Core Viewpoint - The article highlights the recurring issue of employee fraud within Jilin Bank, emphasizing the need for stronger internal controls and risk management to prevent such incidents in the future [4][15]. Group 1: Employee Fraud Cases - A recent case involved a 90s-born employee, Zhu Moujie, who defrauded friends and family of 7.33 million yuan through a "high-interest loan" scheme, ultimately leading to a ten-year prison sentence [4][13]. - Zhu's fraudulent activities began in April 2019, where he promised high returns of 2% per week, luring in victims with his bank employee status [7][10]. - The scheme expanded as Zhu created fake documents and communications to build trust, resulting in over 74.6 million yuan being transferred to him by victims [10][12]. Group 2: Jilin Bank's Internal Risks - The repeated occurrence of fraud cases indicates inadequate internal controls and monitoring of employee behavior within Jilin Bank [4][15]. - The bank's internal issues are compounded by significant loans to related parties, with 12.899 billion yuan lent to shareholders and their companies, raising concerns about potential bad debts [22][23]. - The bank's non-performing loan ratio increased to 1.50% in 2024, up from 1.39% in 2023, indicating growing financial risks [22][23]. Group 3: Shareholder Dynamics - Jilin Bank's fourth-largest shareholder, Yatai Group, announced plans to sell 300 million shares due to substantial losses exceeding 11.55 billion yuan over four years [20][21]. - The sale of shares is seen as a desperate measure to recover from financial difficulties, with the bank continuing to provide loans to Yatai Group despite its precarious situation [22][23]. - The bank's aspirations for an IPO have stalled, with ongoing internal and external challenges threatening its operational stability and growth prospects [23].

2025.07. 20 本文字数：2445，阅读时长大约4分钟 作者 | 第一财经 陈君君 备受关注的"工行2.5亿存款失踪案"迎来新进展。7月15日，受害储户起诉中国工商银行南宁分行等分 支机构的民事赔偿案件在南宁正式开庭审理。这起曾震惊全国的巨额存款失踪案，将银行内控机制有 效性再次推至聚光灯下。 近年来，全国商业银行频繁爆出存款"失踪"或被盗事件，银行的责任边界和内控风险问题再度引发关 注。对此，业内人士强调，银行应强化内部管理，完善风控机制，加强员工行为监管，以杜绝此类事 件再次发生。同时，监管部门需加大监管力度，细化监管规则，明确金融机构在保障客户资金安全方 面的责任和义务。 2.5亿元存款失踪案有新进展 作为"工行2.5亿存款失踪案"原告储户方的代理律师，北京安剑律师事务所的周兆成律师在7月15日庭 审通过微博发布了案件的相关信息。他指出，此次庭审从上午8点半开始，一直持续到9点半结束。 在庭审过程中，原告方向法庭提交了36组证据，而工行的代理律师则提交了9组证据。 原告方所提交的证据主要围绕银行方面的重大过错展开。这些过错涉及内控机制的失效以及对员工行 为监管的缺失等关键问题。原告认为正是这些因 ...

备受关注的"工行2.5亿存款失踪案"迎来新进展。7月15日，受害储户起诉中国工商银行南宁分行等分支 机构的民事赔偿案件在南宁正式开庭审理。这起曾震惊全国的巨额存款失踪案，将银行内控机制有效性 再次推至聚光灯下。 近年来，全国商业银行频繁爆出存款"失踪"或被盗事件，银行的责任边界和内控风险问题再度引发关 注。对此，业内人士强调，银行应强化内部管理，完善风控机制，加强员工行为监管，以杜绝此类事件 再次发生。同时，监管部门需加大监管力度，细化监管规则，明确金融机构在保障客户资金安全方面的 责任和义务。 北京寻真律师事务所的王德怡律师分析称，如果储户的资金确实存入银行且储户取得了合规的存款凭 证，那么银行应当承担相应的安全保障责任。然而，如果储户在办理存款过程中已经察觉到手续异常， 例如存单印鉴不符合规定等情况，那么案件可能涉及盗窃或诈骗。 值得注意的是，本案受害储户除正常利息外，每月还收取梁某提供的4.5%额外贴息，折算年化收益高 达54%，远超市面上工行3年期大额存单不足5%的利率水平。 随着案件进入庭审阶段，这起涉案金额巨大的存款失踪案暴露出银行在员工行为监控，特别是对有重大 债务隐患高管的监督存在严重疏漏。法 ...