See business collusion again " inside ghost " cheat borrow two banks successional " in action "

Common saying says: "Day prevents night, domestic thief is prevented hard! " two commercial banks experience such thing in succession, after in-house personnel receives bribery, the false contract that offers to cheating the person that borrow " open an eye to close a key point " , help its success diddle about a hundred 10 thousand loan.

Final, because make diddle loan blame reach pair of blame blame of bribery of national staff member, cheat the person that borrow to be sentenced set term of imprisonment 3 years, punish gold 100 thousand yuan.

Actually, personnel of interior of bank of beautiful money get through is carried out cheat borrowed case to have more in recent years happen, take bribes " inside ghost " in there is no lack of even the figure that the bank provides level high.

The leading role name of this case is the ox that be like iron, 2002, its and wife are contributive establish common partnership company -- trident river is prefab factory, the business such as the production sale of pole of cement of management concrete prefabricated components, annular prestressing force.

2010, because of trident river prefab factory needs to return to still look at bank of collaboration of city county country to Wu Shan subbranch of a bank borrows money 2 million yuan and purchase raw material formerly, the ox that be like iron and its wife to postal savings bank finite liability company visits city subbranch of a bank (the following abbreviation " mail store the bank visits city subbranch of a bank " ) application small company borrows money. And when assume post store the Peng Mou that the bank looks at business of credit of assistant president of city subbranch of a bank, be assigned personal responsibility for is to examine and approve agree and to mail store bank Changsha branch recommends trident river the person that loan of 4 million yuan of small company applies for prefab factory.

Borrow money to this, prefab factory finished the trident river that is like iron ox-tractor to remand on schedule. After this, this factory is purchased with buying raw material, goods again and small company loan applies for for loan displacement, win post store bank Changsha branch is examined and approve through, at acquiring small company again 2011 loan adds up to 4 million yuan.

Nevertheless, the ox that be like iron fails this to expire however repay afore-mentioned loan. For this, he was found " old acquaintance " -- Peng Mou, the hope falls in Peng Mou's help, to mail store the bank borrows borrow newly return secondhand goods, peng Mou promises to give help.

Judgment shows, the ox that be like iron takes out 40 thousand yuan of cash that holding with polybag to hand from inside the bag that carries Peng Mou, peng Mou gives receive.

To help trident river prefab factory borrows new fund, peng Mou is in know perfectly well draft the circumstance with loan truthless utility, still with capacity of sale hillock staff, issued 2012 " client of small company loan recommends a watch " , to mail store center of loan of small company of bank Changsha branch recommended trident river the loan application of prefab factory. In the meantime, post assumes when Peng Mou is found store Yang Mou of manager of client of center of loan of small company of bank Changsha branch, will trident river is prefab the factory is insolvent loan, need to borrow return old circumstance newly to inform, want Yang Mou to deal with trident river as soon as possible the loan application of prefab factory.

Because had made call, yang Mou is in know perfectly well trident river prefab factory repays without ability junk fund, new leasehold fund also is not the situation that buys rolled steel to fall, still offer to this factory " rolled steel purchases a contract " passed examine, do not have reimbursement deadline in 4 million yuan of secondhand goods that prefab plant institute rents trident river, and below the circumstance that has not repay, award a letter to undertake investigating to its namely, and compose " small company gives a letter findings report " , state among them: The utility that give a letter is buy raw material, loan use is actual; Proposal assess is trident grade of prefab factory credence is the river class A, the highest and integrated limitation that give a letter 5.03 million yuan, the forehead that give a letter spends 3.87 million yuan, apply for approval mail store careful of bank Changsha branch borrows joint hearing to approve wait for content.

Final, according to Yang Mou compose " small company gives a letter findings report " , mail store careful of bank Changsha branch is borrowed can agree to extend trident river is prefab mill small company borrows money 3.87 million yuan.

Be worth what carry is, the bank that the ox that be like iron gets acquainted with " good friend " person of some of more than still Peng. In September 2012, the client manager Xia Mou that subbranch of a bank of pond of the bank that enrol business Home Hou holds the post of when the Niu Youtong that be like iron crossed friend Ding Mou to know, its at ordinary times working content develops loan client namely, collect loan client data, check borrower pawn authenticity, with evaluate a company to undertake assessment to pawn together, the substance to loan client whether on the rails is examined, findings report of the credit record that examines loan client and guaranty person, compose.

Was certain duty of Xia Mou post, the ox that be like iron puts forward to want to help deal with the bank that enrol business to borrow money for its through Xia Mou, acknowledgment can give after to Xia Mou promise thing is become, xia Mou is promised can handle loan as soon as possible.

Nevertheless, the forehead giving a letter of the bank that enrol business spends loan to be able to be used at the enterprise to manage only. Accordingly, borrow money to apply for smoothly, the ox that be like iron is dummy a trident river is prefab south county of factory Xiangwang city hammer factory makes buy 2.316 million yuan of steel wire and black iron wire on the west " contract of product purchase and sale " , tell the hammer plant makes on the west legal representative austral county visitting a town Qu Mou, oneself have brushstroke capital to be able to call pair of hammer plant makes on the west public account austral county visitting a town.

Below Xia Mou's help, the Niu Shunli that be like iron applies for 2.2 million yuan to award letter forehead to spend loan to the bank that enrol business. Loan that day, the Niu Yaoxia that be like iron some alley around Changsha railway station child after meeting, xia Mou gave 80 thousand yuan inside its car. The pawn that deducts the pay for sb and expect to be repaid later when Xia Mou handles loan to be like iron ox-tractor assesses fee 3200 yuan, pawn registers cost 4400 yuan, insurance premium 4000 yuan hind, odd sixty-eight thousand four hundred yuan. "Advantage " after fulfilling, xia Mou also did not forget recommend is like iron ox-tractor and the Ding Mou that he knows, gave 30 thousand yuan among them this " bagman " .

And the examination after as Yang Mou prefab to trident river factory undertakes borrowing, xiao Tie is cheated arrogantly borrow act to also disclose subsequently. According to judgment introduction, after loan extends before long, yang Mou discovers this plant equipment is being fooled to grab by unidentified personnel, report the circumstance mail then store bank Changsha branch.

Final, because the ox that be like iron makes diddle loan blame, right blame of bribery of blame state staff member, two blames are punished, be decided to carry out a set term of imprisonment 3 years, punish golden RMB 100 thousand yuan.

Bank of some share-holding system is right to personnel of public professional work " daily economy news " the reporter expresses, all the time since, the technological process that the commercial bank examines to loan and detail have more specific provision. As method of financial science and technology develop, the bank is on guard cheat borrowed integral efficiency to also rise somewhat.

"If have employee legislation consciousness thin, appear take bribes or by the circumstance of bribe, the wind of high quality controls a system also hopeful is prevented cheat those who shift action to happen.

And from the point of associate with case, personnel of interior of bank of beautiful money get through is carried out cheat borrowed case to still have more in recent years happen, take bribes " inside ghost " in there is no lack of even the figure that the bank provides level high.

" daily economy news " the reporter inquires discovery, 2007 around, include president of former subbranch of a bank, assistant president inside 8 of Beijing some bank tall canals, ceng Tong is too dummy and secondhand room room borrows the way such as procedures of formalities, small company loan, the help cheats loan of diddle of the person that borrow to be as high as 708 million yuan.

According to the report, when this case careful writtens guarantee, this bank clerk is received in all cheat bribery of the person that borrow to add up to more than yuan 960.

Final, cheat the person that borrow to be sentenced life imprisonment, president of this subbranch of a bank is sentenced set term of imprisonment 20 years, case of additionally 16 experience person divide obtain 3 years of ~17 year the term of imprisonment that differ.

And in case of card of bill of accept of a enterprise diddle loan in the near future, bill, banking, likewise bank clerk is pushed to come dock.

Net of Chinese judge copy clerk shows, in company bank the forehead that give a letter spends insufficient circumstance to fall, this bank worker exploits functionary advantage, do sth without authorization changes the number of security of accept bill of exchange inside bank credit system, empty adds the forehead that give a letter to spend, issue a bank acceptance to this enterprise 21, amount is 734 million yuan. And to thanks, the bank account that the enterprise assigns to bank employee is divided second turn into advantage to expend 3 million yuan.

Daily economy news