一封在雅虎邮箱里收到的英文邮件 朋友们帮我翻译一下什么意思啊 越详细越好

Dear Friend, My name is Mr.Chen Ho,I am a staff of Bank of China, Our late client made a fixed deposit amount of $17,300,000, he did not declare any next of kin in any of his paper work, I want you as a foreigner to stand as the beneficiary to transfer this funds out of my bank into your account, after the successful transfer, we shall share in the ratio of 40% for you and 60% for me. I want to assure you that all is well planned as we shall do this inline with all legal and banking requirements. All I need from you is your willingness, trust and confidentiality so that we can work together to achieve success. Should you be interested please send me the required information to this my private mailbox below. chenbanofchinho@gmail.com 1, Full names, 2, private phone number, 3, current resident I hope to read from you shortly Kind Regards, Mr.Chen Ho.这是是借用你的账号转移资金，然后事成之后分你40%的收成，那我只告诉他账号也没有什么损失呀？这种人诈骗的目的是啥？求大神解答