[EN] Offering or accepting a bribe are both offences in law https://hkbedc.icac.hk/en/resources/case_studies/196 Intro: A director of a finance company offered rebates to the credit manager of a bank for increasing the company’s credit limit. Credits were granted even though the director could not provide sufficient collateral to support his applications. https://hkbedc.icac.hk/cache/img/eab763ab2962f3ea3159e29dcd422fd9.jpg [ZH-HANT] 行賄、受賄同樣犯法 https://hkbedc.icac.hk/zh-hant/resources/case_studies/196 Intro: 一名財務公司董事向銀行的信貸經理提供回佣以求增加公司的信貸額。即使該董事不能提供足夠抵押，銀行仍批出信貸。 https://hkbedc.icac.hk/cache/img/eab763ab2962f3ea3159e29dcd422fd9.jpg [ZH-HANS] 行贿、受贿同样犯法 https://hkbedc.icac.hk/zh-hant/resources/case_studies/196 Intro: 一名财务公司董事向银行的信贷经理提供回佣以求增加公司的信贷额。即使该董事不能提供足够抵押，银行仍批出信贷。 https://hkbedc.icac.hk/cache/img/eab763ab2962f3ea3159e29dcd422fd9.jpg

[EN] Bribery still exists though purpose not achieved https://hkbedc.icac.hk/en/resources/case_studies/7 Intro: Mr Lee had a chain of several karaoke restaurants in Guangdong. He offered lavish entertainment and red packet to Mr Cheung, a bank staff of the loans department, during the site inspection of the karaoke restaurants. https://hkbedc.icac.hk/cache/img/e7b66fcdee9f1c98b7e8d86394bb2923.jpg [ZH-HANT] 提供利益目的未達亦屬違法 https://hkbedc.icac.hk/zh-hant/resources/case_studies/7 Intro: 李先生在廣東開設了多間卡拉OK連鎖店。銀行貸款部門員工張主任檢查其店舖時，李先生向他提供了奢華款待和利是。 https://hkbedc.icac.hk/cache/img/e7b66fcdee9f1c98b7e8d86394bb2923.jpg [ZH-HANS] 提供利益目的未达亦属违法 https://hkbedc.icac.hk/zh-hant/resources/case_studies/7 Intro: 李先生在广东开设了多间卡拉OK连锁店。银行贷款部门员工张主任检查其店铺时，李先生向他提供了奢华款待和利是。 https://hkbedc.icac.hk/cache/img/e7b66fcdee9f1c98b7e8d86394bb2923.jpg

[EN] The Invisible stealing hand https://hkbedc.icac.hk/en/resources/case_studies/177 Intro: A junior computer operator of a bank applied his computer knowhow to transfer money from inactive accounts for his personal use. The crime was discovered when another staff took over his work during his sick leave. https://hkbedc.icac.hk/cache/img/d5577f07770e96843ad0cc36fa76a8b4.jpg [ZH-HANT] 無影小手 https://hkbedc.icac.hk/zh-hant/resources/case_studies/177 Intro: 一家銀行的初級電腦操作員利用電腦知識將非活躍戶口的金額轉賬到自己名下。其罪行最終在他的病假期間被其他接管他工作的同事揭發。 https://hkbedc.icac.hk/cache/img/d5577f07770e96843ad0cc36fa76a8b4.jpg [ZH-HANS] 无影小手 https://hkbedc.icac.hk/zh-hant/resources/case_studies/177 Intro: 一家银行的初级电脑操作员利用电脑知識将非活跃户口的金额转账到自己名下。其罪行最终在他的病假期间被其他接管他工作的同事揭发。 https://hkbedc.icac.hk/cache/img/d5577f07770e96843ad0cc36fa76a8b4.jpg

[EN] Bribery and collusion with third party for favour in mortgage loan application https://hkbedc.icac.hk/en/resources/case_studies/15 Intro: A manager of a finance company accepted commission via his wife from a property developer as a reward for favourably recommending a loan proposal. To facilitate the approval of the loan, the manager bribed a valuer of a property valuation agency to inflate the collateral value in the report. https://hkbedc.icac.hk/cache/img/759fb13c53bafb3c98f849ae9ab4ea10.jpg [ZH-HANT] 行賄及串同第三者以獲得按揭貸款申請的優待https://hkbedc.icac.hk/zh-hant/resources/case_studies/15 Intro: 一名財務公司經理透過妻子收取物業發展商的佣金，作為協助申請貸款的報酬。 為了便於批准貸款，經理更賄賂一間測量師行的估價員，從而加大抵押品的估值。 https://hkbedc.icac.hk/cache/img/759fb13c53bafb3c98f849ae9ab4ea10.jpg [ZH-HANS] 行贿及串同第三者以获得按揭贷款申请的优待https://hkbedc.icac.hk/zh-hant/resources/case_studies/15 Intro: 一名财务公司经理透过妻子收取物业发展商的佣金，作为协助申请贷款的报酬。 为了便于批准贷款，经理更贿赂一间测量师行的估价员，从而加大抵押品的估值。 https://hkbedc.icac.hk/cache/img/759fb13c53bafb3c98f849ae9ab4ea10.jpg

[EN] Bribery for loan extension https://hkbedc.icac.hk/en/resources/case_studies/16 Intro: A senior bank manager accepted expensive gifts from a corporate client as a reward for assisting the client in securing the extension of loan repayment for a few times. https://hkbedc.icac.hk/cache/img/a5cd5da2a1163736cb83341b1a72e86a.jpg [ZH-HANT] 行賄以獲得延期還款 https://hkbedc.icac.hk/zh-hant/resources/case_studies/16 Intro: 一位高級銀行經理接受公司客戶的昂貴禮物作為幫助客戶多次延長還款到期日的報酬。 https://hkbedc.icac.hk/cache/img/a5cd5da2a1163736cb83341b1a72e86a.jpg [ZH-HANS] 行贿以获得延期还款 https://hkbedc.icac.hk/zh-hant/resources/case_studies/16 Intro: 一位高级银行经理接受公司客户的昂贵礼物作为帮助客户多次延长还款到期日的报酬。 https://hkbedc.icac.hk/cache/img/a5cd5da2a1163736cb83341b1a72e86a.jpg

[EN] Misuse of vulnerable customers' funds https://hkbedc.icac.hk/en/resources/case_studies/18 Intro: A relationship manager of a bank wrongly executed a client's investment instruction leading to a loss. To cover up, he transferred money from an account of an elderly client by using the signed blank instruction form entrusted to him and forging bogus deposit advices to deceive the elderly client. https://hkbedc.icac.hk/cache/img/15a3dbfe5ddc0704d1db86bcfdc7c4be.jpg [ZH-HANT] 濫用高風險社群客戶的資金 https://hkbedc.icac.hk/zh-hant/resources/case_studies/18 Intro: 一名銀行客戶經理錯誤執行客戶的投資交易指示導致損失。 為了掩飾，客戶經理利用另一年長客戶給他的空白指示表格，從其定期存款帳戶中轉移資金，並偽造虛假定期存款通知書以欺騙該客戶。 https://hkbedc.icac.hk/cache/img/15a3dbfe5ddc0704d1db86bcfdc7c4be.jpg [ZH-HANS] 滥用高风险社群客户的资金 https://hkbedc.icac.hk/zh-hant/resources/case_studies/18 Intro: 一名银行客户经理错误执行客户的投资交易指示导致损失。 为了掩饰，客户经理利用另一年长客户给他的空白指示表格，从其定期存款帐户中转移资金，并伪造虚假定期存款通知书以欺骗该客户。 https://hkbedc.icac.hk/cache/img/15a3dbfe5ddc0704d1db86bcfdc7c4be.jpg

[EN] Accepting reward without principal's permission https://hkbedc.icac.hk/en/resources/case_studies/19 Intro: A relationship manager of a bank was rewarded with monetary bonuses by an acquainted client for providing him favours such as offering latest investment information and executing investment transaction in first priority. https://hkbedc.icac.hk/cache/img/a9dfc2f08d449f2a66bebcbac3fda9ad.jpg [ZH-HANT] 未經主事人許可接受報酬 https://hkbedc.icac.hk/zh-hant/resources/case_studies/19 Intro: 銀行客戶經理為一位相熟客戶優先提供投資信息和執行其投資交易，並獲得該客戶的獎賞作報酬。 https://hkbedc.icac.hk/cache/img/a9dfc2f08d449f2a66bebcbac3fda9ad.jpg [ZH-HANS] 未经主事人许可接受报酬 https://hkbedc.icac.hk/zh-hant/resources/case_studies/19 Intro: 银行客户经理为一位相熟客户优先提供投资信息和执行其投资交易，并获得该客户的奖赏作报酬。 https://hkbedc.icac.hk/cache/img/a9dfc2f08d449f2a66bebcbac3fda9ad.jpg

[EN] Bribery during site inspection https://hkbedc.icac.hk/en/resources/case_studies/20 Intro: A senior credit manager and a credit manager noticed that the production equipment was out-dated during an inspection at a factory in Guangdong. The factory owner then offered them expensive watches and requested for a favour. https://hkbedc.icac.hk/cache/img/4765a11136753cfc471453f8755a326a.jpg [ZH-HANT] 實地視察期間受賄 https://hkbedc.icac.hk/zh-hant/resources/case_studies/20 Intro: 一高級信貸經理及一信貸經理在審查內地一廠房時發現生產設備陳舊，工廠東主於是送給他們昂貴手錶以取得協助。 https://hkbedc.icac.hk/cache/img/4765a11136753cfc471453f8755a326a.jpg [ZH-HANS] 实地视察期间受贿 https://hkbedc.icac.hk/zh-hant/resources/case_studies/20 Intro: 一高级信贷经理及一信贷经理在审查内地一厂房时发现生产设备陈旧，工厂东主于是送给他们昂贵手表以取得协助。 https://hkbedc.icac.hk/cache/img/4765a11136753cfc471453f8755a326a.jpg

[EN] Bribery for assistance in money laundering https://hkbedc.icac.hk/en/resources/case_studies/21 Intro: A bank manager, without the permission of the bank, accepted commission from a client as a reward for helping the client to perform suspicious transactions through an SME’s inactive account. https://hkbedc.icac.hk/cache/img/708dab1f34c37ea592daf170c4dfbda7.jpg [ZH-HANT] 協助清洗黑錢 https://hkbedc.icac.hk/zh-hant/resources/case_studies/21 Intro: 銀行經理未經銀行許可，接受客戶的佣金，協助對方利用不活躍戶口進行可疑轉賬。 https://hkbedc.icac.hk/cache/img/708dab1f34c37ea592daf170c4dfbda7.jpg [ZH-HANS] 协助清洗黑钱 https://hkbedc.icac.hk/zh-hant/resources/case_studies/21 Intro: 银行经理未经银行许可，接受客户的佣金，协助对方利用不活跃户口进行可疑转账。 https://hkbedc.icac.hk/cache/img/708dab1f34c37ea592daf170c4dfbda7.jpg

[EN] Administration of renovation contract in the Mainland https://hkbedc.icac.hk/en/resources/case_studies/22 Intro: A project manager of a bank accepted entertainment and free trips in the Mainland from the Mainland contractor. In return, he made a recommendation to the bank’s head office in Hong Kong to accept the contractor's substandard works and employed the same contractor to renovate other branches. https://hkbedc.icac.hk/cache/img/58875e1e0a4a7eb58555b5f0bf201921.jpg [ZH-HANT] 內地翻新工程合約的管理 https://hkbedc.icac.hk/zh-hant/resources/case_studies/22 Intro: 銀行經理在內地接受一承辦商的款待和免費旅行。 其後，他向銀行香港總部建議接納該承辦商不合符標準的工程，並僱用該承辦商翻新其他分行。 https://hkbedc.icac.hk/cache/img/58875e1e0a4a7eb58555b5f0bf201921.jpg [ZH-HANS] 内地翻新工程合约的管理 https://hkbedc.icac.hk/zh-hant/resources/case_studies/22 Intro: 银行经理在内地接受一承办商的款待和免费旅行。 其后，他向银行香港总部建议接纳该承办商不合符标准的工程，并雇用该承办商翻新其他分行。 https://hkbedc.icac.hk/cache/img/58875e1e0a4a7eb58555b5f0bf201921.jpg