[EN] Conspiracy to make bogus hire purchase loans https://hkbedc.icac.hk/en/resources/case_studies/25 Intro: To meet sales quota, a sales executive of a finance company conspired with a machine supplier, by turning a blind eye to the false invoices during a loan application. https://hkbedc.icac.hk/cache/img/a2071429076e88c92d694a223f00b60c.jpg [ZH-HANT] 串謀偽造文件騙取租購貸款 https://hkbedc.icac.hk/zh-hant/resources/case_studies/25 Intro: 為了達到銷售指標，一間財務公司的銷售主管與一名機器供應商合謀，對他們在申請貸款時提交的虛假發票視而不見。 https://hkbedc.icac.hk/cache/img/a2071429076e88c92d694a223f00b60c.jpg [ZH-HANS] 串谋伪造文件骗取租购贷款 https://hkbedc.icac.hk/zh-hant/resources/case_studies/25 Intro: 为了达到销售指标，一间财务公司的销售主管与一名机器供应商合谋，对他们在申请贷款时提交的虚假发票视而不见。 https://hkbedc.icac.hk/cache/img/a2071429076e88c92d694a223f00b60c.jpg

[EN] Offering an advantage to obtain business is in breach of the law https://hkbedc.icac.hk/en/resources/case_studies/189 Intro: Ken was a bank manager. In order to boost his work performance, he proposed to offer commissions to a property agent who agreed to refer clients to apply for mortgage loans through him. https://hkbedc.icac.hk/cache/img/eb9d90d93c400b8ad1ed96290bd97d08.jpg [ZH-HANT] 提供利益以招攬生意屬犯法行為 https://hkbedc.icac.hk/zh-hant/resources/case_studies/189 Intro: 立仁是銀行經理，為了提高工作表現，他向一名地產經紀提出給予對方回佣，作為對方介紹客戶向他申請按揭。 https://hkbedc.icac.hk/cache/img/eb9d90d93c400b8ad1ed96290bd97d08.jpg [ZH-HANS] 提供利益以招揽生意属犯法行为 https://hkbedc.icac.hk/zh-hant/resources/case_studies/189 Intro: 立仁是银行经理，为了提高工作表现，他向一名地产经纪提出给予对方回佣，作为对方介绍客户向他申请按揭。 https://hkbedc.icac.hk/cache/img/eb9d90d93c400b8ad1ed96290bd97d08.jpg

[EN] Personal relationship taking a higher priority https://hkbedc.icac.hk/en/resources/case_studies/179 Intro: Nancy, a bank administration manager, awarded a small scale renovation project to an interior decoration company owned by her brother without disclosing their relationship to the bank. https://hkbedc.icac.hk/cache/img/67b5b6b8b27c5a9750a10cdd1d646280.jpg [ZH-HANT] 假公濟私 https://hkbedc.icac.hk/zh-hant/resources/case_studies/179 Intro: 銀行行政經理慧芬向弟弟開設的室內設計公司批出小型翻新工程，但沒有向銀行透露二人的關係。 https://hkbedc.icac.hk/cache/img/67b5b6b8b27c5a9750a10cdd1d646280.jpg [ZH-HANS] 假公济私 https://hkbedc.icac.hk/zh-hant/resources/case_studies/179 Intro: 银行行政经理慧芬向弟弟开设的室内设计公司批出小型翻新工程，但没有向银行透露二人的关系。 https://hkbedc.icac.hk/cache/img/67b5b6b8b27c5a9750a10cdd1d646280.jpg

[EN] Accepting special discount from client https://hkbedc.icac.hk/en/resources/case_studies/182 Intro: Alan operated a car rental company and had insured all his cars with Bryan, a manager of a bank's insurance department. Without the bank’s approval, Bryan bought an “old” car from Alan at a low price. https://hkbedc.icac.hk/cache/img/d31de42a6b1a1ce61ed07287b6a75da2.jpg [ZH-HANT] 接受客戶特別優惠 https://hkbedc.icac.hk/zh-hant/resources/case_studies/182 Intro: 文強是一家租車公司的老闆，公司所有的汽車保險均向銀行保險經理振邦購買；振邦卻在未經銀行許可下，以低價向文強購買了一輛「舊」車。 https://hkbedc.icac.hk/cache/img/d31de42a6b1a1ce61ed07287b6a75da2.jpg [ZH-HANS] 接受客户特别优惠 https://hkbedc.icac.hk/zh-hant/resources/case_studies/182 Intro: 文强是一家租車公司的老板，公司所有的汽車保险均向银行保险经理振邦购买；振邦却在未经银行许可下，以低价向文强购买了一辆「旧」車。 https://hkbedc.icac.hk/cache/img/d31de42a6b1a1ce61ed07287b6a75da2.jpg

[EN] Circulation of inside information within the institution https://hkbedc.icac.hk/en/resources/case_studies/184 Intro: Kim, a bank’s senior credit officer, disclosed the proposed acquisition of an overseas investment company to a trader in the bank’s stock broking section. The trader bought a major block of shares for the bank after the “tip-off”. https://hkbedc.icac.hk/cache/img/01cc8000641ab8a1fda3a92215e4ad11.jpg [ZH-HANT] 於銀行內部披露內幕消息 https://hkbedc.icac.hk/zh-hant/resources/case_studies/184 Intro: 銀行高級信貸主任家衡向股票投資部的交易員披露了一宗海外投資公司的收購計劃，在收到「提示」之後，該交易員為銀行大手買入有關股票。 https://hkbedc.icac.hk/cache/img/01cc8000641ab8a1fda3a92215e4ad11.jpg [ZH-HANS] 于银行内部披露内幕消息 https://hkbedc.icac.hk/zh-hant/resources/case_studies/184 Intro: 银行高级信贷主任家衡向股票投资部的交易员披露了一宗海外投资公司的收购计划，在收到「提示」之后，该交易员为银行大手买入有关股票。 https://hkbedc.icac.hk/cache/img/01cc8000641ab8a1fda3a92215e4ad11.jpg

[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