林建飞吸收的公众存款中，有30多万元用于互助站的装修、购买办公设备、门市租金、员工工资、奖品购买等方面，其他部分用于短期投资，而大部分还存在银行卡中。经法院审理查明，从2011年12月设立互助站，到2012年4月19日案发，林建飞共吸收80多人100多笔存款，共计144万余元，其中41万元在案发前已被部分存款人取回。

LinJianFei absorption public account,There are more than 30 ten thousand yuan for mutual station to decorate/Buying office equipment/Outlets rent/Employee wages/Prizes purchase, etc,Other parts used for short-term investments,And most still exist in the bank.The court found,From December 2011 set up mutual aid station,To on April 19, 2012 the,A total of more than 80 people LinJianFei absorb more than 100 deposits,A total of more than 1.44 million yuan,Of which 410000 yuan before the attack has been part of the depositor to retrieve.

　　

读案提示 Read case hint

　　他毕业于财经大学，所学专业是金融。对于家乡的父老来说，他是一个专业人才，正因为这种不对等，他的“创业”计划得以成功起步。他所创办的农民投资互助站，在农民眼里，就是一家银行。 这家山寨银行，何以能存在5个月？

He graduated from university of finance and economics,Major is finance.For home for elder,He is a professional talents,Because of the wrong, etc,his"venture"Plan to be successful start.He established farmers investment mutual aid station,In the eyes of farmers,Is a bank. The fortress bank,Why can there five months?

　　

第一回彩色传单撒诱惑 存款高息有回扣 For the first time color leaflet and temptation deposit tight a rebate

　　宝应县安宜镇，总人口不足30万人。镇上的银行，居民们闭着眼睛也能数得过来。

Baoying county town --,The total population of less than 300000 people.Town bank,The residents with eyes closed and also be able to number them.

　　然而，2011年12月，有村民路过安宜镇沿河集镇时，无意间发现，南唐路铜材市场对面，不知何时冒出一家“银行”。

however,In December of 2011,The villagers have passed along the river -- when the market town,Inadvertently found,NaTang road across the copper market,I do not know when emitted a"The bank".

　　这家“银行”设在一个两层楼的门面房内，外墙上悬挂着一副大字招牌“宝应新农村农民投资PP互助站”，内设存取款柜台、办公场所等，格局乍一看和其他银行网点无异。

the"The bank"In a two floor appearance room inside,Outside the wall hanging signs a pair of characters"Baoying new rural farmers investment pp mutual aid station",With different counter/Office, etc,Pattern at first sight and the other bank outlets.

　　“这是银行吗？”大字招牌甫一亮相，就立刻成了当地老百姓饭后的谈资，大家纷纷猜测如果是，为什么称作“互助站”呢？如果不是，怎么长得跟镇上的其他银行网点一样呢？

"This is a bank?"Top sign just one appearance,Immediately became the talk of the local people after dinner,We were sure if it is,Why called"Mutual station"??If not,How long have to other bank outlets in the town?

　　几天后，一封“致农民朋友的一封信”彩色传单，解答了居民们的疑惑。传单这样写道：

After a few days,a"A letter to farmers"Colour leaflet,Solve the residents doubts.Leaflet wrote:

　　亲爱的农民朋友们：

Dear farmers:

　　你们好！首先，作为农民，我们很感谢，政府免去了我们身上的很多税收，咱们农民种地已经不交租了，我们从那一年开始，我们有存款了。我们的心情好起来了！我们外出打工的时候，腰杆子也硬多了，这样我们储蓄也越来越多了！咱们农民图的就是个能保本带赚的事。

How do you do!First of all,As farmers,We are very grateful for,From the us, the government a lot of revenue,Let's farmers sow the land is not the rent,Us from the start,We have the deposit.We cheered up!We go to work time,Back also much more hard,So we savings also are more and more!Let's farmers diagram is a can make things with break even.

　　这两年是不是感觉日子过得又紧张起来了？咱存的钱越来越少了，不够用了，想做点事不容易，想从自己常存款的银行借点钱也不可能了。

These two years are feeling a day and tense up?I save money less and less,Not enough,Want to do something is not easy,Want from yourselves bank to borrow some money also impossible.

　　为什么呢？答案就是，国家政策紧，银行也有规定，不是我们想借就能借的，银行不是咱们的钱袋子，您现在有自己的储蓄罐了吗？如果还没有，就赶快来办一个吧！

why?The answer is,National policy tight,The bank also has a regulation,Not that we want to borrow can borrow,The bank is not our fund sources,You now have their own storage tank?If you don't have,Hurry up to run a it!

　　

咱农民自己的储蓄罐有什么好处？ I farmers own storage tank have what good?

　　1。咱自己的储钱罐，存款收益就是高，只要存就有现金回扣。

1.I own money box,Deposit income is high,As long as the deposit have cash rebate.

　　2。咱自己的储钱罐，想取就取，不用再到银行排长队。

2.I own money box,Want to take he took,Don't have to bank of long queues.

　　3。咱自己的储钱罐，想借就借，不用抵押，不用担保，就能获得您个人存款的两倍以上的信用借款。

3.I own money box,Want to borrow borrow,Don't mortgage,Don't guarantee,Can get your personal deposit more than twice as much as the credit loan.

　　这封信病句连连，但每一句似乎都说到了居民们的心坎上，大伙儿看懂了，动心了。

This letter while repeatedly,But each sentence seems to have said to the residents' hearts,We all understand,The killer.

　　

第二回：衣锦还乡变行长父老乡亲眼一亮 The second time:Return home after getting fame or money become President fellow countrymen eyes a bright

　　最让村民们感到亲近的是，这封“致农民朋友的一封信”落款处写着：“电话：130xxxxx999，林建飞，老家沿河官沟。”

The most let the villagers feel close is,This letter"A letter to farmers"Badging place written:"telephone:130 xxxxx999,LinJianFei,Officials in the ditch."

　　镇上的小子飞出小镇，衣锦还乡做“行长”，村民们对林建飞十分信任。几天后，村民们发现，林行长为“帮助村民就业”，在互助站门口贴出“英雄帖”，招兵买马。

The town's boy fly out of the town,Return home after getting fame or money to do"President",The villagers to LinJianFei very trust.After a few days,The villagers found,Lin President for"Help the villagers employment",In mutual stood at the door of the post"Hero for",recruiting.

　　60多岁的阿志，家住安宜镇刘堡村，在村里做了大半辈子会计，后退休在家，闲着无事。一天，他到镇上办事时，路过互助站门口，看到招聘启事，便进去应聘。

Sixty o the volunteer,-- in the fort liu village,In the village did most accounting,Retired at home after,Idle no matter.One day,He went to town in the office,Pass by mutual stood at the door,See the recruitment notice,Will go in for.

　　没想到，仅仅一个面试，阿志就通过了。第二天，他就成了互助站的会计。此时，互助站已人员齐备。林建飞的舅舅负责每天核账，另有一个主管、一个会计、两个柜台业务员。就这样，互助站正式开张纳客了。

Didn't think,Only one interview,Through the friendly bum.The second day,He became mutual aid station of accounting.At this time,Mutual aid station has personnel ready.LinJianFei uncle will be responsible for daily nuclear account,Another competent/An accountant/Two counter clerk.so,Mutual aid station opened formally accept the guest.

　　那时，农忙时节没到，村里的大多数青壮年男子都在外务工，老人、孩子和妇女留守在家，操持家务，把男人们寄来的钱，一点点存起来备用。看着家里的积蓄越来越多，他们既高兴，也纠结，“这些钱放哪儿啊？”存到银行去，老人们怕记不住密码，又嫌太麻烦；放在家里，万一被偷或被老鼠啃了，岂不

then,Rush season didn't arrive,Most of the young men in the village are working away,The old man/Children and women stay at home,housework,The men to send money,Save a backup.Look at home more and more savings,They were very pleased,Also ravel,"Where to put the money?"Deposit to the bank to,Old people afraid of remember password,And don't think too much trouble;At home,One thousand stolen or mouse chewed,not

　　

是多年辛苦化成一场空？ Is many years of hard into with a sieve?

　　眼下，家门口开了家“银行”，既灵活又方便，更重要的是实惠，大家都很心动。住在“银行”旁边的颜如云把心动化成了行动。

the,Door open house"The bank",Already agile and convenient,More important is benefits,Everyone was enchanted.Live in"The bank"Beside the clouds move into the intensive action.

　　颜如云，原本是邻镇的姑娘，后嫁到安宜镇。近几年，两口子经常为了些鸡毛蒜皮的事吵个不休，夫妻关系有些紧张。互助站成立前，她就担心家里的房子是公婆买的，积蓄多是丈夫打工攒下的，如果丈夫提出离婚，自己岂不是要被“净身出户”？以防万一，她在娘家私设了一个小金库，平时有些钱就交给父亲保管。

Like facial,Originally is adjacent town girl,To marry after -- town.In recent years,The couple often to some trifles noisy endlessly,Husband and wife relationship nervous.Before the establishment of mutual aid station,She is worried about home house is bought in,Savings are saved her husband work,If the husband put forward a divorce,Himself not to be"Clean body the house"?Just in case,In her maiden set up a private savings,Usually some money to keep his father.

　　听说镇上成立了互助站，颜如云便跟父亲商量，把私房钱全都存进去。父女俩一拍即合，当即去办了3年的存期。除了一个领导盖了大红戳子的凭证，颜父还收到一壶油和几百元“回扣”。

Heard that the town set up mutual aid station,Yan and like to discuss with my father,To save all private savings.Comparing two hit it off,Immediately to do 3 years of maturity.In addition to a leader cover the red stamp certificate,YanFu also received a pot of oil and a few hundred dollars"rebate".

　　存款不仅有利息，还能直接拿到现金回扣，居民们闻所未闻。见老颜捧着礼品，兴高采烈地回来，大伙儿也纷纷跑到互助站咨询。

Deposit not only have interest,Also can directly get cash rebate,The residents far afield.Intensive me holding gift,Happily back,We all have also run to mutual aid station consultation.

　　“把钱存到互助站，比放在银行还方便，生钱多不说，还有礼品和奖金。”这则消息像长了翅膀一样，没几天，街头巷尾人尽皆知。

"Deposit the money to mutual aid station,Than in the bank also convenient,Born money not,There are gifts and bonuses."The news like long wings,A few days,Everyone knows the streets and lanes.

　　不仅如此，互助站内部也有规定，员工介绍存款，也有提成。内外联合，互助站“火”了。

Not only that,Mutual aid station internal also has a regulation,Staff introduced deposit,Also have commission.The internal and external combined,Mutual station"fire"the.

　　每天，三三两两的人来到互助站咨询、办理存、取款业务。为了能领到奖金、奖品，大伙儿的存款少则1万元，多则几十万元。

Every day,The 3322 people to mutual aid station consultation/For save/Withdrawals business.In order to receive bonuses/prizes,We all deposit is less 10000 yuan,, hundreds of thousands of yuan.

　　

第三回 The third time

　　

巡逻民警疑窦生山寨银行露马脚 Patrol police born suspicion fortress bank show the cloven foot

　　天有不测风云。2012年春天，颜父去世，临终前，颜父把存单交给了颜如云。颜如云没想到的是，这张存单却成了一桩刑事案件的证据。

Fortune is fickle.In the spring of 2012,YanFu died,Before his death,YanFu the CD to the facial cloud.Yan that is like,This piece of CD was a crime evidence.

　　2012年4月下旬，颜如云处理完父亲的丧事后不久，突然接到了宝应警方的电话。

In late April 2012,Yan finish like father soon after the funeral,Suddenly received baoying police telephone.

　　“你是不是有一笔钱存在了互助站？”

"Do you have a sum of money in the mutual aid station?"

　　“是啊！”

"yes!"

　　“请带好证件和相关证明材料，尽快去互助站领取。”

"Please bring your certificates and relevant documents,To go as soon as possible mutual station to receive."

　　挂了电话，颜如云心里就有点犯怵，怀疑自己遭遇了电信诈骗。但如果过期拿不回存款，她更担心。于是，她跑到互助站，这时才发现，互助站还像以前一样，门庭若市，但这次全是来领取存款的村民。

Hung up the phone,My heart is a bit like the facial Chu made,Doubt yourself encountered telecommunications fraud.But if overdue take deposits,She is more worried about.so,She ran to the mutual aid station,noticed,Mutual stood still as before,Kind of,But this is all to the deposit of the villagers.

　　到底发生了什么事？颜如云一头雾水。走近一看，互助站门口，贴着一张告示，看罢不禁惊出一身冷汗这是一家非法金融机构，“行长”林建飞已被警方抓获。

What on earth happened?Yan cloud confused.Approached a look,Mutual stood at the door of the,Stick a notice,Look! Can't help surprised out in a cold sweat this is a illegal financial institutions,"President"LinJianFei has been the police captured.

　　原来，2012年4月12日，互助站门口推出了一项“重磅”优惠信息：“新到一批高档景德镇茶具，凡存款贰万元定期一年以上，即可赠送一套(茶具)。数量有限，送完为止。”

The original,On April 12, 2012,The mutual station launched a"blockbuster"Preferential information:"New to a number of high-grade jingdezhen tea set,All deposit two ten thousand yuan more than one year on a regular basis,Can give a(Tea set).Limited number,Send out so far."

　　一些新储户看罢，心动不已。但同时，这则信息也进入了警方的视线。

Some new depositors "look,Tor chocolate-making.But at the same time,This is the information into the line of sight of the police.

　　这天，民警巡逻，路过宝应新农村农民投资PP互助站，看到这则消息的时候，感觉有点不对劲儿。经过暗访，民警发现，互助站没有金融许可证、经营许可证等相关手续，是一家非法金融机构。

this,Police patrol,Pass by baoying new rural farmers investment pp mutual aid station,See this message when,Feel a little wrong.After investigations,Police found,Mutual stand no financial license/Business license and other related procedures,Is a illegal financial institutions.

　　随后，民警通过进一步调查得知，林建飞在沿河集镇开设门市，以投资酒店、支付高额利息为由，大肆吸收群众存款，数额达144.52万元。这些群众全部是安宜镇居民，其中大多数是老年人。

then,Police learned that further investigation,LinJianFei along the river in the town to open outlets,The investment hotel/Pay higher interest for,As the absorption of the deposit,The amount of 1.4452 million yuan.These people are all appropriate town residents,Most of them were old people.

　　案发后，林建飞主动到公安机关投案，如实供述了自己的犯罪事实，并退还69万余元。

After the,LinJianFei active to the public security organ surrendered,Truthfully confession his criminal facts,And return of more than 690000 yuan.

　　于是，公安机关这才通知存款人前来领钱。由于大部分存款已被林建飞用于个人生意，以及互助站的装修、购买设备等，一时间无法全部还清。而剩余30余万元，存款人念在与林建飞有亲友等关系，办理了延期手续，同意将这些钱借给林建飞用于生意经营。案件进入审判阶段后，这30万元也被林建飞全部归还给存款人。

so,The public security organ to inform the depositors to bring money.Because most of the deposit has been LinJianFei for personal business,And mutual aid station to decorate/Purchase equipment,Time can't all paid off.And the residual more than 30 ten thousand yuan,Read and LinJianFei depositors in the relationship between relatives,Deal with the formalities for extension,Agreed to lend the money LinJianFei used in business management.In case the trial stage,The 300000 yuan was also LinJianFei all returned to the depositor.

　　

第四回 The fourth back

　　

不当白领办银行 Improper white-collar do bank

　　

半年行长三年刑 Half a year President three years punishment

　　林建飞，今年34岁，宝应县安宜镇人，现居南京。他曾就读于

LinJianFei,34,Baoying -- town people,Now in nanjing.He has studied at

　　江苏某财经大学，毕业后，在南京一家私企上班，过了7年的白领生活，攒下了一笔积蓄。于是，他开始盘算着自己当老板，闯荡一番事业。

Jiangsu a university of finance and economics,After graduation,A private companies to work in nanjing,After seven years of white-collar life,Saved a sum of savings.so,He began to wonder to be your own boss,Make a career.

　　他所学专业是金融。当时，他在电视上看到了一个报道，是关于农民资金互助合作社的。就这样，他冒出了一个念头：照葫芦画瓢，办个互助站。

His major is finance.At that time,He saw on TV a report,Is about farmers money mutual cooperative.so,He emitted a thought:copy,Do a mutual aid station.

　　林建飞随即动身，到周边地区实地调研，结果发现，各地的农民资金互助站业绩都不错，这更坚定了他的信心。于是，林建飞回到宝应老家，开下了农民投资PP互助站。

LinJianFei leave immediately,To the surrounding areas of investigation,The results showed that,Farmers all over capital mutual station performance are good,This strengthened his confidence.so,LinJianFei back to hometown baoying,Open the farmers investment pp mutual aid station.

　　所谓的“PP”，就是个人与个人之间的业务接触，具体到互助站的业务，就是个人与个人之间的资金业务接触。

The so-called"pp",Is personal and individual business between contact,Specific to mutual aid station business,Is personal and individual of funds between business contact.

　　林建飞不仅打出“亲情牌”，还给家乡父老提供了更优惠政策互助站的存款利率比银行高0.5%，如果居民愿意，就将钱存在互助站；如果居民想借钱，也可以向互帮站借，利率在国家法定利率4倍以下。

LinJianFei not only hit"Family brand",Back to hometown elder provides more preferential policies mutual station deposit rate is 0.5% higher than the bank,If people are willing to,Will money in the mutual aid station;If people want to borrow some money,Can also help to stand by,Interest rates in the national legal interest 4 times the.

　　随着宣传的扩大，前来办理存款的居民多了起来。与日俱增的存款放在哪儿呢？思来想去，林建飞想到了当地的邮政储蓄银行。互助站成立后，他跑到邮政储蓄银行网点，以个人名义，单独办了一张银行卡。每天互助站打烊后，会计便将互助站当天的存款再存入这张银行卡。

With the enlargement of publicity,To deal with the inhabitants of deposit more up.Growing deposit in where?reasoning,LinJianFei thought of local postal savings bank.After the establishment of mutual aid station,He ran to the postal savings bank outlets,With individual name,Alone to do a bank card.Every day the mutual station,Accounting will mutual stood the deposit again in this piece of bank CARDS.

　　林建飞计划着，一旦吸收的存款达到800万元，就可以顺利实现站内资金流动；如果超过800万元，可以开展小额贷款业务，或者用于其他经营。但他做梦也没想到的是，后面的业务还没有拓展开来，自己就被抓了。

LinJianFei planning to,Once the absorption savings of 8 million yuan,Can smooth realization in station cash flow;If more than 8 million yuan,Can carry on the small loan business,Or used for other business.But he never dreamed that is,The back of the business is not the development,His was caught.

　　林建飞吸收的公众存款中，有30多万元用于互助站的装修、购买办公设备、门市租金、员工工资、奖品购买等方面，其他部分用于短期投资，而大部分还存在银行卡中。

LinJianFei absorption public account,There are more than 30 ten thousand yuan for mutual station to decorate/Buying office equipment/Outlets rent/Employee wages/Prizes purchase, etc,Other parts used for short-term investments,And most still exist in the bank.

　　经法院审理查明，从2011年12月设立互助站，到2012年4月19日案发，林建飞共吸收80多人100多笔存款，共计144万余元，其中41万元在案发前已被部分存款人取回。到案发时，存款余额还有103万余元。

The court found,From December 2011 set up mutual aid station,To on April 19, 2012 the,A total of more than 80 people LinJianFei absorb more than 100 deposits,A total of more than 1.44 million yuan,Of which 410000 yuan before the attack has been part of the depositor to retrieve.To the time of the crime,Account balance and more than 1.03 million yuan.

　　法院认为，林建飞非法吸收公众存款，扰乱金融秩序，数额巨大，其行为已构成非法吸收公众存款罪。但鉴于林建飞犯罪后自首，并积极退出全部非法吸收的公众存款，未造成存款人的实际损失，法院判处其有期徒刑3年，缓刑4年，并处罚金5万元。

The court said that,LinJianFei illegal absorbing public deposits,Disturb the financial order,Huge sums,Their behavior has unlawful absorbing public deposits sin.But in view of LinJianFei surrendered after the crime,And actively exit all illegal absorbing public savings,Not result in the actual loss of the depositor,The court sentenced to imprisonment for 3 years,Probation 4 years,Shall also be fined 50000 yuan.

　　

【读案警示】 [Read the warning]

　　

斩断伸向农村的金融黑手 To lift the rural financial attacks

　　和以往我们报道的非法吸收公众存款案不同的是，本案并不是由存款人报案而案发，而是民警在日常生活中发现的，才使全部存款人的存款被及时追回，否则，后果不堪设想。

And before we report illegal absorbing public deposits case is different,This case and not by depositors and report the crime,But the police found in everyday life,To ensure that all depositors deposit be timely recover,otherwise,Consequence is unimaginable.

　　如今，通过外出打工、个体经营等，勤劳节俭的农民们腰包鼓起来了，手头有了一些积蓄。但是，与此同时，随着农村大量富余劳动力前往东南沿海或大中城市务工，留在农村地区的，多是老人、妇女、孩子，到现代化的银行去办存取款业务，对他们来说还不够“家常”。因为不常用、不熟悉，所以，很多农村居民对银行还有疑虑甚至不信任。

now,Through working out/Individual management,Industrious thrifty farmers pockets bulging,Have some savings.but,meanwhile,Along with the rural surplus labor to southeast coastal cities or large and medium-sized cities,In the rural areas,Is the old man/women/children,To the modern bank to do different business,For them is not enough"family".Because not commonly used/Not familiar with,so,Many rural residents to bank and doubts even distrust.

　　把钱放到哪儿保管、如何“钱生钱”？面对这些问题，农村居民更相信看得见摸得着的利益、更愿意相信知根知底的熟人。于是，一些投机分子看中此间机会，把犯罪的黑手越伸越长，以高利息、高回报为诱饵，把对金融业务风险不甚了解的农村居民当成一块“唐僧肉”，变相吸储，非法集资，从中获利。

Keep the money in where/How to"QianSheng money"?In the face of these problems,Rural residents believe more tangible benefits/More willing to believe that know the background of acquaintances.so,Some speculators to chance here,The crime of the longer the black out,With high interest/High returns as bait,In the financial business risk does not understand very rural residents as a block"Tang's monk meat",Disguised XiChu,Illegal financing,Benefit from.

　　据了解，近六七年来，整个江苏，以“农民资金互助合作社”一类名义存在的组织多达400多家，很多该类组织已远远超出了农村基层合作组织“熟人”的范围，被正规金融机构称作“山寨银行”。这些没有金融许可证、经营许可证的“山寨”银行，在实际运作、监管中存在诸多空白，抗风险能力有限，一旦资金链断裂，储户很可能血本无归。

It is understood,Nearly 67 years,The jiangsu,to"Mutual fund farmers cooperatives"The name of the existing organization up to more than 400 home,A lot of this organization has far beyond the rural grassroots cooperation organization"acquaintances"range,Be formal financial institutions called"Hold bank".These no financial license/license"strongholds"The bank,In the actual operation/There are many blank in supervision,Anti-risk ability is limited,Once the capital chain rupture,Customer is likely to lose everything.

　　因此，一方面，相关职能部门要加大宣传，让农村居民了解更多的金融知识，提高防骗能力；另一方面，农村居民自身也要提高防范意识，在高出常理的利益面前，保持冷静，想想其中是否会暗藏隐患；第三，基层银行应致力于提供更多便捷、人性化的服务，让基层居民愿去银行、爱去银行。

so,On the one hand,Related functional departments should increase the propaganda,Let the rural residents know more financial knowledge,Improve FangPian ability;On the other hand,Rural residents to improve their awareness of prevention,In the interests of the common sense more than before,Keep calm,Think about which will hide hidden trouble;The third,Grassroots bank should strive to provide more convenient/Humanized service,Let the grassroots people may go to the bank/Love to go to the bank.