The case happened on 20 17. At that time, Hubei Xiaojin Company signed a cooperation agreement with Ding Xin (Beijing) Asset Management Co., Ltd. (hereinafter referred to as Ding Xin Company), stipulating that Ding Xin Company would recommend borrowers who met the credit policy for Xiaojin Company. Ding Company then found Xu Mouhui and Dong Mouhui as secondary agents to promote the loan business of Hubei Xiaojin Company in Heilongjiang.
According to the judgment, Xu Mohui and Dong Mohui established tieli city Huijin Agricultural Technology Co., Ltd. (hereinafter referred to as Huijin Company) and hired them to work. The three of them searched for farmers in tieli city and surrounding areas through intermediaries. After the loan is successful, they pay benefits to the intermediary and farmers, promise farmers not to undertake repayment obligations and collect farmers' information.
After receiving the information, Xu and Dong Mouhui instructed to forge agricultural materials, real estate photos, land contracts and other loan materials. And made a false pre-loan investigation report and submitted it to Ding Xin Company, which recommended the information to Hubei Xiaojin Company to apply for a loan.
In fact, the loan applicant only charges the benefit fee, and all loans are divided up by Xu and others. During the period from 20 17 to 10, Xu and other three people used the false information of 2 1 farmers to defraud the consumer finance company of 2.53 million yuan by the above means.
There is something fishy about the channel company.
During the trial of the case, many details of fraud committed by Xu and others were exposed, revealing how the channel companies of consumer finance companies "cashed out" loans step by step.
Xu said that he learned from friends that the company can do loan business and intends to recruit franchisees. Yuan Mou, the chairman of Ding Company, agreed with him to pay an initial fee of 654.38 million yuan, and he went to the countryside to find people with loan needs. After the data was collected, the mailbox was sent to Yuan. After the loan is successful, Yuan pays a benefit fee of three thousandths of each loan amount.
However, when it was implemented later, Xu did not seriously look for the real loan demanders, but cheated through the above methods. Because Hubei Xiaojin Company implements the "loan for benefiting farmers", only farmers can apply. Xu and others will look for farmers who don't have loan records, promise a benefit fee ranging from 5,000 yuan to 20,000 yuan to obtain information, or give 10% of the loan amount to an intermediary as a benefit fee, and the intermediary will ask farmers to help defraud the loan.
Knowing that the loan was fake, Ding Company withheld 30% of the money for personal use, and Xu Mouhui and others withheld 60% of the remaining loan. According to the judgment, 60% of the loans controlled by Xu Mohui and others were mainly used to open prefabricated board factories and rabbit farms, and all of them lost money in the end.
The audit mechanism of Hubei Xiaojin Company is absent.
Hubei Xiaojin Company will review the loan information received from Ding Xin Company. Why didn't it find any problems? Company employees gave the answer.
Employees of Hubei Xiaojin Company pointed out that the main content of cooperation between Ding Xin Company and Hubei Xiaojin Company is that Ding Xin Company promotes personal consumption loan business for the company through its own channels and recommends qualified loan applicants to the company. The process is that Ding Xin Company sends people to look for customers with loan needs in Northeast China. They come to collect customer information and verify the authenticity, and issue a loan investigation report to the company for review.
Through the statements of employees of Hubei Xiaojin Company, it can be found that the channel company is not only responsible for finding the lender, but also for verifying the authenticity of the loan. This is like the referee kicking a ball, and the channel company can tell whether it is a "goal". This model leads to consumer finance companies becoming "cash machines" once channel companies deliberately conceal the truth.
The employee said that due to the serious overdue phenomenon after the loan, Hubei Xiaojin Company sent a working group to collect it. In the process of collection, it was found that most of the customer loan information was false, and finally it was found that Ding Xin Company and Xu Mouhui and others defrauded the loan by "pulling people's heads".
After investigating the truth, Hubei Xiaojin Company was reestablished.
20 19 12, Wuchang District People's Court of Wuhan sentenced three people to many years in prison 1 1 year and fined 1 ten thousand yuan; Dong Mohui was sentenced to 7 years in prison and fined 60,000 yuan; Sun was sentenced to 5 years in prison and fined 50,000 yuan. Xu Mohui and Dong Mohui refused to accept the judgment and appealed, which was rejected by Wuhan Intermediate People's Court and upheld the original judgment.
Related questions and answers: