The People's Court of Shanyang District of Jiaozuo City found through trial that on June 5438+ 10, 2007, the defendant Liang colluded with Yang and Zhang (handled separately) to defraud a credit cooperative in a certain district of Jiaozuo City for personal use. The three men found a false guarantor and the defendant Zhang Moumou, who worked in a school office in Jiaozuo City, provided him with proof of the work and salary of the false guarantor. After obtaining the false guarantee certificate of Ma, a policeman from Yangcheng Public Security Bureau of Jiaozuo City, and the false building material renovation contract signed by Liang and Jiaozuo Dinghao Decoration Co., Ltd., he signed a one-year personal guarantee loan contract with Baijianfang Credit Cooperative of a certain district credit union in Jiaozuo City on June 5438+1October 3 1 2007 to defraud the loan. Defendant Wang, a loan officer of Baijianfang Credit Union in a certain district of Jiaozuo City, and defendant Zhao, who was then the business director of the credit union, violated state regulations and went through the loan procedures for Liang without careful examination and granted the defendant a loan of 200,000 yuan. Defendants Liang and Zhang used the loan respectively and never returned it. On June 5438+065438+ 10, 2009, when Wang Moumou, who was fraudulently used as a deposit, went to the bank for a loan, the staff claimed that his loan was 2 10000 yuan, which had a bad record. It is recorded that Baijianfang Credit Cooperative in a certain district of Jiaozuo guaranteed 2 1 10,000 yuan for others (defendant Liang). However, Wang and the defendant Liang did not know each other and did not guarantee the loan to anyone. Since then, Wang Moumou went to Baijianfang Credit Union, a credit union in a certain district of Jiaozuo City, to discuss the argument. After several unsuccessful attempts, he reported the case to the public security organ.