這起新聞事件在香港社會引起極大震動，不僅因為涉案金額龐大、涉事人物身份特殊，更因為背後牽扯出極具爭議的灰色產業鏈。事件的核心人物是瑞銀集團前副總監孫健榮。根據報導，他在2016年至2018年間，以「協助內地客戶跨境匯款」為名，私吞約1.34億港元。香港法院最終裁定他洗錢罪名成立，判處10年監禁，並終身禁止重返銀行業。

這起案件的發展可追溯到 014年。當時孫健榮是南京籍客戶於某及其妻子樓某在瑞銀的聯名帳戶顧問。這對夫婦於2013年移居香港，取得香港身份證。2016年10月，於某抱怨從內地匯款到香港過於麻煩。孫健榮遂提出「替代方案」：讓於某將資金存入他指定的內地銀行帳戶，再透過表姐的帳戶將資金轉入瑞銀帳戶。於某同意後，從2016年11月至2018年2月，短短14個月內，於某依指示進行37次交易，共計存入 1.32 億人民幣 29個內地帳戶。

然而，實際上最終流入於氏夫婦香港帳戶的僅有2000萬港元，其餘1.25億港元全數落入孫健榮口袋。為掩人耳目，他偽造影像與銀行對帳單，讓客戶誤以為資金已順利入帳。案情在2018年6月曝光。孫健榮辭職後，新任職員交接時，於氏夫婦發現帳戶少巨額資金，當面質問卻遭推託。隨後瑞銀分行職員報警，孫健榮當場被捕。調查揭露，他在倫敦名下竟擁有27處房產，名車庫裡停滿法拉利、蘭博基尼、保時捷等豪車，數量達6輛。然而，他2014至2018年報稅的總收入僅400萬港元，完全不足以支撐如此奢華的生活。

耐人尋味的是，孫健榮並未選擇攜款潛逃，反而留在香港，任由調查機構順藤摸瓜，查出與受害者損失金額相當的資產。這引發外界猜測：一種說法認為，他可能不止侵吞一名客戶的資金，其他受害者因各種原因無法公開追討；另一種則認為，他清楚這些客戶的身份背景，知道對方不敢追究。案件的另一個驚人轉折，是所謂的「受害人」背景。香港法院文件披露，於某實際上在內地經營賣淫團伙，並於2020年在南京因組織賣淫被定罪，因此無法在香港出庭作證。換言之，這筆被侵吞的巨款本身來源就極不光彩。孫健榮則聲稱，他對於某從事非法活動一事並不知情。

整個事件堪稱一場黑色諷刺劇：一位瑞銀副總監，藉職務之便偽造文件，吞下上億元巨資；一對表面上是投資客的富裕夫婦，實則靠非法賣淫產業發家；最終，銀行專業人士鋃鐺入獄，而涉案金主因自身罪行曝光，也在內地被判刑。這不僅揭露跨境金融與地下經濟的灰色角落，更讓人見識到金錢遊戲背後的巨大風險與荒誕。

This case shocked Hong Kong society not only because of the staggering amount of money involved and the high position of the perpetrator, but also because it eventually revealed the murky connections with underground industries.

The key figure was Sun Jianrong, a former deputy director at UBS. Between 2016 and 2018, under the pretense of “helping mainland clients transfer funds across the border,” he embezzled around HK$134 million. A Hong Kong court later found him guilty of money laundering, sentencing him to 10 years in prison and permanently banning him from returning to the financial industry.

The story began in 2014. At that time, Sun was the client advisor for a joint UBS account belonging to a mainland couple, Yu and his wife, Lou. The couple had moved from Nanjing to Hong Kong in 2013 and obtained Hong Kong identity cards. In October 2016, Yu complained about the difficulty of wiring money from the mainland to Hong Kong. Sun proposed an “alternative arrangement”: Yu would deposit funds into mainland accounts designated by him, and Sun would then use his cousin’s account to transfer the funds into the couple’s UBS account. Yu agreed. Between November 2016 and February 2018, over just 14 months, Yu followed Sun’s instructions, making 37 transactions totaling 132 million yuan into 29 different mainland bank accounts.

In reality, only HK$20 million ever reached the couple’s UBS account. The remaining HK$125 million ended up in Sun’s own pocket. To maintain the deception, he fabricated images and bank statements to make the couple believe the transfers were complete.

The scheme unraveled in June 2018. After Sun resigned, a new employee took over his accounts. Yu and Lou discovered a huge shortfall and confronted Sun, who initially blamed “handover issues” and later claimed the funds had been placed in another account—one that UBS confirmed did not exist. When the couple went to the UBS branch to demand answers, staff alerted police, and Sun was arrested on the spot.

Investigators soon uncovered jaw-dropping details: Sun owned 27 properties in London, and his garage housed a fleet of luxury cars—including Ferraris, Lamborghinis, and Porsches, six in total. Yet his reported income between 2014 and 2018 was only HK$4 million, far from enough to sustain such an extravagant lifestyle.

Even more puzzling, Sun never fled. Most people who skim off over a hundred million would vanish into a small country with no extradition treaty. But Sun stayed in Hong Kong, leaving behind assets worth almost exactly the same as the stolen amount. This fueled speculation: either he had swindled more than one client, with other victims too compromised to speak out, or he knew his particular clients would not dare pursue him.

The most shocking twist came later. The so-called “victims” were not ordinary investors at all. Court documents revealed that Yu had in fact been running a prostitution syndicate in Nanjing, and in 2020 he was convicted on related charges in mainland China—preventing him from testifying in Hong Kong. Sun claimed he had no knowledge of Yu’s illegal activities.

The entire saga played out like a darkly ironic drama: a senior banker exploited his position to forge documents and pocket millions; a wealthy client couple, who appeared to be legitimate investors, turned out to have made their fortune from illegal prostitution; and in the end, the banker went to prison, while the so-called victims themselves were convicted criminals. The case not only exposed the risks hidden within cross-border finance but also highlighted the absurdity and danger behind the games of money and power.