Can I get the provident fund if I don’t meet the conditions？ —— Deception from the bottom to withdraw the ＂black chain＂ of the provident fund
Xinhua News Agency, Nanning, January 20th Question: Can I get the provident fund if I don’t meet the requirements? — — Cheating from the bottom to withdraw the "black chain" of the provident fund.
Xinhua News Agency "Xinhua Viewpoint" reporters Lu Xianting and Lin Fanshi
"Withdraw the internal provident fund within one hour" and "You can withdraw the provident fund regardless of whether you have a house or not" … … Seeing such a small advertisement, some employees who paid the provident fund moved their brains: anyway, they are all their own money, so why not take it out? So I contacted the "black intermediary" and successfully extracted the provident fund.
Two months ago, the police in Baise, Guangxi, cracked a case of fraudulently withdrawing provident fund and arrested 11 suspects, 9 of whom were arrested on suspicion of forging, altering, buying and selling official documents, certificates and seals of state organs, and the "black chain" of illegally withdrawing provident fund was exposed. 85 illegal extractors were included in the list of untrustworthy personnel in the provident fund system.
Small advertisements attracted more than 80 people to illegally withdraw the provident fund.
In May 2021, a small advertisement of "internal withdrawal of provident fund" was forwarded to the WeChat working group of Baise Housing Provident Fund Management Center. The center launched an investigation and found a criminal clue of collusion inside and outside to defraud the provident fund.
"I want to withdraw the provident fund. What materials do I need?"
"Just provide your ID card and bank card."
"I heard that someone was found out and notified. How do you ensure safety?"
"Don’t worry, someone inside our provident fund can operate, and safety can definitely be guaranteed."
Yang Qingyu, the chief of the extraction section of Baise Housing Provident Fund Management Center, dialed the telephone number on the small advertisement, pretending to be an employee who wanted to withdraw the provident fund, and obtained important information. From this, he launched a self-examination and quickly locked Wang Mouxiang, the original employee of the center, as a major suspect.
The investigation found that Wang Mouxiang was transferred to the Leye Management Department for less than half a year, and the management department’s provident fund withdrawal business surged. "Leye Management Department is the county management department with the least business volume in Baise, but from the end of March to the beginning of May 2021, 40 businesses were handled before or after work, and most of them were cross-management business, which is very suspicious." Yang Qingyu said.
Baise City Housing Provident Fund Management Center immediately sent a special working group to conduct a talk and investigation on Wang Mouxiang, and Wang Mouxiang confessed to the fact that he colluded with intermediaries to assist employees in illegally withdrawing housing provident fund.
In view of the problems found, Baise Housing Provident Fund Management Center carried out investigation and rectification throughout the system, and submitted relevant materials and clues to Baise Public Security Bureau. In June, 2021, after receiving the case transferred by Baise Public Security Bureau, leye county Public Security Bureau immediately set up a task force to carry out investigation and destroyed the gang that defrauded the housing provident fund.
After investigation, for personal gain, Wang Mouxiang colluded with illegal intermediaries to attract people who needed to withdraw housing provident fund, and fraudulently withdrew housing provident fund for others by forging seals, proof of kinship, purchase contracts, etc., from which he extracted 15% to 25% of the total amount of benefits.
Yang Guangmeng, a policeman who handled the case, said that many swindlers only provided ID cards and bank cards to "black intermediaries". As for how they extracted the provident fund, they were not clear. "Many materials are false at first glance, such as forging proof of kinship, and some people don’t know them at all ‘ Husband and wife ’ 。”
This case seriously violated the normal management order of the national provident fund, resulting in heavy losses in the special account of the provident fund. More than 80 fraudsters were asked to return the funds in full.
How to form the "black chain" of defrauding provident fund
As the case came to light, the "black chain" behind the fraudulent withdrawal of the provident fund was also dug up. The interviewed police handling the case and the staff of the special working group of the Provident Fund Management Center said that illegal collection of provident funds has occurred from time to time. Such cases are wide-ranging and concealed, and it is difficult to crack down on governance.
In this case, there are a large number of fraudsters and the gangs involved have a clear division of labor. The "ghost" in the provident fund management center is responsible for internal operation, and the "black intermediary" is responsible for finding customers, understanding the required materials according to customer information, and then finding relevant personnel to forge contracts, invoices and other materials.
It is understood that the single-line contact between gang members is concealed. Wang Mouxiang was the first to collude with Zeng Moucheng, a city with "many acquaintances and wide roads". Zeng Moucheng launched an offline search for customers, and then sent the customer information to Wang Mouxiang. Wang Mouxiang inquired about the customer information and the extractable amount through the internal system, and fed back the required materials to Zeng Moucheng, who then handed the information to his offline.
Wang Mouxiang confessed that Zeng Moucheng arranged for Lu to deliver materials from Nanning to him. Lumou said that he knew nothing about the source of false materials, but just delivered them to Wang Mouxiang according to the instructions of Zeng Moucheng. The public security organs collected all the couriers related to Lumou during the incident through the courier company, and finally locked the suspects Su Mouxing and Hu Mou who were responsible for forging the house purchase contract, while others were responsible for forging the project construction planning permit and seal.
According to a large number of intermediary fees and the flow of funds, the public security organs further investigated and screened, and finally identified the main suspects and arrested them all. Chen Mou Wei, who is in charge of forging project construction planning permits, has been forging various certificates and seals since 2016. "We found his forged military officer’s card and marriage certificate in Chen Mou Wei’s mobile phone photo album." Yang Guangmeng said.
Qin Ran, deputy director of Baise Housing Provident Fund Management Center, said that in recent years, it is not uncommon to defraud the provident fund by forging various documents. "In fact, there are still a steady stream of employees taking fake materials to get the provident fund. Every year, we hand over a batch of fake materials to the Public Security Bureau, hoping that they will investigate the ‘ Black intermediary ’ 。”
Yang Guangmeng said that the crime of defrauding the provident fund is low in cost, so that "black intermediaries" emerge one after another. "It is illegal to forge documents, contracts, bills and private seals, and intermediaries and individuals who make profits from this are suspected of breaking the law. The public security organs will severely crack down on such crimes and will never be soft. "
It is not only necessary to prevent fraudulent withdrawal of provident fund, but also to reflect on the difficulty of withdrawal
According to the reporter’s investigation, at present, the Baise Housing Provident Fund Management Center has delivered a "Decision on Dealing with Dishonest Behavior" to employees who illegally withdraw funds, and all the fraudulent funds will be returned within 10 working days. For employees who fail to return illegal funds on time, they have been notified to their deposit units. All illegal withdrawals are disqualified from withdrawing housing provident fund and applying for housing provident fund loans within 3 or 5 years.
Up to now, Baise Housing Provident Fund Management Center has recovered a total of 5.3878 million yuan of illegal withdrawal funds, and 21 employees have not returned illegal withdrawal funds, with a total amount of 2.3011 million yuan. Liu Haopeng, director of the Baise Housing Provident Fund Management Center, said that employees who refuse to repay funds within a time limit will be included in the blacklist of dishonesty in Baise’s social credit system, and illegal clues will be handed over to public security organs or discipline inspection and supervision departments for disposal.
In order to ensure the compliance of housing provident fund withdrawal, Baise Housing Provident Fund Management Center further clarified the responsibilities of each post, and established an operation diary for the whole process of each handling business.
The insiders believe that the current provident fund management system still faces problems such as poor data sharing with other departments. Because the data of public security, finance and other systems cannot be retrieved in time, it is difficult to identify the authenticity of provident fund extraction materials at the first time, and it is urgent to pass departmental information sharing certification and computer algorithm approval, etc., to reduce the risk of mistakes or illegal operations caused by manual auditing.
The Regulations on the Management of Housing Provident Fund stipulates that the housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. In recent years, the use of provident fund has increased, but there are still many people who think that there are many restrictions on withdrawal, many employees do not buy houses, and the deposits in personal accounts of provident fund have been sleeping; Provident fund withdrawal can not be used for the down payment of house purchase, and some employees borrow money to make up the down payment, and then withdraw the provident fund for repayment after completing the relevant procedures.
Changning Changyu, deputy director of the Institute of Macroeconomics of Guangxi Academy of Social Sciences, believes that the use and management system of housing provident fund should be further optimized, which should not only prevent risks and plug loopholes, but also lower the threshold, consider it from the perspective of humanized management, and give full play to the role of provident fund policy so that ordinary people can get benefits from it.