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银行的规章制度是比较健全的,但从打击经济犯罪活动所暴露的问题来看,也有不少的漏洞,给犯罪分子以可乘之机。在近来揭出的经济案件中,突出的是利用联行帐务,搞空头汇款、空头结算凭证,盗窃联行资金。1985年以来,我区农行系统发生盗窃联行资金大案就有五起,金额达一百多万元,是我区银行历史上从来有过的。联行往来制度上的漏洞主要有两方面。(1)凭证不全。银行采用单式传票,现行异地结算凭证,只有存款科目的传票,对应的联行往来凭证没有代传票联。每日营业终了,为了分科目扎日结单,只能根据当天的联行往来卡片帐,汇总编制联行科目传票。
The rules and regulations of banks are relatively sound. However, there are quite a few loopholes in the crackdown on the problems exposed by economic crimes so that criminals can take advantage of this. Among the recent economic cases, the prominent ones are the use of the accounts of the United Bank, the short remittance, short clearing vouchers and the theft of funds by the joint bank. Since 1985, there have been five major cases of funds stolen by the Agricultural Bank of China system in the Bank, amounting to more than one million yuan and have never been in the history of the Bank in our region. There are two main loopholes in the system of bank transactions. (1) certificate is incomplete. The bank uses a single summons, the current off-site settlement vouchers, only vouchers for deposit accounts, the corresponding joint exchange voucher has no subpoena. End of the day business, in order to sub-day tie-up statement, only the day according to the Union Bank card accounts, the preparation of the Joint Division summons.