如果不是资金链断裂，浦发银行(600000,股吧)郑州21世纪支行(以下简称“21世纪支行”)原副行长马益江应该还过着名利双收的生活。

If not capital chain rupture,Shanghai pudong development bank(600000,guba)Zhengzhou branch in the 21st century(Hereinafter referred to as"The 21st century subbranch of a bank")Former vice President MaYiJiang should also have a life of fame and wealth.

　　然而，一切的美好都在2011年10月22日被打破。当天，马益江伙同他人因涉嫌非法吸收公众存款罪，被公安机关监视居住，于2012年5月29日被正式逮捕。2013年1月9日，郑州市金水区法院对此案进行了审理。

however,All the better in on October 22, 2011 is broken.the,MaYiJiang colluding with others for suspected illegal absorbing public deposits sin,By the public security organs of residential surveillance,In on May 29, 2012 to be formally arrested.January 9, 2013,Zhengzhou jinshui district court case to the trial.

　　据最新消息，马益江案涉及资金高达63亿元，目前直接受害人53人，还有接受客户理财资金的7~8家担保公司，间接受害人达到500余名。多位受害人表示，当刑事审判结果出来后，还将以“表见代理”为依据联合起诉浦发银行。

According to the latest news,MaYiJiang case involving money is as high as 6.3 billion yuan,At present the direct victims 53 people,And accept customer's financial capital of 7 ~ 8 guarantee company,Indirect the victim to more than 500.Many said the victim,When the criminal trial results come out,Will also to"Agency by estoppel"According to the prosecution for Shanghai pudong development bank.

　　值得注意的是，浦发银行的员工利用职务便利犯罪的案件近年来在全国各地频频曝光，引发社会对该行内控管理问题的关注。分析人士指出，如何加强对分支行的管理，规范从业人员行为以防范风险，成为浦发银行及当下银行业亟待解决的问题。

It is important to note that,Shanghai pudong development bank employees use convenient position crime cases in recent years in all parts of the country frequently exposure,Trigger social for the internal control management issues.Analysts pointed out that,How to strengthen the management of the branch,Standard employees behavior in order to guard against the risk,As Shanghai pudong development bank and the banking problems to be solved.

　　庭审争议 Trial dispute

　　又生一起因银行支行行长参与社会融资活动而引发的犯罪案件。

And she again bare together because the bank branch President to participate in social financing activities caused by crime.

　　这起案件的主角是马益江，现年38岁。她和另一名被告、现年51岁的河南省德麒投资集团法人代表鲁泊麟因涉嫌非法吸收公众存款案被郑州市金水区检察院起诉，并于2013年1月9日在郑州市金水区法院受审。

The case is the leading role MaYiJiang,Age, and.She and the other one of the defendants/The 51-year-old henan DE jiaqi investment group legal representative LuBoLin suspicion of illegal absorbing public deposits by the zhengzhou jinshui district procuratorate prosecution,And on January 9, 2013 in zhengzhou jinshui district court trial.

　　鲁泊麟在郑州是个“很吃得开的人物”，他涉及的业务极广，旗下控制河南德麒投资有限公司、河南华隆置业有限公司等十家从事房地产、金融投资的公司。

LuBoLin in zhengzhou is a"Very be popular character",He is very wide, involved in the business,Its control henan DE jiaqi investment co., LTD/Henan hualong real estate co., LTD. 10 engaged in real estate/Financial investment company.

　　至于马益江，据知情人士介绍，其父马老群系从河南省高级人民法院副厅级审判员、赔偿委员会主任职位上退休，在郑州当地极有影响力。而马益江本人性格果敢，人脉广，业务能力强，曾因为业绩出色多次获浦发银行嘉奖，并差点坐上正行长的位置。

As for MaYiJiang,According to people familiar with the introduction,His father horse formation from henan province higher people's court judge pair hall class/Compensation committee director post retirement,In zhengzhou local very influential.And MaYiJiang I resolute character,Wide connections,Business ability,Once many times because of outperformance by Shanghai pudong development bank praise,And almost take is the position of the President.

　　正是这二人共同撬动了高达63亿元的资金杠杆。

It is precisely these two common pry up to RMB 6.3 billion of funds lever.

　　起诉书显示，2009年上半年，鲁泊麟在办理银行业务的过程中认识了马益江，鲁为在公司经营及投资中用款方便，与马达成共识，由马向社会吸收闲散资金，将所吸收资金转给鲁用于投资经营，鲁在一定期限内还本并支付高息。此后，自2009年9月至2011年11月，马利用其在银行工作的便利条件及担任副行长的影响力，向众多客户及亲友吸收存款，大部分用于鲁的投资经营。除了鲁泊麟，马益江还累计以此方式借给岳国杰和张守峰各1.03亿元和600万元。

Indictment shows,In the first half of 2009,LuBoLin in banking business process known MaYiJiang,Lu in the company management and investment with money is convenient,And the horse reached an agreement,The horse to the absorption of idle funds,The absorption funds to lu for investment management,Lu within a certain period of repayment of principal and pay dear.Since then,From September 2009 to November,The horse to use its work in a bank convenience condition and served as deputy President influence,To many customers and friends take deposits,For most of the robust investment management.In addition to LuBoLin,MaYiJiang also accumulated in this way to YueGuoJie and ZhangShouFeng every 103 million yuan and 6 million yuan.

　　根据司法会计鉴定意见书，马、鲁吸收公众存款涉及存款户69户，累计收取存款总额63.96亿元，累计偿还存款53.76亿元，累计未偿还存款余额10.20亿元，累计支付利息及费用5亿元，未偿还净额5.73亿元。案发后，鲁陆续向存款户兑付资金3477.15万元。

According to the judicial accounting appraisal opinions,The horse/Lu absorbing public savings account in 69 households,Accumulated charge deposit of 6.396 billion yuan,Accumulative total pay deposit 5.376 billion yuan,Total outstanding balance is 1.02 billion yuan,To pay the accumulated interest and costs 500 million yuan,Outstanding net amount is 573 million yuan.After the,In lu to account cash capital of 34.7715 million yuan.

　　据参与庭审的人士透露，庭审现场公诉方和被告人代理律师之间的争论焦点在于“非法吸收公众存款罪”的认定上。公诉方认为，马、鲁二人已触犯刑法第一百七十六条的规定，非法吸收公众存款，数额巨大，须承担刑事责任。而被告人律师则认为，二人行为属于民间借贷，不构成刑事犯罪，只需承担民事责任。

According to participate in the hearing people said,The court prosecution and the defendant lawyers for the debate between focus"Illegal absorbing public deposits sin"On the cognizance of the.Prosecution think,The horse/Lu two people have the provisions of article one hundred and seventy-six of the criminal law,Illegal absorbing public deposits,Huge sums,Shall bear criminal responsibility.And the defendant lawyer is considered,Two people behavior belongs to the folk lending,Does not constitute a criminal offence,Just bear civil liability.

　　对此，一位受害人透露，出事后，鲁泊麟一开始只承认使用马益江提供的民间借贷资金3.2亿元左右，后来却转变态度，全部承认。不过，却告诉他们要想拿回本金，必须和其旗下河南华隆置业有限公司签合同，并交出马益江出具的借据。“庭审的时候，我们才意识到，鲁就是想用这种方式逃脱被追究刑事责任。”该受害人表示。

this,A victim has revealed,After the,LuBoLin a began to recognize only use MaYiJiang provide folk loan fund 320 million yuan or so,But then change your attitude,All admit that.but,But tell them to take back the principal,Must and its its henan hualong real estate co., LTD sign a contract,And MaYiJiang surrender certificate of iou."Trial when,We didn't realize,Lu is want to use this way to escape shall be investigated for criminal responsibility by."The victim said.

　　而根据《刑法》的相关规定，如果马、鲁二人的罪名成立，将面临三年以上的牢狱之灾。

According to[Criminal law]The relevant provisions of the,If the horse/Lu was found guilty of two people,Will be faced with more than three years jail.

　　案件始末 Case's history

　　回忆起与马益江的合作过程，受害者之一、从事建材生意的许先生深感上当受骗。他说，郑州当地的物流公司一般都是浦发银行的客户，为了方便收支货款，他也在21世纪支行开了户。由于平日进出的资金量比较大，引起了马益江的注意。

Recall and MaYiJiang cooperation process,One of the victims/Engaged in building materials business Mr. Xu was cheated.He said,Zhengzhou local logistics companies are generally Shanghai pudong development bank customers,In order to facilitate the balance payment,He also in the 21st century subbranch of a bank to open the door.Because of the more there is in and out on weekdays,Caused the attention of the MaYiJiang.

　　“大概是2010年9月的时候，马益江直接给我打电话说，季度末他们行需要拉存款，要我把钱存到她的账户，就可以给我2分(2%)的月息。马益江说不便用她自己的账户操作，因此我的钱都是打到她父亲马老群的账户上的。”许先生说：“我一直以为这些钱就是给她用来冲存款、拼业务的，后来出事了，我才知道她是把钱高息借给了鲁泊麟。我现在还有1000多万元没拿回来，这还不算400多万元的利息，损失太大了。”

"It is September 2010 time,MaYiJiang directly to call me said,At the end of the quarter they do need to pull deposit,Shall I take money to her account,Can give me two points(2%)Monthly interest of.MaYiJiang said inconvenient to use her own account operation,So my money is playing to her father MaLaoQun account of."Xu said:"I always thought that the money is to give her to impact deposit/Spell business,Then had an accident,I didn't know that she was the money tight lent LuBoLin.I now have more than 1000 yuan didn't bring back,This is not more than 400 yuan of interest,Loss is too big."

　　《中国经营报(博客,微博)》记者获得的一份监察机关内部文件显示，马益江案具体的资金搬运路径是：存款户经马益江介绍，把款项存到其父马老群账户后，马益江将马老群账户的资金转到鲁泊麟账户，鲁泊麟根据收到的存款，转利息款到自己旗下的谷爽账户，再由谷爽将利息款转到马益江之母丁爱仙账户，马益江从丁爱仙账户中，将利息付给存款户。

[China business newspaper(blog,Micro bo)]Reporters have a supervisory organ internal documents show,MaYiJiang case specific fund handling path is:Account the MaYiJiang is introduced,The money is his father MaLaoQun account,MaYiJiang will MaLaoQun account funds transferred to LuBoLin account,LuBoLin according to receive the deposit,Turn their interest photo's GuShuang account,Again by GuShuang will interest money turns to the mother of MaYiJiang DingAiXian account,MaYiJiang from DingAiXian account,Will be of interest to pay account.

　　多位受害人告诉记者，之所以愿意把钱放在马益江的手里，正是看中其银行工作人员的身份。“马益江是支行副行长，而且业务都是在她的副行长办公室里办的，所以我把钱给了马。想着只要钱在银行里面，就不会出事。”许先生说。

Many victims told reporters,Are willing to put the money in the hands of MaYiJiang,It is take a fancy to the bank staff identity."MaYiJiang is branch deputy President,And the business is in her deputy President office do,So I put the money to the horse.Thinking about as long as money in the bank inside,Won't have an accident."Xu said.

　　一位受害人沈小姐介绍，她是2011年中去21世纪支行存入一笔过百万的款项，在此过程中被大堂经理介绍到了马益江的办公室，交流后，马益江向她介绍了一款理财产品，基于对马益江副行长身份的信任，沈小姐将这笔原准备存作定期的款项，打进了马益江指定的户头。

A victim introduce miss shen,She is 2011 years to the 21st century subbranch of a bank deposit a sum of over millions of money,In this process was introduced to the lobby manager MaYiJiang office,After communication,MaYiJiang introduced her to a new financial products,Based on MaYiJiang deputy President of the identity of the trust,The original miss shen to save money regularly,In the MaYiJiang designated account.

　　这些受害人也坦承，高息也是他们愿意把钱给马的重要原因。据了解，马益江给众多储户的利息，多为月息2分，到了后期，资金链快要发生断裂时，甚至高到了月息6分。这意味着，按月计利率2%~6%，若仅按单利计算，则年化利率在24%~72%附近。

The victim also admits,Dear is they are willing to give money to the important reason for the horse.It is understood,MaYiJiang give numerous customer's interest,For monthly interest two points,The late,Capital chain is going to happen when fracture,Even high to the monthly interest 6 points.This means that,According to the monthly rate of 2% ~ 6%,If only by simple interest calculation,The annualised rate of 24% ~ 72% in nearby.

　　案件曝光也是因为鲁泊麟的资金链出现了断裂。从2011年8月25日起，鲁泊麟控制的付息账户谷爽账户，不再直接对丁爱仙账户转款，于是马益江将2011年8月底以后，存款户们存入马老群账户的1.37亿元，直接用于偿还利息。而到2011年10月下旬，马益江终于支撑不下去，再也付不出利息。受骗的存款户们报案，马益江案由此曝光。

Case exposure but also because LuBoLin capital chain in the crack.From August 25, 2011 up,LuBoLin control and interest account GuShuang account,No longer DingAiXian account directly to turn paragraph,So MaYiJiang 2011 years after the end of August,The account MaLaoQun account deposit 137 million yuan,Applied directly to pay interest.By late October, 2011,MaYiJiang finally support not go down,No longer can not afford to pay interest.Guy to the account,MaYiJiang case this exposure.

　　内控之失 Internal control's loss

　　2012年4月，40多名受害客户，曾聚集到浦发银行郑州分行，要求浦发郑州分行承担马益江骗储一事的责任。他们认为，正是因为马益江有着21世纪支行副行长的光环才使得客户存入她指定的账户，希望浦发银行基于“表见代理”制度承担法律责任。

In April 2012,Forty suffer the customer,Had gathered in Shanghai pudong development bank zhengzhou branch,Shanghai pudong development requirements of zhengzhou branch assume the responsibility of the MaYiJiang cheat reservoir.They think,It is for MaYiJiang with 21st century subbranch of a bank vice President aura that customer in her designated account,Shanghai pudong development bank based on hope"Agency by estoppel"System bear legal responsibility.

　　但据受害人表示，此后浦发银行一直表示，马益江已于2011年10月份辞职，此事为其个人行为。这引发受害人不满，随后多次去银监会等相关部门上访。

But according to the victim said,Then Shanghai pudong development bank has been said,MaYiJiang already in October 2011 to resign,This is the individual behavior.This caused the victim dissatisfaction,Then many banking regulatory commission (CBRC) and related departments to appeal.

　　“浦发银行在郑州这边的内控管理上肯定存在问题。当时我们去找马办业务都是在她办公室里，而且客户经理、支行行长都知道，甚至有人告诉我郑州分行领导也知道（此事）。因为马能拉存款，业绩好，浦发银行还给马奖励了一台价值50万元的车。此外，这个支行个人账户每个月1亿多元的交易量，怎么可能不引起上级银行的注意？”许先生称，在郑州，浦发银行其他支行也出了类似事情。但这一事实尚未得到记者的证实。

"Shanghai pudong development bank in zhengzhou this internal control management must have problems.When we go to the horse do business is in her office,And the client manager/Branch President all know,Even someone told me zhengzhou branch leadership also know(it).Because the horses can pull the deposit,Performance good,Shanghai pudong development bank back to horse reward a value 500000 yuan car.In addition,The branch individual account each month of 100 million yuan trading,How can not cause the attention of superior bank?"Xu said,In zhengzhou,Shanghai pudong development bank and other branch out similar things.But the fact that the reporter has not been confirmed.

　　本报记者就上述说法向浦发银行求证，浦发银行回复称，以其2013年1月11日的公开声明为准。在这个公开声明里，浦发银行表示，马益江于2011年10月离行，此后被公安机关羁押调查。该行将继续积极配合司法机关工作，并将以此为戒，持续加强对员工的教育和管理。目前该郑州分行业务正常。

Our reporter said to the Shanghai pudong development bank verification,Shanghai pudong development bank reply said,With its January 11, 2013 public statement shall prevail.In this public statement,Shanghai pudong development bank said,MaYiJiang in October 2011 from the line,Then by the public security organs of custody survey.The bank will continue to actively cooperate with the judicial organ,And based on this ring,Continue to strengthen the education and management staff.The zhengzhou branch business normal.

　　值得一提的是，浦发银行表示，在获知马益江涉案信息后，第一时间就其涉及业务进行了全面内部排查，未发现银行资金卷入其中。

Be worth what carry is,Shanghai pudong development bank said,In MaYiJiang learned information involved,The first time in its business for a comprehensive internal side,Not found the bank money involved.

　　然而，监察机关提供的文件显示，马益江与鲁泊麟还委托20人在浦发银行办理了质押贷款业务，共贷出1.82亿元。2011年10月11日案发后，21世纪支行平账收回了大部分的贷款，并返还给了受托人。这和浦发银行的上述说法存在出入。

however,Supervisory organs shall provide documents show,MaYiJiang and LuBoLin also entrust twenty people in Shanghai pudong development bank for the pledge loan business,A total of 182 million yuan lending.On October 11, 2011 after the crime,The 21st century subbranch flat account back most of the loans,And returned to the trustee.The Shanghai pudong development bank and the above statement and existence.

　　事实上，近年来，浦发银行的员工利用职务便利犯罪的案件在全国各地屡有发生。

In fact,In recent years,Shanghai pudong development bank employees use convenient position crime cases in all parts of the country to sometimes occur.

　　2012年7月，据广州市检察院指控，2008年至2009年间，浦发银行广州分行中小客户部总经理王珏利用审批贷款的职务便利，伙同贷款审查员谢志刚，通过伪造申请贷款的书证资料，帮助一空壳公司老板申请获取贷款7800万元。为此，王珏受贿256.1万元，谢志刚变相受贿16.6431万元。

In July 2012,According to the guangzhou procuratorate charges,Between 2008 and 2009,Shanghai pudong development bank guangzhou branch of small and medium-sized customers department general manager off-label use approval loans convenient position,Engage in loan examiner XieZhiGang,By forging to apply for a loan of documentary evidence material,Help a shell company boss apply for a loan of 78 million RMB.therefore,Off-label bribery is 2.561 million yuan,XieZhiGang disguised bribery is 166431 yuan.

　　即便是在浦发银行的总部上海，也不太平。2011年1月，上海市一中院开庭审理一起案件：2010年初，浦发银行上海长宁支行原客户经理张琦佳，因赌博欠款20余万元，利用职务身份，以帮助企业贴现名义从上海彤程公司骗取580万元，这笔钱不久就被他赌博输掉了。因害怕事情败露，他又以同样方式，从上海旺烨金属材料有限公司骗取1870万元。

Even in the Shanghai pudong development bank's headquarters in Shanghai,Nor peace.In January 2011,Shanghai YiZhongYuan open a court session to hear a case:At the beginning of 2010,Shanghai pudong development bank Shanghai changning branch original customer manager ZhangQiJia,Gambling debts and more than ten thousand yuan,By taking advantage of their identity,In order to help enterprise discount name ever from Shanghai cheng company diddle 5.8 million yuan,The money will soon be his gambling lost.Because of a fear of things found out,He in the same way,From Shanghai prosperous Ye metal materials co., LTD., diddle 18.7 million yuan.

　　交行首席经济学家连平表示，之所以会发生银行员工利用职务便利进行社会融资这样的案件，是因为当经济下行紧缩的时候，资金利率高，很多人为了赚取利差铤而走险。

Its chief economist even flat said,The bank will happen employees use convenient position on social financing such case,Because when the economy down tight time,Funds rate high,A lot of people in order to earn interest margin rush in where angels fear to tread.

　　其实，银行在内控管理上本身并不允许员工从事这样的行为，但如果网点管理人员和员工一块来做就很难防范。为此，银行需要加强对分支行的监督管理，用人上要特别注意，网点管理人员要经常更换。

In fact,The bank internal control management itself is not allow employees engaged in such behavior,But if the network management personnel and employees a to do it is hard to prevent.therefore,Banks need to strengthen the supervision and management of the branch,The personnel to pay special attention to,Network managers often should change.

　　亡羊补牢，时犹未晚。

Better late than never,Of late when.

　　尽管声称马益江的行为属其个人责任，但浦发银行已悄然开始了内部整治。据记者获悉，2012年9月29日，该行在内部下发文件，表示总行针对当前风险案件特点，制定了《员工严令禁止行为》(简称“十二禁”)，其中一条就是“严禁私自代客理财或参与民间融资、信用中介、非法集资等”。该行表示，对违反“十二禁”和严重违反监管机构以及该行其他有关规定的，一经查实，立即对正式员工予以开除或解除劳动合同；对以劳务派遣形式在该行工作的人员，退回劳务派遣单位，不再接受。

Even though it says MaYiJiang behavior of their personal responsibility,But Shanghai pudong development bank has quietly begun the internal regulation.According to the reporter learned that,On September 29, 2012,The bank in internal documents issued,Said the head office in view of the current risk characteristics of the case,made[Staff adjuration prohibited behavior](Referred to as"Twelve forbidden"),One of the is"Without permission is strictly prohibited stead or participate in the folk financing/Credit intermediary/Illegal financing, etc".The bank said,In violation of"Twelve forbidden"And a serious breach of regulators and the other relevant provisions,Once identified,Immediately available for formal employees will be fired out or remove labor contract;In labor dispatching form in the work of the staff,Return staffing firms,Will no longer accept.

　　此外，浦发银行还自2012年7月密集出台了一系列内控文件。其中，2012年7月3日发布关于《防范和打击非法集资宣传教育活动方案》的通知；2012年8月23日发布《关于加强廉洁自律有关要求的通知》；2012年9月19日发布长达47条的《上海浦东发展银行员工违规行为问责管理办法》，对员工行为作出严格规定。

In addition,Shanghai pudong development bank also since July 2012 intensive issued a series of internal control file.the,On July 3, 2012 on release[To prevent and combat illegal financing propaganda education programmes]notice;August 23, 2012 release[To strengthen the honesty and self-discipline of the requirements of the notice];On September 19th, 2012, the release for 47[Shanghai pudong development bank staff violations accountability management measures],To employee behavior to make strict rules.

　　值得一提的是，连平指出，对投资者来说，也要加强风险防范意识，在追求高收益的同时，也要搞清楚风险是否可控。

Be worth what carry is,Even flat pointed out that,For investors,Also want to strengthen risk prevention consciousness,In the pursuit of high yield and at the same time,Also want to make clear whether or not the risk is controllable.