Хас банкны теллер албан тушаалаа ашиглаж 105 780 000 төгрөг завшжээ

58e656829a12b6755a6f1eaa5b45a1c2Иргэд гэртээ бэлэн мөнгө хадгалснаас банк найдвартй хэмээн хадгалуулдаг. Харин та бидний итгэдэг банк теллертээ “хулхидуулж”   103 950 691 төгрөг  /нэг зуун гурван сая есөн зуун тавин мянга зургаан зуун ерэн нэгэн төгрөг арван таван мөнгө/-ийн хохирол амссан байх юм.

Монгол улсын иргэн М.М  нь Дорноговь аймгийн Сайншанд сумын нутаг дэвсгэрт үйл ажиллагаа явуулах “Хас банк’’-ний салбарт 2013 оноос 2016 оны хооронд теллерээр ажиллаж байхдаа албан тушаалын байдлаа ашиглаж, 105 780 000 төгрөг завшиж, их хэмжээний хохирол учруулсан байна. Тодруулбал, Хас банк 2011 оноос эхлэн “хадгаламжийн бэлгийн карт” гэх үйлчилгээ хэрэгжиж эхэлсэн байна. Дорноговь аймгийн Сайншанд сумын нутагт үйл ажиллагаа явуулдаг салбарт теллерээр ажиллаж байхдаа М.М нь харилцагч Хас банкин дээр дансандаа бэлэн мөнгө хийх гээд ирэхэд нь уг мөнгийг нь хийлгүй өөрөө авч оронд нь Хас банкны бэлгийн картны өглөгийн 5000424043 тоот данснаас мөнгө гаргаж дансанд хийдэг байсан. Мөн харилцагчийн нэр дээр данс нээгээд тэр дансанд нь бэлгийн картны өглөгийн данснаас мөнгө хийж өөрөө гаргаж авч байсан. Мөн ашигласан бэлгийн картыг дахин ашиглан мөнгө гарган авч байсан аж.  Олон удаагийн үйлдлээр Хас банкны бэлгийн картын үйлчилгээний 5000424043 тоот данснаас 138 100 000 төгрөгийг хувьдаа завшсан байж болзошгүй нөхцөл Хас банкны дотоод хяналт шалгалтаар илэрсэн байх юм.  М.М нь мөнгө завшсан гэдгээ хүлээн зөвшөөрсөн ч уг мөнгөн дүнг хүлээн зөвшөөрөхгүй гэсэн тул Хас банкны дотоод Аудитын газраас шалгалт хийхэд М.М  нь 2011 оны 10 дугаар сарын 01-ний өдрөөс 2016 оны 06 дугаар сарын 15-ныг хүртэлх хугацаанд Хас банкны бэлгийн картын өглөгийн 5000424043 тоот данснаас нийтдээ 172 690 000 төгрөгийн 499 ширхэг зарлагын гүйлгээ хийсэн байдаг. Үүнээс М.М нь 2013 оны 01 дүгээр сарын 07-ны өдрөөс 2016 оны 05 дугаар сарын 27-ны хооронд уг Хас банкны бэлгийн картын өглөгийн 5000424043 тоот данснаас нийтдээ 142 380 000 төгрөгийн 225 ширхэг гүйлгээг хувьдаа ашиглах зорилгоор харилцагчийн бэлгийн картын дугаар ашиглан мөнгө авсан, мөн харилцагчийн бэлгийн картын дугаарыг давхардуулан мөнгө авсан, мөн гүйлгээнд гаргаагүй бэлгийн картыг хуурамчаар гүйлгээнд гаргаж мөнгө авсан, мөн бэлгийн картын Хас банкны өглөгийн 5000424043 тоот данснаас ямар нэгэн бэлгийн картын дугаар хийлгүйгээр мөнгө авсан гэж дүгнэлт гаргасан байна.  Зөвхөн ганц теллерийн мөнгө завшсан энэ хэргээс Хас банк 142 380 000 төгрөгийн хохирол амссан байна.

Үйлдсэн хэргийнхээ талаар М.М  шүүхийн хэлэлцүүлэгт хийсэн хэргийнхээ талаар ийнхүү тайлбарласан байна.  “Ахлах теллер дээр бэлгийн карт байдаг. Бусад теллертээ тараагаад гүйлгээ хийдэг байсан. Бусдаар чамд тэдэн карт хариуцууллаа гэсэн зүйл байхгүй. Би анх мэдүүлэг өгөхдөө ойролцоогоор 40, 50 сая байгаа байх гэж байсан. Яагаад мөнгөн дүнгээ хүлээн зөвшөөрөхгүй шинжээч томилуулсан бэ гэхээр завшсан гэдгээ хүлээн зөвшөөрсөн ч тухайн үед бэлгийн картны борлуулалтыг бусад теллерүүддээ өгөөд гүйлгээ хийлгэхдээ ихэвчлэн над дээр ирж хийлгэдэг байсан. Бусад ажилчид ч бас ийм карт борлуулсан. Үүнд ийм ажиллагаа хийчих гээд ирдэг байсан болохоор зуун хэдэн сая төгрөг их байна гэхэд шинжээч томилуулах боломжтой гэж байсан. Би камерын бичлэг үзэх байдлаар шалгуулмаар байна. Над дээр илэрсэн ч гэсэн бусад ажилчид хийсэн байх боломжтой гэж хэлж байсан. Байцаагч удаа дараа авч үзээгүй” гэж мэдүүлсэн байна.

Тэгвэл энэ хэрэгт Шүүхийн шинжилгээний Үндэсний хүрээлэн, Монгол банк шинжээчээр ажиллаж дүгнэлт гаргасан байдаг. Өөрөөр хэлбэл Хас банкны теллерээр ажиллаж байсан  М.М нь хувьдаа мөнгө завшсан болохыг тогтоосон.

Хэргийг 2017.12.26-ны өдөр Дорноговь аймаг дахь сум дундын эрүүгийн хэргийн анхан шатны шүүхээр хэлэлцэж М.М нь гэм буруутай гэж үзсэн. Улмаар 5 жил зургаан сарын хорих ял оноож, 103 950 691 төгрөг 15 мөнгө / нэг зуун гурван сая есөн зуун тавин мянга зургаан зуун ерэн нэгэн төгрөг арван таван мөнгө / – ийг гаргуулж Хас банканд олгуулахаар болжээ.

Хэдийгээр энэ Хас банкны дотоод асуудал мэт харагдаж байгаа ч иргэд бид банк найдвартай гэж боддог. Харин найдвартай гэж боддог банк нь хүртэл теллертээ залилуулахаар бид хэндээ итгэж мөнгөө хадгалуулах вэ?

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