程晓律是土生土长的永康人，专业生产运动水壶已经多年，一直以来做外贸生意。后来他到武义办了一个武义新阳光工贸有限公司，最近遇到了烦心事：一笔本应在7月份就汇过来的货款，迟迟没有到账。提单却早早给了客户，在港口的货物早被提空，接近4万美元的货款不见踪影。

ChengXiaoLv is a native of yongkang people,Specializing in the production of sports bottle has for many years,Has been to do foreign trade business.Later he to wuyi do a WuYiXin sunshine industry &trade co., LTD,Recently met troubles:A should be in July for exchange over payment for goods,Hesitated to account.Bill of lading is early to the customers,The goods in the port early rapture empty,Close to $40000 payment for goods out of sight.

　　这笔钱，其实客户早已汇出，但汇的不是武义新阳光工贸公司的帐户，而是一个英国的帐户。这样的事例，在永康不是第一例，照目前的情况也不是最后一例。记者在调查时发现，这样被莫名其妙卷走货款的企业永康每年都有，涉及金额巨大，难以估计。永康有出口权的企业接近1500家，这种事例一再发生，提醒着永康外贸企业的贸易安全，同时也拷问着永康外贸企业的管理漏洞。

The money,In fact already export customers,But the remittance is not WuYiXin sunshine industry and trade company's account,But a UK account.Such examples,In yongkang is not the first case,According to the present situation is not the case.Reporter in the survey found,This is puzzling whirling payment enterprise yongkang every year,Involves large amount,Difficult to estimate.Yongkang have export enterprise is close to 1500,This case happen again and again,Remind yongkang foreign trade enterprise trade safety,At the same time also torture the yongkang foreign trade enterprise management loophole.

　　迟迟不见的货款

No delays the payment for goods

　　Casa Ideas，是北美的一家公司，隶属于一个大集团，业务范围广，与武义新阳光工贸有限公司合作5年以来，一直有着良好的信誉。王向宇是武义新阳光工贸有限公司的业务员，负责与这个客户联系，在长达5年的合作里，在王向宇的印象里，这是一个不可多得的优质客户：“打款及时，对价格也不斤斤计较。”

Casa Ideas,Is a company in North America,Belonging to a large group,Business scope,And WuYiXin sunshine industry &trade co., LTD., cooperation since 5 years,Has a good reputation.WangXiangYu is WuYiXin sunshine industry &trade co., LTD. Salesman,Responsible for and the customer contact,For five years in the cooperation,In WangXiangYu impression,This is an exceptional quality customer:"Play money timely,The price is not haggle over every ounce."

　　与往年一样，今年4月份，王向宇接到了来自Casa Ideas的订单，7月12日，这批货从宁波港口上船前往北美，25天后，这批货到达北美港口，很快对方负责人就把这批货提走了。

And usual,In April this year,WangXiangYu received from Casa Ideas order,On July 12,The goods from ningbo port into the boat to the north American,25 days,The goods arrived in North America port,Soon the other party chief took the goods carry away.

　　“按照以前的情况，Casa Ideas在得知我们发货后，会很快把货款打给我们。”像往常一样，在7月13日货物出港后，王向宇隔几天就发邮件催款，但是一直得不到对方的回复，中间足足两个月失去了联系。因为一直来信任这个客户，王向宇放松了警惕，虽然没有像往常一样收到货款，但她没有及时与对方沟通确认，邮件一直得不到回复，也没有寻求别的交流渠道。

"According to the previous situation,Casa Ideas in that after we deliver goods,Will soon put the money to call us."As usual,On July 13, the goods after departure,WangXiangYu every few days can send E-mail reminders,But has been can not get each other's back,Intermediate for two months lost touch.Because of always have come to trust this client,WangXiangYu off guard,Though not as usual payment is received,But she did not timely communication with the other confirmation,E-mail has been can not get reply,Also did not seek other communication channels.

　　重新联系之后，王向宇发现对方直接发送到公司邮箱的邮件，还是不能接收。“我想可能是邮件系统有时候不兼容，并没有想到会被拦截。”

Contact again after,WangXiangYu found each other directly sent to the company mailbox mail,Still can't receive."I think may be mail system sometimes don't compatible,And did not expect will be blocked."

　　王向宇继续发的催款邮件一封封石沉大海。程晓律坐不住了，这笔货款，足足有4万美元，在今年的经济形势下，利润微薄生存艰难，这笔钱如果迟迟不回笼，对企业的影响颇大。11月初，程晓律让王向宇给北美的客户发了一封较为严肃的邮件，邮件中称：“如果再不给我们打货款，我们将向中国海关报备，将你们列入黑名单。”庆幸的是，对方终于回信了，邮件中告知：货款已经在7月20日汇给武义新阳光工贸有限公司，发到了公司更改后的账号上。

WangXiangYu continue to send email reminder letters disappear forever.ChengXiaoLv to sit still,The payment,For $40000,In this year's economic situation,Profit low survival difficult,If the money was not pull,The effect of which on enterprises is quite big.Early November,ChengXiaoLv let WangXiangYu to north American customers sent a more serious mail,Mail said:"If don't call us payment for goods,We will submit to the Chinese customs,Will you blacklist."The good news is,Each other finally letter,Email told:Payment for goods on July 20, has been remitted to the WuYiXin sunshine industry &trade co., LTD,Send to the company after the change of the account.

　　“可我们根本没有收到钱，也没有更改账号。这时候我才真正意识到事情的严重性。”

"But we did not receive money,No change account.At that time I really aware of the seriousness of this thing."

　　货款被半路劫走

Payment for goods is half highway robbery go

　　其实，中间彼此联系不到的两个多月，双方的邮件被第三方拦截。第三方掌握着两者之间邮件的所有对话与信息，屏蔽着双方的联系，在其中做手脚。

In fact,Intermediate contact each other less than two months,Both sides of the mail by third party interception.The third party holds both between mail all dialogue and information,Shielding the both sides of the contact,In which play a trick.

　　由于时差的关系，与这个北美客户的交流，基本上全部依靠邮件。这家北美的客户高度依赖邮箱系统，所有的承诺规则全部在邮件里面完成。大多数的时候，你给他们发邮件，基本上不回，除非是两者之间下的订单，将问题以及需求写在订单的下方，他们才可能在较短的时间内给你回应。如果是其他问题，与你下订单的业务员，并不会在第一时间给你解答，而且很可能永远都不会，他们分工明确，并且高度依赖现代通信。

Due to the time relationship,And the north American customer communication,Basically all depend on mail.The north American customers is highly dependent on the mail system,All commitments rules all E-mail in finish.Most of the time,You give them email,Basically don't back,Unless it is between both of the order,The problem and needs in order to write below,They can only in a relatively short time give you response.If it is other problems,And you order salesman,In the first time will not give you answer,And probably will never,A clear division of labor in their,And highly dependent on modern communication.

　　7月13日，是这批货出港的日子，就在这一天，Casa Ideas收到来自王向宇发送的一份邮件，邮件中有一份银行信息更改的证明，证明中有武义新阳光工贸公司的抬头，证明的右下角盖着武义新阳光工贸有限公司的印章：“就是现在看来，跟我们自己出的证明简直是一模一样。”更改证明上的印章也是企业真正的印章。

July 13,,Is this shipment the day of departure,On this day,Casa Ideas received from WangXiangYu send a mail,Email is a bank information change proof,The proof that the have WuYiXin sunshine industry and trade company looked up,Proof of the lower right corner cover WuYiXin sunshine industry &trade co., LTD., seal:"Is now,With our own out proof it is exactly the same."Change the proof of the seal is also enterprise real seal.

　　要给个人账户或者企业帐户汇款，账号的名称必须跟账户的名称保持一致，不然汇款不会成功。在那张仿造的银行信息更改证明单上，账户的名称变成了“浙江武义新阳光工贸有限公司”，在原有的“武义新阳光工贸有限公司”前面增添了“浙江”两字，这是一个全新注册的账号。

To give individual account or enterprise account transfer,The name of the account with the name of the account must be consistent,Otherwise the remittance will succeed.In that piece of counterfeit bank information change on the certificate,Account name became"Zhejiang WuYiXin sunshine industry &trade co., LTD",In the original"WuYiXin sunshine industry &trade co., LTD"Added to the front"zhejiang"Two words,This is a brand new registered account.

　　这种“鱼目混珠”没有引起Casa Ideas的怀疑，很快他们就把钱汇到这个更改后的账号上，根据他们事后提供的水单，7月20日，这笔钱被打到了一个英国的账户上。

this"Pass away the sham as the genuine"No cause Casa Ideas doubt,Soon they took money to this change after the account,They later according to provide water single,On July 20,,The money was hit a British account.

　　企业邮箱比你想象的更不安全

Enterprise email than you thought less safe

　　“每年总会有企业货款被卷走，有时一笔就是几十万美元。”永康市公安局网络大队大队长朱永中对这样的事件并不陌生，每年的广交会等各类展会结束后一段时间，是这类犯罪的高发期。别有用心的第三方人员从广交会等各类展会会场上获取各个企业的详细信息，包括企业邮箱、企业网站、企业地址等等全部资料：“其实这时候，企业就像一张白纸一样透明。”

"There will always be a year for enterprise coiled walk,Sometimes a pen is hundreds of thousands of dollars."Yongkang public security bureau network brigade ZhuYongZhong baoguo to such event is not new,The Canton fair and other kinds of exhibition every year after the end of a period of time,Is this kind of crime period.An axe to grind third party personnel from the China export commodities fair and other kinds of exhibition hall of each enterprise get the detailed information,Including enterprise email/Enterprise web site/Enterprise address and so on all material:"In fact this time,Enterprise is like a piece of blank paper as transparent."

　　记者在调查时发现，永康很多外贸企业使用的都是万网企业邮箱，武义新阳光工贸有限公司也使用万网的邮箱系统。

Reporter in the survey found,Yongkang many foreign trade enterprise use is nets enterprise mailbox,WuYiXin sunshine industry &trade co., LTD. Also use nets mailbox system.

　　“无论你的邮箱安全级别多高，他们总能把你破解。”根据朱永中多年的经验，他估计这起事件幕后“主脑”极有可能在南非，这是一个科技水平非常高的犯罪集团，在邮箱破解的技术上可以称得上世界的顶尖水平。“甚至可以这么说，没有什么是他们攻破不了的。”这个位于南非的“第三方”，几乎在世界上所有的国家和地区都拥有账户，其背后的“高科技力量”可以匹敌“西方的大片”，能侵入你认为安全的邮箱系统。网络时代，并没有秘密可言。

"Whatever your mailbox safety level high,They always can make you crack."ZhuYongZhong according to many years of experience,He estimates that the incident behind the scenes"The brain"Most likely in South Africa,This is a science and technology level is very high crime group,In the mailbox cracking technology can be called the world's top level."Even so to say,Nothing is they can't break."This is located in South Africa's"The third party",In almost all of the world countries and regions have account,What's behind the"High-tech power"Can equal"The western big",Do you think that can penetrate into the safety of mail system.Network times,And no secrets.

　　“在我们看来，最有效的办法还是进行双重的认证。”这其实是最“老土”的办法，但在这个时候显得特别有用，在确认货物发出要求对方汇款前，与对方进行再次确定，对账户名称以及账号，进行电话或者其他方式的沟通联系，将被拦截的可能性降到最低。同时，平时应该经常更改密码，注意邮箱是否发生了变化，一旦发现就要引起足够的重视，尽可能提高邮箱的安全性。

"In our view,The most effective solution is to double the authentication."It is the most"cliche"way,But at this time is very useful,In confirmation of the dispatch of the other requirements of the remittance prior,And the other party to determine again,The account name and account number,Telephone or other means of communication,Will be blocked to minimize the possibility of.At the same time,At ordinary times should often change your password,Pay attention to whether the mailbox has changed,Once found that will cause enough attention,As far as possible improves the security of the mailbox.

　　被拦截的货款能追回吗？

A blocked payment can recover?

　　“我们没有管辖权，所以不能立案。”朱永中告诉记者，在这样的案件中，法律层面上直接的被骗方是海外客户，直接发生损失地也在海外，并不是永康的外贸企业，所以虽然损失最大的是出口企业本身，却很难被立案。但是，对海外的客户来说，这笔钱追回来的可能性并不高，即使成功追回，这中间消耗的时间和精力有时超过货款本身的价值。更多的情况是，海外客户已经拿到自己需要的货物，货款也已经付清：“至于付给谁，我想他们并不在意。”

"We have no jurisdiction,So can't put on record."ZhuYongZhong told reporters,In such a case,The law level direct swindled party is overseas customers,Direct land loss in overseas,And not yongkang foreign trade enterprise,So although the loss the largest is the export enterprise itself,It is difficult to be put on record.but,To overseas customers speaking,The money is to recover the possibility is not high,Even if successful recover,This intermediate consumption of time and energy sometimes more than the value of itself of payment.More is,Overseas customers have to their need of the goods,Payment for goods has paid off:"As for who pay,I think they do not care about."

　　“客户已经拿到货了，所以并不在意钱打错了，对他们来说并没有真正损失。”不愿透露姓名的章先生今年上半年被“骗走”了35万美元的货款，这笔钱到现在也没有着落：“应该是打水漂了。”这35万美元，对于章先生来说意味着全部的流动资金，这笔钱被抽光，企业的正常运转面临着前所未有的压力：“一口气差点喘不过来。”

"Customers have take the arrival,So don't care about money called the wrong number,For them, there is no real loss."Do not wish to be named, Mr Zhang was in the first half of this year"cheated"A $350000 loan,The money to now there is no landing:"Should be the poured down the drain."This $350000,For Mr. Chapter means all the liquidity,The money is being pumped light,The normal operation of enterprises facing unprecedented pressure:"Almost out of breath can't come."

　　永康某生产保温杯的企业也被同样的方式卷走货款接近10万美元。“当时还有一张提单在自己手上。”由于客户急需那批货物，所以企业负责人张某当时从客户手里拿回了5万美元。“现在想想，幸好那批货没发出去，不然一分钱也拿不回来。”

Yongkang a production vacuum cup enterprise was also the same way whirling payment of nearly $100000."There was even a bill of lading in our own hands."Due to the clients are in urgent need of the goods,So the responsible person of the enterprise from the customer zhang was in his hand back to $50000."Now think of,Fortunately, the goods not sent,Not a penny also had not come back."

　　“没有办法，现在只能盯紧客户。”现在，王向宇每天到公司的第一件事情，就是给对方发送邮件，每天发很多封，同时用别的方式不停地联系对方：“就是告诉他们，钱我们没有收到。”

"There is no way,Now can only keep an eye on customers."now,WangXiangYu every day to the company's first thing,To send mail,Every hair many seal,At the same time in other ways kept contact with each other:"Is to tell them,We have not received the money."

　　外贸企业管理漏洞凸显

Foreign trade enterprise management loophole highlights

　　“打货款前我们从来都不确认，只是发送邮件告知应该打款。”记者在采访永康外贸业务员的时候发现，无论是刚参加外贸工作的业务员，还是有着10年以上外贸工作经验的业务员，在与客户的沟通过程中，从最初的接单到合同的签订，再到与对方协商付款，90%以上仅仅依靠邮件，没有任何双重确认。

"Play until payment we never confirmed,Just send mail inform should play money."Reporter in the interview yongkang foreign trade salesman was found,Whether you are just to participate in foreign trade work salesman,Is 10 years' foreign trade experience salesman,In the process of the communication with customers,From the initial joint single to the signing of the contract,To negotiated with the other party payment,More than 90% only by mail,No double confirm.

　　调查时发现，外贸企业的运作流程比想象中简单容易得多。当然，这意味着更多的漏洞。与客户签订单后，客户需要预付10%~30%的定金，收到定金之后外贸企业开始生产，生产完成后，预定船只进行海运，这时候企业能开出提单，客户看到提单之后付完余款，企业再把这张海运提单寄送给客户。同时，也有一些国际的大企业使用FCR（Forwarders Certificate of Receipt货运代理人收讫货物证明），参与其中的一些信用度较高的企业与国际一流的货运公司签合同，不用出货方的提单就能从港口提走货物。Casa Ideas也是其中之一，这其实增加了出货方的风险，对方不付钱也能从港口提走货物。

Survey found that,Foreign trade enterprise operation process than imagination simple much easier.Of course,This means that more holes.And after a single customer,Customers need to advance 10% ~ 30% deposit,After receiving the deposit foreign trade enterprises began to production,Production after completion of,Reserve ships sea,This time enterprise can open the bill of lading,Customers pay the balance after finish see bill of lading,Enterprise again this ZhangHaiYun bill of lading mail to customer.At the same time,There are also some international large enterprise use FCR(Forwarders certificate of Receipt cargo agent received goods proof),Participate in some of these credit line higher enterprise and the international first-class freight company to sign the contract,Don't shipment party bill of lading can carry away from port cargo.Casa Ideas is one of them,It increases the risk of shipment party,The other party not to pay also can carry away from port cargo.

　　所有发货汇款的整个流程，仅仅依靠业务员的邮件实行。这意味着，贸易安全并不能得到严格的保障。因为控制了企业的邮件就能截获两个公司的所有资料，再加上没有双重确认机制，第三方就能从企业卷走大额的货款。

All shipping the whole process of remittance,Only by the salesman's mail practice.This means that,Trade safety and can't get the strict security.Because the control enterprise's mail can intercept the two all material,Plus no double confirm mechanism,The third party can from the enterprise whirling large payment for goods.

　　“早在上半年，就有客户发邮件来询问，公司是否更改了账号。”程晓律告诉记者，其实邮箱被拦截这件事情有先兆，但是并没有引起足够的警惕，只是写邮件告知对方并没有更改账号，按照原来的账户付款。

"Early in the first half of,Have client email to ask,Does the company changed account."ChengXiaoLv told reporters,In fact mailbox blocked it with aura,But did not cause enough vigilance,Just write E-mail to notify the other party and no change account,According to the original account payment.

　　“这就要靠自己判断了。”应建宁是浙江飞茂有限公司的负责人，一直做外贸生意。在他20多年的职业生涯里，跟不跟这个客户做生意，他依据自己的判断，没有严格的审查系统，也没有其它任何鉴定方式，依靠的是个人对企业的判断。其实，这不仅仅是应建宁的方式、程晓律的方式，也是多数外贸企业主的思维方式。

"This is about to rely on their own judgment."YingJianNing is zhejiang flying alum co., LTD., the person in charge,Has been to do foreign trade business.In more than 20 years of his career,And not with this customer business,According to his own judgment,No strict examination system,Also does not have any other way of identification,Rely on a person to enterprise's judgment.In fact,It is not only YingJianNing way/ChengXiaoLv way,Also most of the foreign trade business owners way of thinking.

　　程晓律开始对企业的运行模式进行反思。按照现有的运作方式，业务员与客户的沟通，仅仅依靠邮件，跟进也不及时，出现长时间收不到邮件的情况，也不在第一时间联系对方，而是听之任之。“我现在觉得公司漏洞实在太多，一定要抓紧整改。”

ChengXiaoLv began to rethink the enterprise operation mode.According to the existing operation mode,The salesman the communication with customers,Only by mail,Follow up is not timely,Appeared long time not receive the mail,Is not in the first time contact each other,But leave it as it is."Now I think the company holes is really too much,Must take the corrective."