银行“拉储”盛行的根本原因还是发展模式落后，没有摆脱“存款立行”的传统思维。 The bank"La store"The root cause of the popular development mode or behind,Did not get rid of"Deposit made line"Traditional thinking.

　　近日，浦发银行(600000,股吧)郑州二十一世纪支行原副行长马益江“非法融资”案开庭审理，涉案金额达数十亿元。专家表示，在“员工个人行为”背后，也暴露了我国银行对规模竞争过度依赖以及员工“拉储”在民间见怪不怪的深层问题。

recently,Shanghai pudong development bank(600000,guba)Zhengzhou branch of the 21st century former vice President MaYiJiang"Illegal financing"Open a court session to hear a case,Involving a value of billions of dollars.Experts say,in"Personal behavior"behind,It has also exposed a our country bank to scale competition overly dependent on and employees"La store"In the folk mind don't blame the deep problems.

　　以季末拉存款等名义“高息融资” The end of the season to pull deposit name"Tight financing"

　　1月9日，河南省郑州市金水区法院开庭审理浦发银行郑州二十一世纪支行原副行长马益江“非法吸收公众存款”案，引发社会关注。

On January 9,,Jinshui district court of zhengzhou city, henan province, Shanghai pudong development bank zhengzhou branch of the 21st century former vice President MaYiJiang"Illegal absorbing public deposits"case,Trigger social attention.

　　据了解，马益江在担任支行副行长期间，伙同他人以银行季末拉存款等名义“高息融资”，累计非法吸收公众存款数十亿元，主要用于拆借给河南省德麒投资集团法人代表鲁泊麟，后者名下有担保公司、钢材公司，投资涉足房地产、路桥等领域。后鲁泊麟资金链断裂，导致马益江无法偿还所欠本息，到案发时未得到偿还的资金超过10亿元。

It is understood,MaYiJiang as branch deputy President period,In collusion with others to the end of the season and bank deposit name"Tight financing",Accumulated illegal absorbing public deposits billions of yuan,Mainly used for lending to henan DE jiaqi investment group LuBoLin legal representative,The latter name secured company/Steel company,Investment in real estate/Luqiao, etc.LuBoLin after capital chain rupture,Lead to MaYiJiang cannot repay principal and interest owed,To the time of the crime is not repaid capital more than 1 billion yuan.

　　从2011年10月开始，相关债权人多次围堵浦发银行郑州二十一世纪支行，使这起非法集资案浮出水面。浦发银行表示，经过对所涉及业务进行的全面内部排查，未发现银行资金卷入其中。

From October 2011,Relevant creditors multiple containment Shanghai pudong development bank zhengzhou branch of the 21st century,Make the illegal financing case surface.Shanghai pudong development bank said,After business involved in comprehensive internal side,Not found the bank money involved.

　受害人：柜台存钱时被请进办公室 The victim:When saving the counter were invited into the office

　　据一位受害人介绍，马益江从2009年起便进行高息集资，与她有直接联系的债权人有60人左右，间接受害者则有上千人。不少受害人是到柜台存钱时，被马益江请到其办公室，被劝加入了其介绍的“业务”，马益江还为部分受害人开具了假单据。

According to a victim is introduced,MaYiJiang since 2009 and in tight funding,And she is directly linked to the creditors about sixty,Indirect victims have thousands of people.Many victims are to the front desk when saving,Be MaYiJiang please come to the office,Be advised to join the introduction"business",MaYiJiang also for part of the victim of false documents issued.

　　银行员工“个人行为”如何撬动数十亿元资金？马益江的支行副行长身份无疑成为其最重要的“保护伞”。一位受害人表示，自己一方面是被高回报吸引，另一方面，也是被马益江银行副行长的身份迷惑，误认为是银行行为，从而放松了警惕。

Bank staff"Individual behavior"How to prise billions of dollars of money?MaYiJiang branch deputy President identity undoubtedly become the most important"umbrella".A victim said,His hand was attracted high returns,On the other hand,Also be MaYiJiang bank vice President identity confusion,Mistaken for a bank behavior,And let their guard down.

　　马益江是连续三年的“拉储冠军” MaYiJiang is continuous three years"La store champions"

　　记者在采访中了解到，除了马益江支行副行长的身份，其得以成功“圈钱”的另一个重要原因，就是民间早已对银行高息“拉储”见怪不怪。

Reporter in the interview to understand,In addition to MaYiJiang branch deputy President's identity,The successful"Ring money"Is also important for another reason,Is the folk had to bank dear"La store"Mind don't blame.

　　据一位与马益江相熟的受害人介绍，马益江是郑州浦发银行系统连续三年的“拉储冠军”。2010年时，马益江以“拉储”为名找到自己，说要提升业绩，晋升职务，请他予以支持，并表示资金用于银行业务，不出银行。因为之前在贷款上有过合作，比较熟悉，且对银行高息“拉储”习以为常，于是将1亿多元交给了马，月息2分到4分不等。

According to a MaYiJiang and familiar the victim is introduced,MaYiJiang is zhengzhou Shanghai pudong development bank system in three consecutive years"La store champions".In 2010,MaYiJiang to"La store"Find their name,To improve performance,Promotion position,Ask him to support,And the said funds for banking,A bank.Because before the loan had cooperation,Familiar with,And bank dear"La store"Used to,So will be 100 million yuan to the horse,Monthly interest 2 to 4 points inequality.

　　这位受害人表示，银行向民间短期拆借资金的情况比较普遍，尤其在季末、年末，银行为了冲时点，月息甚至能高达1毛钱。出于互相帮忙的考虑和对正规银行的信任，帮助银行在短期内周转一下资金也很正常。

The victim said,Bank to folk call capital situation is more common,Especially at the end of a season/The end of the year,The bank in order to rush time,Monthly interest can even up to 1 cents.Help each other out of consideration and normal bank trust,Help the bank in the short term the turnover of funds is very normal.

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