resulting in regulatory loopholes. Because interest-driven

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Yesterday, Nanjing Shimonoseki Court together POS machine credit card cash case,hogan interactive 2012, four defendants in the manner fictitious transactions, the use of POS machines to help cardholders direct access now, been accused of illegal business, in which the principal Chen Meng man accused of illegal cash amount of up to 133 million yuan, the other three defendants were accused of involving varying amounts totaling over 250 million yuan from several million to a billion dollars.
Face charges, the four defendants, said the amount "not so much", the prosecution believes that the evidence is conclusive,moncler outlet ufficiale, clear facts. The trial prosecutor also noted that the financial sector for POS machines trial hair strict, lack of supervision on the use of POS machines, Express reporter through the bank and the industry interviews, but also indirectly confirmed this point. The trial continued after the end of the day, the judge was not in court for sentencing.
□ Express correspondent correspondent Zhang Yu Guan research
The court review
POS machines cash changed hands several times crazy
The principal case is Chen Meng,http://engkwentro.tk/blogs/38495/1250365/but-the-woman-beside-him-act-as, he naturally also the protagonist of the story. Since he bought the others, "discard" of a POS machine, "business" is booming, can be described as the amount of money to be soft. As the saying goes "into is it is defeated it," Chen Meng eventually come a cropper, is planted in the POS machine.
's First owner only took a month
35-year-old Chen Meng Nanjing, high school education, before the incident has not been a proper job. March 2009, a man named Wu Hong who found him that they want to help people apply for a credit card POS machines cash. Chen Meng was also on hand have nothing to do,http://lpwfs.com/news/html/?61414.html, they decided to help Wuhong Shen please POS machines, which make some money.
Subsequently, Wu Hong Chen Meng holding identity cards, get help in Yangzhou Gaoyou help Wu Hong registered a hardware business,hogan scarpe outlet, and apply for a local POS machines. Then, Wu Hong rented a room in Nanjing Xin Jie Kou, credit card cash started to help people, but after more than a month, Wu Hong put the POS machine transferred Chen Meng, for Chen Meng also paid the cost of a few thousand dollars.
After he took over the "business" fire
Since then, Chen Meng himself in Nanjing Zhujiang rented office space, the use of this cash card POS machines for others, occasionally using someone else's POS machines. Each transaction, Chen Meng will charge 1-2% of the fee. For example, when customers go to Chen Meng brush 10,000 yuan, and ultimately your money is 9900 yuan, 100 yuan is to be deducted the fee. "If it is brushed on my own POS machines, banks will be deducted 20 yuan, I earn 80 yuan." Because versed cash card business opportunities, plus a lot of customers by word of mouth, the business gradually Chen Meng fire stand up.
Chen Meng himself busy, also found a Jiaoa Jiang's helper. A 24-year-old Jiang is a college graduate, has not been a proper job. From the beginning of July 2009, Ah Meng Chen Jiang came here to work, salary 1000 yuan per month initially, and later rose to 1800 yuan per month. Weekdays, POS machines bundled with the hardware business account money will be directly transferred to the two Ajiang debit card, but Ajiang tasks are mainly transfer money.
Peer cooperation play "a servant multi-master"
August 2009, Chen Meng himself due to lack of funds, they would just know a name is Sun Miao woman to borrow money. After several consultations, Chen Meng Sun Miao has guaranteed the right to use this hardware business POS machines. Subsequently, Sun Miao in Nanjing Hongwu Road rented a room, starting with Chen Meng same acts. In exchange, Sun Miao every day on time and the money into a sum of 100,000 yuan or so within Ajiang debit card, the first thing Ajiang work every day, is to go to the bank to take money out of Cary, easy When customers cash withdrawal card.
Said peer is the enemy, can Chen Meng and Sun Miao two is "intimate." Their respective POS machine is not one, except this POS machines share hardware business, but also the exchange of POS machine. Sometimes, some want cash card,scarpe hogan on line, but the hands and no POS machines "peer" will find the owner who borrowed, which is Chen Meng called "posting." "They brought the credit card, I hold on POS machines swipe, I'll wait for the money transferred to them after arrival, one-thousandth of the fee charged if I use someone else's credit card POS machines,http://ripe.s191.xrea.com/joyful/joyful.cgi/joyful.cgi"??U?锚??I?,saldi moncler online, they should pay owner fee. "
A year after the withdrawal of households, people have been arrested
Until around April 2010, Chen Meng use this total POS machines cash hardware business of more than 130 million yuan,http://wx.jazzsynth.com/wxcgi/kizai/sunkizai.cgi?mode=form&no=82&page="t, which is equivalent to a monthly amount reached 10 million yuan more than the average amount of cash every day more than 330,000 yuan, but in fact these Transactions are simply non-existent. In addition, Sun Miao also been using this credit card POS machines cash, the transaction amount she passed, up 106 million yuan. This POS machine transactions, banks attracted attention, April 9, 2010, the Bank POS machines were forced to withdraw households.
August 2010,http://my.5754.cn/home.php?mod=spacecp&ac=blog&blogid=, police received a clue report, said in a Business Building Zhongshan South Road, someone suspected of illegal business, for others cash card. Then the police arrived at the scene, where A is the river, and the other a credit card cash woman was arrested. Police caught a POS machine 4,moncler vendita, bank card number of sheets, POS machines sign purchase orders and other items involved a number of sheets. Soon after, Chen Meng and Sun Miao was also a catch until the incident, Chen Meng credit card charges reach hundreds of million of cash acquired.
Why are there so many people find their cash?
Answer: Compared to credit card cash withdrawal, this method can get more cash in a short time
The total amount involved over 250 million
Public Prosecution charged the amount Chen Meng, Sun Miao were arrested for operating a 133 million yuan, 106 million yuan, Ajiang alleged illegal business volume more than 20 million, and Ah Jiang was arrested while a fourth defendant was accused of involving more than 5,000,000 .
The defendants consider themselves not so much the amount involved. Subsequently, the prosecution issued by the relevant documentary evidence, records of inquests, conclusions and other evidence that confirm each other all the evidence, evidence of the formation of a complete system.
In the end, the prosecution presented sentencing recommendations, the four defendants in the manner fictitious transactions directly to the credit card holders to pay cash, the amount of 500 million yuan were the circumstances are especially serious, his behavior constituted the crime of illegal business, you should have at least 5 years of imprisonment,sito ufficiale moncler outlet, illegal income and impose a fine of more than five times.
Chen Meng, Sun Miao cash card for others in the process, then the case of witnesses, that had two customers have said never buy from Chen, Sun had two things, just looking for them to help in the POS machine credit card .
Many credit card holders say they are because they can not afford to repay, to find such a cash card company, to help advance payments, credit card and then restore credit,http://mizu-masa.sakura.ne.jp/yokkaichi/movie/sunbbs2/sunbbs.cgi?mode=form&no=1997&page=1, this approach is what they call "support cards." Mr Wu would often go to the public, where Chen Meng cash. "I go, they say you can put the card in there 'to support the card', I would agree." Then on his card was a note attached to the other side "support cards" until the end of June last year, was back to her credit card.
A person familiar with banking industry source told reporters, in most banks are clearly defined, credit card cash withdrawal, whether it is going to take the ATM machine or counter, cardholders need to pay fees ranging from 0.5% to 3%. This is looking to cash in company fees ranging from 1% to 2%, it is not considered too many concessions.
"The key problem is not charged, but cardholders can get cash amount is how much." The industry source told reporters, usually by credit card to bank cash withdrawal, then, at most, can take half credit, but not necessarily a one-time withdrawal. "But if the credit card, the biggest credit card is the cardholder's credit limit to credit card cash, he can be more efficient to get more cash." The industry source said, but also for the cardholder's credit card cash advances also models, let short rapid recovery of credit, which makes a lot of money in the "card slave" in droves.
However, credit card companies often go to cash, then the risk for cardholders who are exceptionally large. Jiangsu Xie Ying Easthigh law firm lawyers said that if the cardholder can be overdrawn money back to the bank as soon as possible, the problem is not big, but if not, the trouble came. "It makes it easy for cardholders into a vicious cycle of the cycle, the cardholder carrying more debt,http://www.tako-fujita-suisan.com/cgi-bin/aska/aska.cgi?res=72, the bank is not on the provisions of the words within the time limit, is likely to be arrested for credit card fraud."
After the application is successful, the bank POS machines regardless of the main tube?
Bank: will provide a list of transactions and accounts, but no additional regulatory measures
Prosecution: Regulatory loopholes
The prosecution also referred to the problem of POS machine applications, "Review of the unit in addition to examine the authenticity of the relevant documents, but also to verify the applicant's corporate bank accounts and online bank accounts, and the applicant's actual fieldwork premises." Indictment Fang noted that they found in the case of the review process, in addition to the trial of POS machines made strict, the financial sector also exists for the use of POS machines supervision situation.
"Financial institutions will have the cardholder credit card fee income." The prosecution pointed out that the case exposed UnionPay POS machines in use, there was no effective supervision and review of the channel, resulting in regulatory loopholes. Because interest-driven, POS machines issuing department did not understand the situation on the ground merchant business premises, business scope, tax collection and so on.
Prosecutor pointed out that the formal way to apply for POS machines are banks and CUP. Yesterday afternoon, the reporter went to a nearby bank Rehe, said the plan to open small clothing store, advice on how to apply for POS machines. A client manager made it clear that the application process is not complicated POS machines. "General need to have your personal ID card, business license, tax registration certificate, organization code and other related materials, after the bank audit checks can handle."
However, the application of POS machines if only brush debit card, it might be more simple. If either brush debit card, they can swipe credit cards, it would require relatively higher. "First you want to open a bank account for the public, because the credit card, it does not permit the money remitted to personal credit card accounts." The account manager that applicants POS machines do not need to spend too much money, mainly late fees, annual account management fee to the bank to pay 300 yuan,woolrich parka, if the average daily balance of public accounts of less than 10,000 yuan,hogan beige, then, you also need to pay a small account management fees.
Subsequently, when a reporter asked POS machine application is successful, the bank whether the applicant will be reviewed management,hogan interactive uomo, he said that after the customer credit card at the POS machines,http://wx.jazzsynth.com/wxcgi/kizai/sunkizai.cgi?mode=form&no=93&page=, banks have a record of each transaction, the transaction will provide a list of the applicants , the surface of each of the charges, and out of accounts,moncler 2011, etc.,hogan interactive blu, but how to use POS machines in the end, the bank will not have additional regulatory measures. The important aspect of this is the bank criticized, POS machines cash when cases have occurred, which banks and other financial sector regulators and the poor can not get away.
The application process simplification POS machines, but also to provide a rich criminals shortcut. Many people made it clear that you can "provide POS machines for installation of one-stop service", the reporter consulted several calls, the answer is more simple, as long as they pay a charge d'affaires, said the cost of applying the relevant procedures by their full lump sum.
(Department of text characters pseudonym)