"The first underground bank was a criminal gang led by Shen Haiyan, a suspect from Dongguang, and bank statements and transfer records were the most important evidence of their suspected money laundering. According to the confessions www.biquge.info of the gang members, since 1998, they have opened accounts in more than a dozen banks in Dongguang under different names. When a customer asks them to exchange foreign currency, they only need to remit RMB to their designated domestic account as agreed, and then they will notify their accomplice in Hong Kong to remit the foreign currency to the customer's bank account in Hong Kong. ”

"If a customer wants to exchange foreign currency for RMB, they need to remit the foreign currency to their designated offshore account, and then they will remit the RMB to the customer's bank account in China. How much money the gang has laundered is now being verified, but according to the statistics of our police handling the case, in just over two years, Shen Haiyan and his accomplices have illegally bought and sold foreign exchange amounting to nearly 2.8 billion yuan!"

"How much fee do they charge?" Deputy Director Zhang only knew that the amount involved was huge, and he didn't know that there would be so much, and when he heard the figure of 2.8 billion, he was secretly frightened.

"They charge a fee of 5 to 1 thousandth of 10,000, and the amount of illegal gains is still being counted. ”

Director Chen knew better than anyone how serious the problem of money laundering was, and he was not surprised by the figure of 2.8 billion, so he took a note and motioned for Han Bo to continue.

"In order to cover up the source of funds, they use multiple ID cards to open accounts, sometimes even hundreds, and have long been engaged in the 'knock-on' business of 'parallel delivery of domestic RMB and overseas foreign currency'. On the surface, the domestic renminbi remains in the country, and the foreign currency outside the country does not enter the country, but the actual transaction has been completed.

In this kind of 'knock-on' underground bank, the funds are circulated in one direction at home and abroad, without physical flow, and the 'balance between the two places' is achieved in the form of reconciliation. According to the confessions of the arrested suspects, they also helped the so-called customers in this way to transfer illegal gains in China, such as smuggling and embezzlement, to overseas through their underground banks, and to evade foreign exchange in cross-border trade. ”

Looking back at the cases outside the province, Deputy Director Zhang was most concerned about the cases in the province at the moment, and looked up and asked: "In the Pingsheng Group's criminal case, how did they help Hao Yingliang launder money?"

"After receiving Hao Yingliang's business, the suspect Shen Haiyan used his own and his relatives' ID cards to open more than 60 accounts in the Bank of China, the Agricultural Bank of China, the Industrial and Commercial Bank of China, etc., and successively split 320 million yuan into amounts ranging from 200,000 yuan to 700,000 yuan, and remitted them to the bank accounts opened in Hong Kong by his Hong Kong accomplices using other people's ID cards through the method of 'knocking', and without attracting the attention of the Joint Financial Intelligence Unit as much as possible, a series of fake transactions were finally remitted to Gu Sicheng's company account registered in Hong Kong. ”

"Hundreds of millions of dollars were transferred out at once, where did their foreign exchange come from?"

"According to the confessions of the arrested suspects, their foreign currency came from three aspects: first, they mobilized their relatives and friends to even pull relatives and friends into shares, and used their personal annual foreign exchange purchase quota of 20,000 US dollars, which accumulated into a large amount, and exchanged it reasonably and legally from mainland banks such as the Bank of China; second, taking advantage of the geographical advantage of Shenzhen's close proximity to Hong Kong, and taking advantage of the fact that the renminbi is stronger than the Hong Kong dollar, they adopted the method of 'ant moving' to carry the renminbi back and forth between the two places frequently and exchanged it for it at a financial company or exchange bank in Hong Kong. ”

Han Bo looked at Deputy Director Liu and added: "Then I got in touch with several members of the Hong Kong gang 'He Shenghe' through relatives, and under the continuous crackdown of the Hong Kong police, the situation of Hong Kong gangs is becoming more and more difficult, including 'He Shenghe' and other gangs are trying to find ways to launder money, and the two gangs hit it off and formed a cross-border money laundering gang." ”

The reason why it is difficult to achieve results in money laundering cases is to a large extent related to the difficulty in grasping evidence.

The fact that the deputy director of the bureau at the level of director at the current level was able to destroy three underground banks in one fell swoop is inseparable from the assistance of the Hong Kong side, and there are really not many people in Hong Kong who can "find people, speak well, and get things done."

Director Ding subconsciously looked at Deputy Director Liu, and directly thought that Han Bo was able to crack the crack with the strong support of the Ministry of Public Security, and he couldn't imagine that the reason why the Hong Kong side assisted was because Gu Sicheng was suspected of defrauding the Immigration Department, and second, the members of the money laundering gang were triad members who were very valued by the Hong Kong police.

In order to crack down on triads, a special "O-ji" has been set up, and it can be said that the Hong Kong police have always been ruthless and ruthless in cracking down on gangsters.

In addition to that, there are connections!

The "brother-in-law" is a senior director of the Joint Financial Intelligence Unit (JFIU), which specializes in money laundering, so how can the "eldest brother" not take it to heart.

Many things can only be understood but cannot be spoken, especially in this case of "selective law enforcement", Han Bo sorted out his thoughts and continued to report: "The second underground bank that Hao Yingliang found is a money laundering criminal gang that uses the family as a unit to 'cooperate with the outside world', they open hundreds of accounts in domestic banks, and then withdraw foreign exchange through overseas ATMs. It's also about exchange quotas, so they lure their friends and family to do it with a high rate of return. ”

Deputy Director Zhang really didn't understand this, so he asked curiously: "Comrade Han Bo, what is the difference between this and the first method?"

"The difference is huge. ”

Han Bo smiled and patiently explained: "This method takes advantage of the exchange rate difference between offshore and onshore RMB, as well as the service of free handling fees for overseas cash withdrawals provided by many banks in China. For example, 1 offshore RMB can be exchanged for 1.1297 Hong Kong dollars, while 1 onshore RMB can only be exchanged for 1.1288 Hong Kong dollars, and the difference between the two is 8 points;

At the same time, at present, there are more than a dozen banks in the country to provide overseas cash withdrawal free handling fee service, as long as the overseas ATM with the UnionPay logo can be withdrawn, but different banks will stipulate that the first transaction of the day or the first three transactions of the month are free of handling fees, and the exchange rate of overseas withdrawals is calculated according to the exchange rate provided by the bank. ”

"They help people launder money, and they can make money even if they don't charge fees?"

"Yes, the Li Zaiang couple we arrested used in their own names and others to handle more than 800 bank accounts in rural credit cooperatives, agricultural banks and other banks in Dongguang and other places for buying and selling foreign exchange, of which 502 accounts were used as cash card accounts to withdraw Hong Kong dollars from ATMs in Hong Kong and Macao.

Li Zaiang's wife was responsible for remitting funds to these 502 accounts through online banking in China, and Li Zaiang withdrew Hong Kong dollars from ATMs in Hong Kong and Macau, and sold the Hong Kong dollars to finance companies or exchange houses engaged in foreign exchange trading while engaging in money laundering activities. Those finance companies and exchange banks then remit the corresponding renminbi to their designated accounts through domestic bank accounts, and thus withdraw cash in a circular manner, while helping people launder money and charging handling fees, making interest margins from it. ”

"It's too easy to make money!"

"It's easy, but it requires a certain amount of capital and a certain amount of credibility in the 'industry'. ”

Doesn't banks just rely on credibility, underground banks are actually similar to banks, but they are not legal.

Deputy Director Zhang nodded slightly, leaned back in the chair with his arms folded, and listened attentively.

"The third underground bank that Hao Yingliang found is mainly engaged in the 'public-to-private' business, which belongs to the 'payment and settlement type', and they set up shell companies, fake business transactions, and then through the 'public-to-private' business, they use online banking transfers and other methods to assist others in illegally transferring public accounts to private accounts, arbitraging cash, etc. for illegal payment and settlement. This type of criminal modus operandi is relatively hidden, fast, and has a large transaction volume, catering to the needs of some people who illegally transfer funds and illegally cash out. ”

"How does it work?" asked Director Chen solemnly.

"They first set up a 'group of individual accounts' by collectively opening many accounts in different banks, and then registered a number of trading 'shell companies' and thus mastered a number of 'corporate account groups', through which they pooled the renminbi remitted by customers who needed US dollars. As if that weren't enough, they would set up a number of other trading 'shell companies' and use the accounts of these companies to buy dollars from banks, and then resell the dollars they bought to customers. ”

Han Bo took a deep breath and added: "What's even more amazing is that the gang only had four members at first, but with the increase in trading volume, they continued to develop their friends to join them, and at the same time, in the case of too frequent transactions in the account of 'shell company', the development of new trading companies to join in, the snowball is getting bigger and bigger, and the cumulative illegal trading of foreign exchange in our hands alone has reached 912 million US dollars!"

The investigation of the Pingsheng Group's criminal case led to a corruption case and a money laundering case involving an astonishing amount of money, and with the in-depth investigation of these three newly destroyed underground banks, how many cases will be involved?

Whoever would transfer funds and exchange domestic and foreign currencies through the bank can imagine that there are absolutely illegal crimes such as drugs, terrorism, gambling, smuggling, and corruption behind those funds, or there are illegal speculative arbitrages such as tax evasion, tax fraud, government incentives, and evasion of foreign exchange management.

The leaders of the ministry instructed that it was necessary to dig deep and investigate, and Deputy Director Liu came for this.

He glanced at Deputy Director Zhang, and asked quietly: "Comrade Han Bo, you are most familiar with the case, and you have participated in the investigation and even organized the investigation of major and important cases more than once, please give me a solid record, how long will it take to dig deep and investigate these three gangs suspected of money laundering, and can you gnaw this hard bone with your existing strength?"

The money laundering case is not another case, the work is amazing, Li Shuo reported on the phone that the investigation work has just begun, and all kinds of evidence materials can be loaded with several trucks, and the economic investigation policemen who investigated and handled a particularly serious fraud case in Fengyi County last year were very busy, and it is estimated that this series of cases will not be completed in two or three years with the existing strength.

Although the seizure is very tempting, but without the diamond diamond, you really can't do porcelain work, not to mention that Secretary Lin and Deputy Director Zhang have a clear attitude, as long as they strive for the name of "undertaking", how to "do" and hand over the leadership to the ministry.

Han Bo didn't want to leave a bad impression on the leaders who didn't care about the overall situation, so he said helplessly: "Report to Bureau Liu, because there are hundreds of accounts controlled by underground money banks, involving a wide range of areas. In addition, in order to cover people's eyes, criminals use cross-regional transfers, online banking transfers, multiple cross-transfers, etc., which brings great difficulties to the investigation and evidence collection. Coupled with other cases that may be discovered during the investigation, it is obviously not enough to dig deep and investigate with our existing strength, and this hard bone is at least not something that we Dongping City Bureau can gnaw on. ”

"Deputy Director Zhang, what is the opinion of your provincial department?"

"Bureau Liu, although the three underground money banks were destroyed by the Dongping City Bureau under the organization of our provincial department. To this end, a number of elite soldiers and strong generals have been transferred from the economic investigation corps of our provincial departments and several municipal bureaus. If these backbones are all on this case, it will have to affect other work. ”

Deputy Director Zhang paused, and said slowly: "Moreover, the main criminal acts of these three money laundering gangs were carried out in Dongguang, which is too far away from us to reach the whip. The party committee of our department has carefully studied it and unanimously agreed that half of the case has been handled without fail, and at the same time there are some unfavorable factors, so it has been reported to the department. ”

"You can't afford not to do half of it", this sentence is the point.

Deputy Director Liu felt very funny, and did not intend to go around in circles with him, and said bluntly: "Deputy Director Zhang, the leaders of the ministry have made important instructions before coming, if the case is complicated and the amount of money involved is huge, the People's Bank of China, the State Administration of Foreign Exchange and the Economic Investigation Bureau of our ministry will organize relevant departments to jointly investigate and handle it. Now the situation is clear, the case is serious, and the amount of money involved is shocking......"

This hard bone is too difficult to gnaw, and gnawing a small piece can lead to a series, and I don't know how to gnaw until the Year of the Monkey.

As the deputy director of the Dongping City Public Security Bureau, Han Bo only wants to defeat Hao Yingliang's gang, avenge the deceased, and recover the assets that they have embezzled for the country.

Just as he was relaxed, Deputy Director Liu said again: "Comrade Han Bo, you are most familiar with the facts of the case, and you have rich experience in economic investigation, and you may have to continue to participate in the next investigation work until the case is completed." ”