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. Subsequently, Ding Xin Company 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 Sun. The three men searched for farmers through intermediaries in tieli city and its surrounding areas, and paid benefits to the intermediaries and farmers after the loan was successful, and promised that farmers would not undertake repayment obligations and collect farmers' information.
After getting the information, Xu Mohui and Dong Mohui instructed Sun to forge loan information such as agricultural materials, real estate photos and land contracts. 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 the loans are divided up by Xu Mouhui and others. During the period of 20 17 and 10 to 12, Xu Mohui used the above means to defraud the consumer finance company of 2.53 million yuan by using the false information of 2 1 farmers.
Channel companies are "cunning"
During the trial of the case, many details of the fraud by Xu Mohui and others were exposed, revealing how the channel companies of consumer finance companies "cashed out" the loans step by step.
Xu Mouhui said that he learned from his friends that Ding Xin Company can do loan business and intends to attract franchisees. Yuan, the chairman of Ding Xin Company, agreed to pay an initial fee of 654.38+10,000 yuan to join the company, and went to the countryside to find people who needed loans. After data collection, Yuan passed it to Yuan. After the loan was successful, Yuan gave a benefit fee of three thousandths of each loan amount.
However, when it was implemented later, Xu Mohui did not seriously look for the real loan demanders, but defrauded through the above methods. Since the promotion end of Hubei Xiaojin Company is "Huinong Loan", only farmers can apply, so Xu Mouhui and others will look for farmers without loan records, and promise a benefit fee ranging from 5,000 yuan to 20,000 yuan to obtain information, or give the middleman 10% of the loan amount as a benefit fee, and the middleman will ask the farmers to help cheat the loan.
Knowing that the loan was a false loan, Ding Xin Company kept 30% of the withheld loan for its own use, and Xu Mouhui and others detained 60% of the remaining loan. According to the judgment, 60% of the loans controlled by Xu Mohui and others were mainly used to set up prefabricated board factories and rabbit farms, and both of them suffered losses.
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, collect customer information at home 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 a referee playing football, and you can use the words of the channel company to judge whether to "score". This model leads to that once channel companies deliberately conceal the truth, consumer finance companies will become "cash machines".
The employee said that due to the serious overdue phenomenon after the loan, Hubei Xiaojin Company sent a working group to collect the loan. 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".
Hubei Xiaojin Company reported the case after investigating the truth. Xu Mohui, Dong Mohui and Sun Mou were arrested in mid-20 19, and only 50,000 yuan was recovered from the loan of 2.53 million yuan, resulting in a loss of 2.48 million yuan for Hubei Xiaojin Company.
20 19 12, Wuchang District People's Court of Wuhan sentenced three people for the crime of loan fraud, sentenced Xu Mouhui to fixed-term imprisonment of 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 were rejected by the Wuhan Intermediate People's Court, upholding the original judgment.