<br>Fictional house that does not exist,doudoune moncler pas cher, for the real property titles, thereby defrauding the bank of second-hand housing mortgage loans. "Fake mortgage" Since then there has been a new interpretation.<br> <br>A risk that the two "loopholes" potential long. Second-hand housing mortgage loans in the major capital security risks, the CBRC has caused concern and issued a nationwide emergency alert and improve instruction.<br> <br>80 sets of "fake mortgage"<br> <br>Risk was first revealed in the Sichuan region.<br> <br>Reporters from local police that those involved Tang has checked it five cases suspected of Piandai. He practices a series of operations, it revealed in renovating the old property management, as well as second-hand housing mortgage banking system processes vulnerabilities. Currently, Tang has been arrested Wuhou Procuratorate.<br> <br>Tang is the Beichuan people. Once before, a real estate company to work in Chengdu, responsible for handling resettlement housing ownership certificates.<br> <br>In 2006, Tang left the company in the hands of a lot of planning the use of resettlement agreement, to housing authorities to apply for ownership certificates,piumini moncler sito ufficiale, and adopted by the sale of second-hand housing mortgage loans from the bank cheated out of millions of funds.<br> <br>Police reveal his specific mode of operation,http://www.xq0757.com/read.php?tid=1030726.<br> <br>After March 2006, Tang to a million names a friend borrowed identity, represent this property linked to a million households in the head, and promised things are, thanks to a million 2000 yuan fee. Tang promised a million request. Tang identifying gaps relocation agreement of the original company, with the identity card to fill a million heads of households, fiction does not exist a cell Chengdu Qingyang Area 4 No. 4 unit 8 housing. He took this imaginary house demolition agreement to Chengdu Real Estate Trading Center, with a million in the name of the corresponding handle real estate license.<br> <br>With this real estate license after the fictional Tangmou homes in a second-hand housing market to register himself pretending to be buyers households, through a bank mortgage, "repurchase" a million of this "property", and from Bank sets out the nearly 20 million mortgage payments.<br> <br>So similar operation, Tang in just a year and a half, actually has repeated more than 80 times,http://211.149.226.115/bbs/forum.php?mod=viewthread&tid=224178, more than 80 sets of imaginary houses, defrauding the bank of millions of second-hand housing mortgage payments.<br> <br>Two walking in the banking and real estate trading center in Chengdu between the "loophole", Tang shattering approach taken, no money on the "sale" of real estate, mortgage payments depend lied to survive. Each "buy" after the return of a property,http://hernia8.umin.jp,nike air max 90, pay per month for a monthly mortgage of real estate. Tang crazy "purchase", and then also on another set of fictitious real estate loans for the month.<br> <br>Process "loophole"<br> <br>According to local police sources,http://d-ura.info, a full two years, Tang deeds are found, they cash in bank funds, as well as fictional houses are at peace. Until November 2008,http://store.shopping.yahoo.co.jp/ebest-dvd/0000001164820.html, Tang suddenly decided to surrender to the police.<br> <br>To this end, Sichuan banks to carry out risk self-examination, and then find similar risks. Moreover, involving not just one or two banks.<br> <br>Regulators recently released documents show that Sichuan overwhelmed isolated case occurred in March 2006 to the end of 2007. Such cases have been referred to as "there is evidence no room" second-hand housing mortgage loans, seized 92, the balance of 11.47 million yuan, ranging from 10 to 20 years of the loan. Banks involved in the Agricultural Bank, part of the branches of Bank of China, Bank of Communications and Minsheng Bank in Sichuan Province, and Nanchong City Commercial Bank.<br> <br>"The whole incident, the housing authority shall also be responsible." A person in charge of the bank loan of thought.<br> <br>Reconstruction work in the city,http://www.ez-netlife.com/bbs01/patio.cgi, the demolition company demolition of housing in the local housing management center registered a total area greater than the actual construction area, which became the "pak" where they can be drilled loopholes. Fictional house that does not exist, and the relocation agreement with privately retained and receipts,http://store.shopping.yahoo.co.jp/ichibankanshop/n508sa.html, fake resettlement agreement, resulting in the local housing authority to handle real fictional house property right certificate, and then through the buy natural, effective with the signing of the purchase contract, to defraud the secondary housing mortgage banks, causing major risk of bank funds.<br> <br>"Forged out of the fake ownership certificate from the bank cash, exposing some banks in the management of second-hand housing mortgage loans, business processes and other aspects, there are still weaknesses, especially in some line managers to handle second-hand housing mortgage loan process, contempt This important part of the audit,moncler outlet italia, the prevalence of the audit strict, business processes through the motions, weak enforcement of rules and regulations and other issues, over-reliance on real estate warrants housing assessment report and intermediaries. "regulators said.<br> <br>"Three check" Demining<br> <br>"China's massive reconstruction of old, is wave after wave, and if this vulnerability does not make up, would pose a significant risk of bank funds." A financial regulator.<br> <br>Sichuan "loophole" after the outbreak, the CBRC regulators and commercial banks to make at all levels to strengthen the "three examinations", ie bank loans before the investigation, after the loan when the loan review and inspection.<br> <br>The CBRC requires commercial banks as soon as possible to second-hand housing mortgage loans and other personal credit class business processes to conduct a comprehensive clean-up of the investigation and the business risk point each for rectification. Some commercial banks "mine" Work has now entered the closing stages.<br> <br>In fact,http://nemotaku.fr/site/spip.php?article466, the CBRC warning against the mortgage market, not only at this time. As early as this time last year, the CBRC a notice pointed out that the wording is quite serious, some banks loan system exists in name only, credit due diligence formality.<br> <br>In addition, some real estate development companies and real estate agency through false mortgage loans or more than one room,piumini woolrich sito ufficiale, inflated registered capital, virtual lift prices and other means to obtain bank loans, working capital loans and some even embezzle invest in real estate project development, use of bank loans hoarding land, disrupted the real estate market order, increased credit risks.<br> <br>In the clean-up, these risks some banks still have exposure. Reporter Li Yilin<br><br>
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