The 44,000,000 was transferred into the bank account in installnts.
For personal reasons, he had always used a certain private bank in Jin City. There were also more than twenty of its branches in Jin City, so it wasn’t considered a small bank.
When the litigation money had been transferred into the bank previously, the bank hadn’t monitored it. They hadn’t even given him a single call. Now, however, they were self-righteously telling him that they needed to supervise the fund’s security.
"I’m sorry, sir. There might have been a mistake by our staff previously. However, we indeed need to verify the funds before transferring them out. Please understand." The staff mber quickly apologized but still maintained a bureaucratic deanor, not yielding an inch. "Only after you have completed filling out all the information can we verify it in our system and address your issue."
Despite the apology, their attitude remained firm.
Qin Mu gave the employee a long look, feeling rather helpless. In modern society, getting things done has beco increasingly difficult due to the so-called ’rules’ of various institutions. And the person in front of is just a junior employee; I can’t make things difficult for him. These ’rules’... They aren’t illegal, nor do they skirt the law. If you want to get sothing done, you have to follow their rules.
"I didn’t prepare enough docunts today; I’ll co again tomorrow."
He took a deep breath. Qin Mu chose to step back, planning to co again the next day with all the necessary docunts prepared.
Although this bank is sowhat overbearing, it isn’t doing anything illegal or irregular. I really have no way to counter them.
"Sir, you’ve used up your appointnt slot. You won’t be able to conduct this business tomorrow. I suggest you make an appointnt early today and co back in three days." This clerk "kindly" reminded him.
Qin Mu almost coughed up blood in frustration. But helplessly, he could only do as instructed.
The bank is holding my 44,000,000, yet they’re so domineering! No wonder they say the debtor is in the position of power.
Yet, just a few years ago, so people shalessly claid banks were the vulnerable group! They glorified it by claiming banks took on financial risks and social responsibilities, arguing that businesses shifted various loan risks onto banks, rendering the banking system extrely fragile. This completely disregarded the banks’ own practices. Institutions like these also shifted economic risks onto the common people.
In comparison, when common people deposit money in banks, they are completely unaware of how their money is specifically used. The banks don’t disclose this information either. Once a funding gap appears and the bank can’t cover its obligations, it’s generally the common people who have to bear the loss and accept their bad luck.
Over the years, countless small banks have collapsed due to poor managent. When these banks closed, all the risk was borne by the depositors! Even with bankruptcy settlents, the amount of money they could recover was pitifully small! According to the safety net provisions in relevant financial laws, if 1,000,000 in deposits vanishes, the bank only provides 500,000 in compensation. That ans depositors have to accept losing at least half of their money!
「Mountain and Water Garden District.」
After getting off work, Qin Mu returned ho and found a series of docunts that could "prove his identity."
Then he sent a ssage to Qing Lan, telling her about the situation.
"This kind of thing still happens? Banks are so oppressive these days!" Upon learning the news, Qing Lan was equally infuriated. "Up, I support you! Send them all to jail! Are we talking about the bank tellers this ti, or the entire senior managent of the bank?"
Looking at the ssage from Qing Lan, Qin Mu’s mouth twitched as he replied, "They haven’t broken any laws or committed any cris, so how could I send them?"
"Up, you’ve exposed yourself! I was just kidding. I didn’t expect you to actually have that thought—that’s terrifying!" The ssage was followed by an emoticon of a newbie trembling in fear.
Several dark lines appeared on Qin Mu’s forehead.
To be honest, I did have that thought. But they were operating within legally permissible limits, with no violations, illegal acts, or cris. Even if I wanted to send them to jail... it would be useless.
After that, he asked Qing Lan for so of her identification details, such as her ID card number, bank account number, and the na and address of her bank branch. "Supposedly," the bank wanted these to verify his "true" intent to transfer money and prevent him from making a "false" transfer.
The more he thought about such an absurd requirent, the angrier he beca. It was fine when I deposited the money, but now that I want to use it, it’s nothing but trouble. ’The bigger the store, the more they bully the custor’—that saying is absolutely spot on.
"The money I owe you... I might have to transfer it a bit later." After thinking for a mont, Qin Mu sent Qing Lan an apologetic ssage.
"No worries, I’m not in a rush for the money right now." Qing Lan replied. "But... you finally ran into so trouble! Now you have material for a video. Rember to update soon! It’s been over a month, and we’re still waiting to learn about law from you!"
As they chatted, Qing Lan again steered the conversation towards urging him for more updates. Her ssages conveyed an undeniable joy and excitent.
Qin Mu: "..."
「Three days later.」
After preparing all the docunts, Qin Mu went to the bank yet again.
He took a number and waited in line with practiced ease. Once his number was called, he filled out five forms and completed all the procedures.
"Can it be processed now?" Qin Mu looked at this new staff mber and asked solemnly.
"This... this money... it all ca from lawsuits?" Upon careful review of the forms, the staff mber showed a look of surprise.
The details in the "source of funds" column visibly startled the clerk. In the transaction records, most of the money had been transferred from the court enforcent account. The mo read: "Return of litigation fees"!
What the clerk found hard to believe was...
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