One, the user fraud. The depositors themselves intentionally or unintentionally divulged their own withdrawal passwords, their own or authorized others to transfer, withdrawal, POS consumption and other ways to transfer deposits. Afterwards, the depositors conceal the key information, falsely claiming that "the deposit is lost".
Two, external fraud. This type of "deposit disappearance" also has several possibilities. 1, the customer's bank card was copied, the password was obtained. Generally seen in the customer in the merchant consumption or ATM withdrawals by modified POS machine or door swipe device to obtain the bank magnetic stripe card information, while the bank withdrawal password was stolen. In this way, even if your bank card is still safe and sound in your side sleep, but your deposit is no longer safe, other people may have copied a hand with you exactly the same card, and then can be through the POS machine consumption, ATM withdrawals, transfers, and other means to make your deposits disappeared. 2, cell phone implanted Trojan horse virus. Typical case is the case of deposit loss mentioned above, and the loss of deposits in this situation more in the interception of customer identity information and cell phone verification code through the fast-payment mode of consumption card to make your deposits disappeared.3, net banking, mobile banking and other key information leakage, criminals through the login network, cell phone banking and other operations, the transfer of deposits.4, the temptation of high interest rates, direct fraud. Fraudsters may lead you into the bank, you think your deposit is present in the bank, it is possible that never saved into your bank account.
Three, internal fraud. Individual employees within the bank take advantage of their position to steal deposits. This situation is less likely, because if it is a real deposit, only internal one person want to steal a few impossible, the bank's internal tellers, review and other incompatible positions to constrain each other, but also need to know the depositor's deposit password, so more than the bank's individual employees to use their acquaintances fraud, violations of the operation on behalf of the customer, etc., as well as more of the next situation.
Four, internal and external collusion. This is also a period of time ago in Jiangsu and Zhejiang "deposit loss case" the most common type. Money brokers to high interest rates as bait to introduce customers to a bank deposit, but in fact, through internal and external collusion, external criminals through the black sheep of the bank internal mastered your U shield or password card, the bank reserved cell phone number, withdrawal passwords and other information may also be for the external criminals to master, naturally, your deposits also no longer belong to you.
Fifth, the bank IT system vulnerability or error. This is not impossible, but the likelihood tends to be close to zero, because the bank has a multi-location data backup, and a variety of accounts need to be rolled up, so not only is the bank accounts on the less money the bank will be worried about, the more money the bank will be worried about.