Automobile sales companies forged materials, "cooperated" with ICBC employees and paid bribes of 1 10,000 yuan in exchange for customer loans of1-400,000 yuan. Employees pretend to be deaf and dumb when they know that they are faking, and put money disguised in the form of overtime pay and holiday fees into their pockets, and accumulated nearly 224 million yuan in fraudulent loans. Recently, the referee document network announced the case of fraudulent loans in Hengyang, Hunan.
"High loan" and "virtual loan" make a quick profit.
This company has a crooked brain.
According to the judgment documents, the defendant Hunan Hengyang Paladin Automobile Sales Company was established on 20 10, and engaged in the sales and maintenance of automobiles and parts, and the agency of automobile loan application materials. 20 13, 1, the company signed an agreement with Hengyang Branch of Industrial and Commercial Bank of China to jointly carry out special installment payment for automobile purchase. However, only one month later, the boss of the company, Long Qiuxiang, had a bad idea and began to arrange for his employees, Long Mou and Gu Mou, to forge automobile sales contracts, down payment receipts, unified invoices for automobile sales, motor vehicle certificates, customer motor vehicle registration certificates and other false information to be submitted to ICBC for loan.
After the loan is issued, the customer's car loan will be fully credited to the account of St. Qishi Company through the company POS machine, and then settled with the customer, deducting the car purchase fee, bank interest and handling fee. , and then transfer the remaining money to the customer.
* * * The company handled 383 "high loans" (loans equal to or higher than the car purchase price) and "fake loans" (loans without car purchase price) for customers through the above methods, and defrauded nearly 224 million yuan in accumulated loans; According to the appraisal, within three years, Paladin Company made an illegal profit of 610.3 million yuan by defrauding loans.
One dares to cheat and the other dares to lend.
Documents show that Tang Yingjiu, former director of Peony Card Center of Hengyang Branch of China Industrial and Commercial Bank, Peng Faqiao, former president of Hengyang Normal University Branch, and Luo Xiangyang, former account manager of Hengyang Normal University Branch, played an important role in this loan fraud case. According to the regulations, the sub-branch should meet people when handling the car loan business, that is, investigate whether the assets, credit information and cars are really purchased, and accompany the car loan customers to handle the vehicle mortgage registration. However, the sub-branch failed to fulfill its duty of strict examination, and used false information to approve a large number of "fake loans" and "high loans" handled by Shengqishi Company, and reported them to the Peony Card Center of Hengyang Branch of ICBC.
Tang Yingjiu, director of the Peony Card Center, also turned a blind eye. From June 20 13 to May 20 15, it violated the provisions of the Commercial Bank Law that the lender should strictly examine the borrower's borrowing purpose, repayment ability, ownership and value of the collateral, and realize the feasibility of collateral. Defendant Tang Yingjiu handled 304 fake loans for Sunkist Company, with a total amount of * * * 65,438+68 million yuan, knowing that there were a lot of "fake loans" and "high loans".
A thousand yuan benefit fee brings "special care"
From June, 2065438 to June, 2003, Long Qiuxiang discussed with Peng Faqiao, then the president of Teachers College Branch, and offered him different grades of benefits according to the amount of car loans, including loans of 1-400,000 yuan to110,000 yuan, loans of 400,000 yuan to 2,000 yuan, and loans of more than 800,000 yuan to 3,000 yuan. In this "transaction", Peng Faqiao * * * handled 22 false loans for the company, * * *176.97 million yuan.
Four months later, Tang Yingjiu discovered that Shengqishi Company used false information to defraud loans, so he called Long Qiuxiang to his office to report the matter. However, after consultation between Long Qiuxiang and Tang Yingjiu, every time a GPS is installed for car loan customers, St. Qishi Company gives Tang Yingjiu a 800 yuan benefit fee, which Tang Yingjiu gladly accepts. In less than two years, Long Qiuxiang's resettlement benefit fee is * * *179,000 yuan. Paladin Company also "changed" 304 false loan businesses, amounting to * * * 65438+6842 million yuan.
Knowing fraud, but resolutely approving loans.
According to Tang Yingjiu's confession, it is his duty and the staff of the Credit Card Department to review the vehicle loan business of the car loan company declared by the branch, mainly to review the authenticity of the car loan information and whether it meets the requirements of the bank, and then report it to Vice President Yang for approval. At the end of 20 13, he found that the car loan information provided by St. Qishi Company to the bank was false. He told Long Qiuxiang to stop the business of the paladin company and asked Long Qiuxiang to recover the loan. Long Qiuxiang asked him to be flexible in handling the "high loan" behavior of St. Qishi Company, and he asked Long Qiuxiang to pay him the 800 yuan benefit fee for each GPS installed. From June, 2065438+October, 2003/kloc-0 to May, 2065438+May, 2005, Mr. Long Qiuxiang gave 179200 as a bonus, from which he personally took about 30,000 yuan and gave the rest to other employees in the form of overtime and holiday expenses. Long Qiuxiang gave him money because he had the right to review.
Tang Yingjiu said that he still agreed to lend money knowing the fraud, mainly for three reasons: first, because the personal car loan business of St. Qishi Company was reported by the branch, he felt that the responsibility lay with the branch; Second, because the company has given him benefits; Third, there were many such "high loans" at that time. The Industrial and Commercial Bank of Hunan Province also asked them to vigorously develop personal car loan business. If he returns a large amount of car loan business, it will affect his performance.
Forged materials "flow"
The audit is not strict, "it doesn't matter"
According to the judgment document, Zhong proved that Long Qiuxiang found him on 20 13 and asked him to make a fake bank account, a fake vehicle certificate, a fake car purchase invoice, a fake real estate license, etc. Each document is charged a printing fee ranging from 20-50 yuan. About three or four years ago, Luo Xiangyang also came to him to make false information about car loans. He doesn't remember what false information he did. Gu also confirmed that a small part of paladin's car loans are in compliance with the regulations, and most of them are high-value loans. After copying the invoice, the company changes the amount on the copy through the advertising company and then provides the copy to the bank. Long Qiuxiang learned from others and taught them how to change invoices. In addition to changing the invoice, the vehicle certificate has also been changed.
Employee Feng is also "indifferent" to fraud. The main responsibility of the credit card department loan information audit team is to audit the authenticity and integrity of vehicle loan information, but the main responsibility of loan information authenticity audit is still at the branch level. Because the authenticity of loan information is mainly controlled by branches, both Peng Faqiao and Luo Xiangyang have been approved, and he has followed suit. From the end of 20 13 to April and May of 20 14, Tang Yingjiu will give him money after accepting bribes, and he will save it, and a small amount of money will be given to him, so as long as it is not obvious false information, it will be passed.
In the end, for this huge loan fraud case, the court ruled in the second instance that the illegal income of Hengyang Paladin Automobile Sales Co., Ltd., the defendant in the original trial, was 6135,800 yuan, which was confiscated and turned over to the state treasury.
Long Qiuxiang was convicted of defrauding loans, sentenced to four years and two months in prison and fined 50,000 yuan. He was exempted from criminal punishment for bribing non-state staff, and decided to be sentenced to four years and two months in prison and fined 50,000 yuan.
Tang Yingjiu was sentenced to three years and eight months in prison for illegally issuing loans and fined 50,000 yuan. He was exempted from criminal punishment for accepting bribes as a non-state employee. Decided to execute a fixed-term imprisonment of three years and eight months and fined 50,000 yuan.
Peng Faqiao was convicted of illegally issuing loans, sentenced to two years and one month in prison and fined 30,000 yuan.
Luo Xiangyang committed the crime of illegally issuing loans and was sentenced to one year and ten months in prison and fined 20,000 yuan.