,The product is out first return the profits this seemingly more seasoned security mode.Such as the investment of 100000 yuan first commitment return 7% of the income,Investors only need to pay 93000 yuan,We can get the display investment amount for 100000 yuan policy.

　　就这样，如此的资金游戏在兴平这个小县城里相安无事的运作了近10年，直到去年8月29日案发，当地工商银行和国寿十余位工作人员突击遭到警方控制，当中不乏高层管理人员。而两家金融机构方面也成立了专门的调查小组，从总部及外地分支行调派人手前往兴平协助处理相关事宜。

so,Such funds in the game XingPing smaller counties town peaceful operation for nearly ten years,Until last August 29 of the crime,The local HeGuoShou commercial bank more than ten a staff assault by police control,There is no lack of senior management personnel.And two financial institutions also has established the special investigation team,From the headquarters and nonlocal branch dispatching hands to help XingPing handle relevant matters.

　　好在，在当地政府牵头及两家金融机构的配合下，此案有了令客户相对满意的处理方案。本月5日，8·29案件处置小组宣布，开始受理涉案客户的本金兑付事宜。由于此产品相当于先期已经支付了7%左右的年化收益，此番客户可按合同上的投资金额领回93%的本金，并交回旧时签署的保单合同及收据。据了解，如今大部分兑付工作已经完成。

may,In the local government lead and two with financial institutions,The case has the customer relative satisfactory treatment scheme.5 days this month,Eight · 29 cases disposal team announced,Began to accept customer's principal matters involving cash.Because this product is equivalent to advance has paid 7% annualised income,The customers can according to the contract and the investment amount claim 93% of the principal,And return the old policy signed contract and receipt.It is understood,Now most of the cash the work has already been done.

　　而消息人士透露，被私自挪用的保费目前只追回300多万元，以此弥补客户损失显然杯水车薪。“最后是工行和人寿拿出5000万来解决问题，按照整个事件的责任划定，人寿出了大部分，工行出小部分。”

And sources,Be privately divert premium currently only recover more than 300 yuan,To make the customer loss obviously in the ocean."The icbc and life out of 50 million to solve the problem,According to the whole event responsibility defined,Life the most,Icbc out small."

　　

失控的分支机构 The branch of out of control

　　至此，震惊当地金融圈的重案终于在某种程度上尘埃落定，然而关于两家金融机构风险控制问题的反思远不能就此结束。

So far,Shocked by the local financial circle finally properly in some degree the dust settles,But about two financial institutions risk control problem of reflection is not ended.

　　据了解，大部分涉案人员目前已回到工作岗位，仍被警方控制的是关键人田亚军。

It is understood,Most of the people involved has to go back to work,Is the police control is the key person field runners-up.

　　田亚军此前为中国人寿兴平分公司副总经理，常开着挂有人寿标志的公车高调出入。上述假保单案中，此人是牵头者，也亲自经手了很多业务，部分老客户购买这一产品都是他亲自出面，在其办公室中办理。

Runner-up for the field after China life XingPing branch deputy general manager,Often open a life sign bus high-profile access.The false policy case,He is QianTouZhe,Also personally handle a lot of business,Part of the old customer to buy the products are he will appear,In the office to deal with.

　　据多位客户表示，两家机构屡次表态，虽然涉案人确为其员工，但都属于个人的违法行为，两家机构并不知情，并且“也是受害者”。

According to many customers said,Two agencies often comment,Although the suspect it for its staff,But all belong to personal illegal behavior,The two institutions is not informed,and"As victims".

　　然而这样的说法并不能得到众多客户的认可。他们表示，业务的办理很多都是在国寿的办公室或工行营业网点中公开进行的，并在当地进行了非常高调的宣传，这样的保险产品销售在当地金融业并不是什么秘密，很难接受两家机构没有责任的说法。

However this idea and can't get numerous customer recognition.They say,For many business in China life's office or icbc business office of the public,And in the local very high-profile publicity,Such insurance product sales in the local financial industry and is not what secret,It is difficult to accept two institutions that have no responsibility.

　　事实上，近几年见诸报端的诸多类似事件中，内部人员的贪婪固然是引发案件的重要原因，但是金融分支机构管理失控，才是背后更值得重视的深水区。

In fact,In the central hunan province in recent years many similar incident,Internal personnel's greed is is a important reason of the case,But financial branch management is out of control,Behind is more worth paying attention to the deep water area.