男子买卖黄金获利2100万被银行划走 法院支持银行

利用中国工商银行提供的黄金买卖交易系统，宋荣贵通过电话委托方式，短短十天内买卖黄金超过2100千克，总金额达3.2亿元，获利2100多万元，但很快被开户银行以“不当得利”为由将钱划走，宋荣贵将银行告上法庭，却被银行反诉。由于涉案金额巨大并挑战诸多法律空白，此案被称为“中国黄金第一案”。日前省高院对案件作出终审判决，支持银行撤销宋荣贵126笔“纸黄金”交易。6G9Rainbow Mandarin 彩虹汉语

网上炒黄金6G9Rainbow Mandarin 彩虹汉语

10天获利2100多万6G9Rainbow Mandarin 彩虹汉语

2006年5月30日，宋荣贵在中国工商银行股份有限公司济南泺源支行(以下简称济南泺源工行)申请开立了个人银行结算账户，通过银行提供的黄金买卖交易系统，采用电话银行方式进行“纸黄金”买卖交易。6G9Rainbow Mandarin 彩虹汉语

自2006年6月29日起，宋荣贵以远低于银行黄金报价的价格买入，随即又以接近银行黄金报价的价格卖出，即买即卖反复操作，到7月8日，共进行买入交易65笔，买入黄金1067千克，金额1亿5千余万元；卖出61笔，卖出黄金1067千克，金额1亿7千余万元，获利2100余万元。6G9Rainbow Mandarin 彩虹汉语

涉嫌违规6G9Rainbow Mandarin 彩虹汉语

银行将钱划走6G9Rainbow Mandarin 彩虹汉语

济南泺源工行认为宋荣贵的上述交易具有明显的恶意操作性质，随即将宋荣贵2100多万的交易获利款项划走，并请求法院撤销宋荣贵的126笔黄金买卖交易。6G9Rainbow Mandarin 彩虹汉语

然而宋荣贵却认为自己根据工商银行提供的交易系统，按照正常电话语音提示逐步操作，并不存在违规现象。自己根据银行提供的黄金参考价格，选择高于或低于参考价格的成交，符合交易规则，济南泺源工行无权撤销已交易完毕的黄金买卖。宋荣贵将银行告上法庭，却被银行以非法获利为由反诉。6G9Rainbow Mandarin 彩虹汉语

钻了系统漏洞6G9Rainbow Mandarin 彩虹汉语

被判不当得利6G9Rainbow Mandarin 彩虹汉语

本案中原被告双方争论的焦点之一，就是银行在“纸黄金”交易过程中的地位是中介平台还是参与买卖的当事人。6G9Rainbow Mandarin 彩虹汉语

法院最终认为，每一笔“纸黄金”交易都是银行和宋荣贵双方直接发生的交易，没有通过第三方协助完成，银行并非中介而是交易的当事一方，银行与宋荣贵之间的“纸黄金”交易合同属于买卖合同，银行作为合同当事人有权行使撤销权。案件的另一焦点是，宋荣贵在短短十天赚了2100多万元到底是合法交易还是不当得利。6G9Rainbow Mandarin 彩虹汉语

法官审理发现，宋荣贵在2006年6月29日至7月8日期间，是以一种叫“止损委托”的方式进行的65笔买入交易，设定的委托买入价均低于当时的银行报价，违反了交易规则。实际上，银行交易系统应当作出拒绝接受交易的判断，但由于该系统存在漏洞，没有作出正确判定，造成宋荣贵的交易没有被系统发现，宋荣贵正是钻了系统的空。6G9Rainbow Mandarin 彩虹汉语

2010年9月，济南中院依法作出一审判决，支持银行撤销126笔交易的诉讼请求。宋荣贵不服一审判决，上诉到山东省高级人民法院。日前，山东省高院作出了驳回上诉，维持原判的终审判决。6G9Rainbow Mandarin 彩虹汉语

□“黄金第一案”始末6G9Rainbow Mandarin 彩虹汉语

2006年5月30日，宋荣贵在工商银行开立个人黄金买卖账户。6G9Rainbow Mandarin 彩虹汉语

2006年6月29日，宋荣贵以低于市场黄金价格交易成功。6G9Rainbow Mandarin 彩虹汉语

2006年7月8日，宋荣贵买进卖出共交易126笔获利2100多万。6G9Rainbow Mandarin 彩虹汉语

2006年7月12日，工行通知宋荣贵去核对账户。6G9Rainbow Mandarin 彩虹汉语

2006年7月13日，银行扣留宋荣贵，宋荣贵被迫挂失银行卡。6G9Rainbow Mandarin 彩虹汉语

2006年8月3日，宋荣贵收到通知书，巨额收益被划走。6G9Rainbow Mandarin 彩虹汉语

2007年4月17日，宋荣贵把工行告上法庭，之后被银行反诉。6G9Rainbow Mandarin 彩虹汉语

2008年4月11日，“中国黄金第一案”一审在济南市中级人民法院开庭。6G9Rainbow Mandarin 彩虹汉语

2010年9月，济南中院作出一审判决，支持银行撤销126笔交易的诉讼请求6G9Rainbow Mandarin 彩虹汉语

 6G9Rainbow Mandarin 彩虹汉语

Improper use of the Industrial and Commercial Bank of China's gold trading trading system, Song Ronggui by telephone on commission, just within ten days of the sale of more than 2100 kilograms of gold, amounting to 320 million yuan and a profit of more than 2100 million, but soon to be the depositary bank " benefit "as an excuse to shove off the money, Song Ronggui bank to court, but banks counterclaim. Due to the huge amount of money involved and challenge a lot of legal gaps, the case was referred to as "China's gold the first case. A few days ago the High Court made a final decision on the case support the Bank revoked Song Ronggui 126 pen "paper gold trading.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
Online fried gold6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
More than 21 million profit in 10 days6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
May 30, 2006, the Song Ronggui in the Industrial and Commercial Bank of China Co., Ltd. Jinan the Luoyuan Branch (hereinafter referred to Jinan Luoyuan ICBC) for opening personal bank settlement account, through the sale of gold trading system provided by the bank, telephone banking "paper gold" transactions.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
Since June 29, 2006, Song Ronggui prices well below the Bank of gold offer to buy, then sell in the near-bank gold quoted price, that buy and sell repeatedly for July 8, a total of buy 65 pen into the trading, buying 1067 kg of gold, 100 million of the amount of five thousand million; sell 61 pen, sold 1067 kg of gold, 100 million of the amount of seven thousand million, a profit of more than 2,100 million.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
Alleged breach of6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
Bank of the money designated to go6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
The Jinan LUOYUAN ICBC the Song Ronggui of the above transactions have a malicious operating nature, then Song Ronggui trading profits of more than 21 million money designated to go and ask the court to revoke the Song Ronggui 126 pen gold trading transactions.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
However, Song Ronggui trading system provided by ICBC, in accordance with the normal telephone voice prompts step-by-step, there is no irregularities. Select higher or lower than the reference price of the transaction price of gold reference provided by the Bank, in line with trading rules, the Jinan LUOYUAN ICBC not have the right to revoke the transaction is completed the sale of gold. Song Ronggui the bank to court, but banks counterclaim on grounds of illegal profits.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
Drilling system vulnerabilities6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
Sentenced to unjust enrichment6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
Central Plains defendant of the case the focus of debate between the two sides, one is the status of banks in the transaction process of "paper gold" is the intermediary platform, or participate in the trading parties.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
The Court concluded that, each a "paper gold transactions are banks and Song Ronggui transactions directly between the parties occurred, not through a third party to assist in the completion, the banks are not intermediaries but a party transactions between the Bank and the Song Ronggui" paper gold transaction contract is the contract for the sale of banks as parties to the contract is entitled to exercise the right to revoke. Another focus of the case, Song Ronggui in just ten days to earn more than 2100 million in the end is a legitimate trading or unjust enrichment.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
A judge found that Song Ronggui between June 29, 2006 to July 8, is called "stop loss order" 65 pen purchase transaction, and commissioned the purchase price set below the prevailing the bank offer, in violation of trading rules. In fact, bank trading system should be made to the judge refused to accept the transaction, but because of the loopholes, not to make the right judgment, cause Song Ronggui transaction is not found, The Song Ronggui is the drilling system empty.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
In September 2010, the Jinan Intermediate People's Court according to law judgment of first instance to support the bank withdrew the claim of 126 transactions. Song Ronggui refused to accept the judgment of first instance, appeal to the Higher People's Court of Shandong Province. Recently, Shandong Provincial High Court made dismiss the appeal and upheld the final judgment.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
□ "golden case" the whole story6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
May 30, 2006, Song Ronggui ICBC to open a personal gold trading account.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
June 29, 2006, Song Ronggui below the market price of gold trading success.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
July 8, 2006, Song Ronggui buy and sell a total of transactions 126 pen a profit of more than 2100 million.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
July 12, 2006, ICBC notified Song Ronggui to check your account.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
July 13, 2006, bank detain Song Ronggui Song Ronggui forced to report the loss to the bank card.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
August 3, 2006, Song Ronggui receipt of the notification to huge gains have been planning to go.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
April 17, 2007, Song Ronggui ICBC to court, after the bank counterclaim.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
April 11, 2008, "China's gold case first instance court in Jinan Intermediate People's Court.6G9Rainbow Mandarin 彩虹汉语
6G9Rainbow Mandarin 彩虹汉语
In September 2010, the Jinan Intermediate People's Court of first instance verdict to support the bank withdrew the claim of 126 transactions6G9Rainbow Mandarin 彩虹汉语