With the deepening of the investigation, Qilu Bank Co., Ltd. (hereinafter referred to as "Qilu Bank"), which caused police intervention a few days ago, was involved in a high-value loan fraud case, and its risk traces had already appeared as early as the beginning of 20 10.
The 2009 Financial Statement and Audit Report of Qilu Bank Co., Ltd. (hereinafter referred to as the report) obtained by China Business News yesterday shows that there are many problems in the third-party deposit pledge business of Qilu Bank, such as the mismatch between the borrower's operating income and the loan scale, the legality of deposit pledge and so on. To this end, the Report shows "reservations".
The report was issued by PricewaterhouseCoopers Zhongtian Certified Public Accountants on April 20 10. Our reporter learned from insiders of Qilu Bank that because PricewaterhouseCoopers insisted on writing the above-mentioned "qualified opinions" into the audit report, Qilu Bank has changed the accounting firm responsible for auditing.
"An accident" has long been warned.
The above report is a comprehensive physical examination of Qilu Bank's related businesses in 2009, and the "qualified opinions" issued are directed at the bank's third-party deposit pledge business.
The report said: "Some loans and acceptance bills of your bank are pledged with RMB 4.8 billion deposits from third parties. The financial data of the above-mentioned business borrowers in 2008 obtained from independent sources show that their operating income cannot match the loan scale, and it is quite different from the information in your credit business system. "
"In addition, we have noticed that there are doubts about the legality of the deposit pledge provided by the guarantor." It is reported that.
"As of the audit report date (April 24, 20 10), our firm failed to obtain sufficient audit basis to prove the reasonable business relationship between the above borrowers and guarantors, the adequacy of the first repayment source of the above loans, the legality of the pledged loans (including consulting your external lawyers), and failed to implement other audit procedures to obtain sufficient and appropriate audit evidence."
Yesterday, the reporter contacted the accountant who signed the above report, and the other party declined to comment.