Public sales on the Internet must be vigilant against the "upgrading" means of public account fraud gangs
Fuzhou, 14 Nov (Xinhua) online public sales must be vigilant against the "upgrading" means of public account fraud gangs.
Xinhua News Agency "Xinhua Viewpoint" reporter Zheng Liang
Public accounts are used for the flow of funds between enterprises. A recent investigation by a reporter from Xinhua Viewpoint found that some people have openly peddled public accounts on the Internet, a "eight-piece set" of complete enterprise-to-public account materials, including business licenses, company seals, bank reserved mobile phone cards, bank cards, and so on. Prices range from 6000 yuan to tens of thousands of yuan.
Who are the people who pay for the right public account? What is its purpose?
Several cases of Telecom Network Fraud revealed that Public accounts were used to transfer stolen money
In March this year, Cai Mou, a resident of Zhangzhou, Fujian Province, received a call claiming to be a "staff member of the network loan center." the other party swindled Cai out of 36000 yuan on the grounds that he had handled the loan. The investigation by the public security organs found that after the fraudsters succeeded, they quickly transferred the funds to a number of public accounts, which belonged to a number of companies in Guangzhou and Qingdao.
"to find out the information of enterprises and legal persons and the flow of funds, we need to check with bank of deposit, while the business-to-public accounts used by fraudsters are distributed in multiple provinces, and it takes a lot of cost to find out the relevant information and the flow of funds." The police told the reporter.
According to information released by the Ministry of Public Security, since the beginning of this year, in view of the fact that a large number of business-to-public accounts have been used by criminals to carry out telecommunications network fraud, the Ministry of Public Security has organized and deployed local public security organs to carry out investigation work. We will severely crack down on the illegal and criminal activities of trading enterprises against public accounts.
In April this year, under the unified deployment and command of the Ministry of Public Security, 27 provinces, autonomous regions and municipalities across the country launched a centralized network collection operation to detect cases of extremely large sale of bank cards and business-to-public accounts, arresting more than 600 criminal suspects and seizing 1886 enterprise-to-public accounts.
"so far this year, more than half of the telecom network fraud cases have the problem of using business to transfer stolen money from public accounts." Fuzhou Public Security Bureau criminal investigation detachment responsible person said.
In Quanzhou, Fujian, since the beginning of this year, more than 300 cases of telecommunications network fraud have been investigated by public security organs, with criminals using enterprises to transfer stolen money to public accounts, an increase of more than 70 percent over the same period last year.
Criminal gangs recruit students in schools and urban migrant workers to open public accounts for sale
According to the relevant provisions of the measures of the people's Bank of China on the Administration of Enterprise Bank settlement accounts, enterprise bank settlement accounts are accounts that handle settlement business for enterprise legal persons, non-enterprise legal persons and individual industrial and commercial households, Including basic deposit account, general deposit account, special deposit account, temporary deposit account.
Public accounts, which were originally used for corporate capital transactions, are sold online in large quantities. The reporter searched online for the words "purchase of public accounts" and jumped out of a large number of sales information, ranging in price from several thousand yuan to tens of thousands of yuan.
"the price of the 'eight-piece set' for a public account is 8000 yuan." A seller told reporters, The "eight-piece set" contains complete information such as company and legal representative, business license, account opening license (account opening information), company seal (official seal, financial seal, private seal of legal representative), bank reserved mobile phone card, 2 net silver shields, Positive and negative photos of the identity card of the legal representative, bank card and password for the public account.
"A bank account is a basic account for a public account, and with this account, you can also open a general account for transfer and collection, and there is no limit to the number of accounts," the seller said. "
The reporter asked who opened these bank cards? Will the card holder report the loss and withdraw the money? A number of sellers said that what they are doing is a long-term business, many of them are old customers, and they know the identity and address of the card opener. In case this happens, they will be responsible for finding the card opener to get the money back.
The reporter learned in the interview that many of the companies involved in the public accounts are shell companies, some of which do not exist at registered addresses, and some do not have any other transactions except as a channel for the transfer of funds.
In a telecommunications network fraud case cracked by Quanzhou public security organs, the account holder of the public account involved was Fu, and the registered company was a plastic factory in Yuyao, Zhejiang Province. An investigation by the public security organ found that the registered address of the company did not exist. According to the suspect, Fu registered a company with his own identity and sold for profit after opening a public account. "Fu also registered a number of companies, most of them shell companies, the registered address does not exist." The police told the reporter.
According to the public security police in many places, in handling the case, it was found that these enterprises opened accounts with public accounts in many provinces across the country, or some people held their own identity cards, or hired people to register companies in the industrial and commercial departments. After obtaining the business license, we will open public accounts at the counters of the major banks, and then resell them for profit.
In the case of the huge sale of bank cards and business-to-public accounts uncovered by the Ministry of Public Security in April this year, criminal gangs issued advertisements through the Internet and wantonly recruited school students, urban migrant workers, and other banks to set up bank cards and business-to-public accounts.
Strengthen the supervision of public accounts, strengthen credit punishment and prevent individual resale accounts from making profits
The premise of opening a public account is to have a business license. The reporter learned from the market supervision and management department that after the registration of companies and individual industrial and commercial households, they can obtain a business license and handle public accounts.
The regulations on the Administration of Company Registration clearly stipulate that no unit or individual may forge, alter, lease, lend or transfer a business license. The measures of the people's Bank of China for the Administration of Bank Card Business also clearly stipulate that bank cards and their accounts shall only be used by cardholders approved by the card issuing banks and shall not be leased or lent. The reporter learned from the court interview that if the circumstances are serious enough to constitute a crime of buying and selling state organ certificates and obstructing the management of credit cards, they will be investigated for criminal responsibility.
It is reported that the market supervision and management department mainly carries out formal examination of the registration application, that is, whether the applicant has provided complete statutory materials, whether the identity of the applicant is true, and so on.
Industry insiders said that while promoting the facilitation of business registration and abolishing the reform of administrative licensing for the opening of business-to-public accounts, it is necessary to improve supervision during and after the event, so as to prevent the phenomenon of "letting it go but not paying attention to it."
Bankers said that the state has clear regulations on the supervision of enterprise bank accounts, and the people's Bank of China should strengthen the monitoring and analysis of the abnormal situation of opening, revoking, or changing enterprise bank accounts, and find that the transactions of enterprise bank accounts are abnormal. It should be investigated and dealt with in a timely manner; When opening public accounts for enterprises and individual industrial and commercial accounts, commercial banks should examine their true identity and verify their willingness to open accounts, and so on.
The public security police in many places suggested that in combination with cracking down on new illegal and criminal activities in the telecommunications network, joint public security and supervision departments should carry out special crackdown on governance actions, focusing on the opening of accounts by enterprises with multiple heads, opening accounts indiscriminately, leasing, lending, selling accounts, and so on. It is necessary to step up the crackdown on individuals applying for business licenses for false information, resale and profit-making after opening enterprise bank accounts, and joint punishment. In addition to investigating the corresponding legal responsibility in accordance with the law, we should also strengthen credit punishment, so that those who greed for small and cheap use of their personal identity to apply for a business license and handle resale and profit-making after the public account are unable to move.