In 20 17, Wang Tao made an illegal online loan in Hangzhou "Potato Monetary Asset Management Co., Ltd." and was forced to stop.
2065438+March 2008, Wang Tao and Lu Shu conspired to make huge profits through illegal online loan arbitrage.
Funded by Lu Shu, Yan Chao and others, Wang Tao and Huang Yuan are responsible for the overall management of the company. Wang Tao's criminal group has registered more than 20 shell online loan companies, and adopted a third-party trading platform to pay for the company's financial settlement. The actual office address is in Hangzhou, and companies such as the technical department, the Ministry of Commerce, the customer service department, and the personnel department have faked it.
In order to avoid tax risks and improve the payment rate. 2065438+April 2008, online lending companies signed agreements with 24 collection companies in Hefei, Shenzhen, Anhui, Shaanxi, Henan and other places to outsource the overdue part of illegal debts to collection companies.
From April, 20 18 to March, 20 19, Wang Tao criminal group signed more than 3.36 million loan contracts with more than 475,000 victims, including Yuan Mou and Bai Mou, with a total contract amount of 8.96 billion yuan. The actual loan amount totaled 6.27 billion yuan, and the repayment amount totaled 9654.38+0.10.00 billion yuan, defrauding others of 2.84 billion yuan.
As of the time of the crime, the book shows that the principal and interest have not been recovered, totaling 9.847 billion yuan, of which the actual loan amount is 654.38+0.47 billion yuan and the overdue interest is 8.377 billion yuan.
When the victims were unable to repay the huge amount of money such as beheading interest, overdue fee and extension fee, they used soft and violent illegal means such as insulting threats, sending PS obscene or cursing pictures to collect debts, and 89 people committed suicide.
On September 28th, 2020, Lanzhou Intermediate People's Court ruled in the first instance that Wang Tao, the principal offender, was sentenced to life imprisonment, deprived of his political rights for life and confiscated all his personal property. The remaining members of the 18 organization were sentenced to fixed-term imprisonment ranging from 20 years to 5 years respectively.
This case caused quite a stir for a time, the fundamental reason is that we can't tell which company is formal and which company is informal.
Then, we have some limitations on the use of loans, but what I want to say is that this "limitation" is correct.
If any company knows that there is something wrong with your credit information and is eager to lend you money, it is probably the liar himself.
So, how can we avoid such an incident from happening to us?
First, don't borrow money easily, especially those who are eager to give it to you.
We should all have encountered such advertisements or slogans, that is, we want to lend you money unconditionally. The fundamental reason is high interest and personal information.
Second, don't use a borrowing company other than a bank.
At present, there are many loan companies and their qualifications are not perfect. As long as you remember one thing, anyone who wants to lend you money in time is a liar.
Third, once your capital chain is disconnected, don't think about robbing Peter to pay Paul.
Some people find that their wages are not directly proportional to their consumption, so they plan to borrow some online loans and pay them back after they have paid their wages. But once you start like this, it will be terrible. You will find that no matter how you make up, there will always be loopholes.
Therefore, it is no longer the time to borrow money, even personal ability, nor the time to owe money, but also the time to pay it back.