2. Bragging: At that time, we called, and the other party was very enthusiastic, saying that all walks of life can finance, with collateral debt mortgage financing, without collateral, and with equity as pledge financing, the amount is high, the interest is low, and there is no cost in the early stage. Let us rest assured.
The swindler said that because he didn't know the project situation, the legal representative of the financing project party should bring basic company information such as business license, tax registration certificate and articles of association, and collateral information such as real estate license, land certificate, mining certificate and forest right certificate to the company to show sincerity.
The boss of our company was very happy. He flew there. After arriving at the company, the swindler asked the people in the investment department to tell you the successful case of the swindler company. The information of successful cases includes loan contracts, loan vouchers, etc. These are all copies, which were later proved to be forged. Then talk to us about the advantages and disadvantages of the project, and it is agreed that our project meets the financing requirements, the interest rate has floating space, and the quota may be raised. 3. Cheat detection fee: At this time, the liar said that we have many projects here that need loans. In order to show sincerity, the project party should sign an invitation letter, that is, invite the liar to visit. The inspection fee is 30,000-50,000, which is transportation expenses such as air tickets. If the project party has doubts, the swindler will say, I will lend you money, or even let us subsidize the air tickets, and we will quit. There are many places that need money, and we don't charge inspection fees for some projects. The project is too poor and risky, and even the plane ticket is unwilling to pay. Besides, the money will offset the interest. No way, our enterprise is eager for financing, so we have to pay the money and sign the inspection invitation contract.
4. Pretend to investigate: After 3 or 4 days, the swindler informed us to go to the project site tomorrow. Please receive us. Two or three people came the next day, swaggering and pretending, looking at the original company license, and then taking pictures. Then go to the project, click on the photo, ask around and pretend to investigate deeply. Then go to the company to talk to the finance and supervisor, and occasionally ask some sharp questions, which makes us extremely nervous. The rest of the time is to eat, and then ask to go to the nightclub to sing to find a lady. Stay in a good hotel. When we broke up the next day, the swindler affirmed that the project was good and the financing was more likely to succeed. I want it when I'm leaving. A few people worked so hard. When I go back, I have to sort out the materials, write the report materials and do PPT to see if we can get some local products with two cigarettes. At this time, the enterprise could not refuse, so the liar succeeded.
5. Public relations: Two or three days later, the funder called and said that the shareholders of this project were optimistic, and all departments also made preliminary communication, asking the project owner and shareholders to hold a meeting in Chengdu to hold a loan review meeting. The time has been determined and cannot be changed. Our boss was overjoyed and rushed to Chengdu. The loan review meeting is held in various ways. First, the project party introduced PPT, then the investor introduced PPT, and then the financial, legal, investment, risk control and shareholder representatives of the investor raised sharp questions, which were explained by the project party. Finally, a vote was taken, and most people raised their hands in favor and a few raised their hands against it. The loan review meeting is over. What the investor can say at this time is that you are still optimistic about the shareholders of this project, but there are flaws. Some departments have objections, which is normal. You are responsible for the safety of funds and shareholders. Now we must gag our opponents. We asked how to gag them. He said: eight or nine departments, one department buys five or six cigarettes, and then takes the chairman and shareholders out for dinner in the evening. All departments get together, put the problems on the table and improve the solutions. It is always more difficult than the method. No way, I was anxious for financing, bought 50 thousand yuan of cigarettes, and spent less than half an hour in public relations. All departments unanimously agreed that the liar company gave a red tape and approved the loan.
6. Cheat on eating, cheating on drinking and whoring: the chairman, shareholders and heads of various departments of the investor cheat on eating and drinking at night, and pretend to invite the chairman and shareholders to have dinner with them, eat and drink delicacies and drink good wine. A group of people at the dinner table said that the list had been made and the shareholders pretended to control the risks. After dinner, a group of people are going to a nightclub to sing and celebrate. Although we feel helpless, we have to bite the bullet and accept it. The place where they sing is their base, and everyone who sings with them knows each other. Halfway through the song, Mommy came over and said that the bosses would take the young ladies to check in, each at 3,000 yuan. We became suspicious and asked the swindler to lead the team, saying it was the boss's request. No choice but to pay the bill, so singing and eating 65438+ 10,000 yuan is gone.
7. An insidious trick-interest management: The next day, the swindler informed the company to sign the loan mortgage contract, which is a general fraud version that has already been drawn up, just fill in the name, amount, etc. After the contract was signed, another trick was found-interest management. The swindler said: State bank funds are used first, then interest is paid, and private funds are paid first, which not only tests the interest-paying ability of enterprises, but also tests their financing ability. For the sake of fairness, one project party and one fund party open an account in the bank, and the project party is responsible for the passbook, card and password, and the fund party only plays a supervisory role, and the fund party does not take the money away. Pay three months' interest to the * * * management account first. When the project party thinks that the contract has been signed and the passbook, card and password are in their own hands, they can safely pay the interest to the * * * management account.
8. Contract Trap: Because there is a huge fraud market in Chengdu, there are only two bosses behind many fraud companies, so the contract versions of fraudsters are highly consistent, showing the following characteristics: ① Make full use of customers who are unfamiliar with land and real estate mortgage policies and regulations and do not understand the mortgage process!