<br>"Carrot chapter" Piandai case re-staged, and weak enforcement of bank credit management system, lax awareness of cases, the flow of credit biased, unfair competition equal factors have a great relationship.<br> <br>Keywords: engraving stall Censoring mortgage lending fraud loopholes??<br> <br>□ very cases<br> <br>Legal Daily reporter bright spring tour<br> <br>Legal Daily correspondent Cui Yu M<br> <br>Shenzhen City, Guangdong Province, have been having a good credit enterprises, due to funding strand breaks, take risks, take poor means openly fraud bank loans. It has always been convinced these companies bank on the loan approval, lenders and other aspects of management loopholes, actually cheated 89.7 million yuan.<br> <br>Recently, the case of manufacturing the suspects were the Shenzhen Municipal People's Procuratorate (microblogging) approved the arrest on suspicion of Loan Fraud.<br> <br>In 2008, Zhan Moumou incorporated in Shenzhen ", Shenzhen Fucheng International Supply Chain Co., Ltd.", and as the legal representative, the company mainly engaged in international logistics business, with hundreds of employees.<br> <br>The end of 2009, Fucheng establish credit business relationship with a bank branch in Shenzhen Honey Lake, cooperation has been very smooth. The end of 2010, the bank decided to grant 68 million yuan Fucheng credit line.<br> <br>Earlier this year, in order to guard against financial risks, the bank decided to change the way credit tripartite protocol mode, that is, banks choose Fucheng which a supplier Shenzhen Electronics Co., Ltd. as a partner in order to protect the goods right way Fucheng companies doing business. But the supplier does not agree with this method of payment, the tripartite agreement model fruitless.<br> <br>Because of funding constraints,karen millen sale, begged and borrowed nowhere, desperation, Fucheng legal representative Zhan Moumou on the roadside stall, looking for a supplier of forged seal,http://store.shopping.yahoo.co.jp/ebest-dvd/0000000920549.html, while allowing their fellow Moumou posing Electronics Corporation employees, fake business cards printed, the name of the business manager in contact with the bank. In the bank verification process,http://store.shopping.yahoo.co.jp/ebest-dvd/0000000785291.html, Sike seal for the first time did not pass validation, the second time did not pass. Zhan Moumou on the change of a stall, and carved a seal, actually passed certification.<br> <br>After Fucheng using fake "order contract", "delivery notice", "Commitment Letter", "power of attorney" and other corporate seal and other documents, fabricating false trade background, and the bank signed a "comprehensive credit contract "," bank acceptance agreement "and other agreements.<br> <br>From March 2011, Moumou behalf of suppliers, bankers' acceptances has received 18. Fucheng endorsement of bank acceptances, looking for all the underground banks discounting Piandai totaling 89.7 million yuan.<br> <br>When June 3,http://store.shopping.yahoo.co.jp/cio/new-era-cap-trucker-mesh-506-plate-umpire-cap-navy-gray.html, 2011, the bank branch credit management unit to the electronic post-loan companies inspection found that the company in 2011 never received by the bank out of the drawee bank Zhan Moumou's acceptances, and Moumou denied the company employees. So far, Fucheng Piandai case became public.<br> <br>Causing huge losses of trust leading to indulge<br> <br>Bank found that deception, because Fucheng past business situation more likely to trust, did not immediately reported, but contact with Zhan Moumou, hoping to recover the loan. Zhan Moumou said it is looking for collateral, to raise funds to solve the problem banks. June 10, that the person in charge of Fucheng to go out, "tourism" and could not be contacted after the bank was officially reported.<br> <br>Prosecutor caseload in an interview with reporters, said Zhan Moumou Piandai very clumsy way, in the modern financial enterprise management system so tight, well-developed science and technology, the Zhan Moumou able to succeed, it is because of Fucheng trust companies have been good operating conditions and creditworthiness, so that the bank managers off guard.<br> <br>In the part of loan approval, the agreement with the contractor Fucheng electronics companies and banks among the three parties did not reach a person, later Zhan Moumou lied and electronics companies reached an agreement, the bank did not believe so easily ascertainable, posing Electronics Business manager Moumou no identity verification. In the verification link, the bank branch bank system Yan Yin "Commitment Letter" and "power of attorney" seal be checked and found discrepancies with the electronic seal in bank reserve credential. At that time, Moumou explained that the company has several sets of electronic seal, this is the wrong cover seal. PM Moumou again banks did not pass validation, as she explained. The next day, once again came to the bank Moumou, even through the bank-Yan Yin system.<br> <br>In the lending segment, this acceptance should be sent to the electronics company premises, but each time the Moumou to work outside the grounds, requires Songpiao staff to different locations,babyliss curl pas cher, bank managers agree violations, again gave Zhan Moumou, etc. people opportunities.<br> <br>In the report link, it has been based on trust and cooperative relations, and hopes the suspect fundraising initiative, the bank did not promptly report was Zhan Moumou delays, finally suffered huge losses.<br> <br>Mortgage fraud case sounded the alarm to the banking sector<br> <br>Shenzhen, a professional financial analysis to reporters, for commercial banks, more than 20% of the statutory reserve ratio from 2% to 5% of the excess reserve ratio of 10% or more of the capital adequacy ratio, coupled with the provision coverage, the commercial banks to absorb 100 yuan deposits, of which 30-40 yuan is not moving. This leads to more attention to credit funds medium-sized enterprises, high-tech enterprise or business situation is good, high reputation SMEs,http://store.shopping.yahoo.co.jp/uchiyama-sports/can-aa06920-a.html, some SMEs to rely on each other to help solve,http://store.shopping.yahoo.co.jp/ichibankanshop/bss-70q.html, otherwise with usury, and even to bank fraud.<br> <br>Concerned that, in recent years, the international financial crisis and the impact of macro-control,karen millen outlet, some SMEs, especially export-oriented corporate financing more difficult, in the process of seeking funding could "sword easy road."<br> <br>Case, Fucheng had in the bank has a good reputation,karen millen dress, and achieved a higher credit line, but because of operational difficulties, funding strand breaks, and finally take the criminal means. And its methods of crime can be very clumsy, Sike seal, making false business cards, and actually be able to muddle through.<br> <br>Contractors prosecutors pointed out that in recent years, Shenzhen credit fraud Overall incidence is relatively low, but the case for the banking sector has sounded the alarm. On the one hand, commercial banks should strive to better qualified companies inclined to seek a stable rate of return, on the other hand, it is in particular to strengthen the supervision of more "trust" corporate lending, to ensure the safety of funds.<br> <br>■ case intended to click<br> <br>Shenzhen City Procuratorate investigation and supervision a prosecutor Chong Chan Chi in an interview with reporters, said: "Compared with the past, we have had classes The offenders precision-engineered fraud, the case suspect's modus operandi should be said to be very poor as long as the bank through. Office or management personnel with risk awareness, a little more sense of responsibility, even if only a phone call to verify it, the case would not have happened. "<br> <br>Reporters learned from the Shenzhen Municipal People's Procuratorate,http://store.shopping.yahoo.co.jp/spark-inc/kit-35w-h4rl-369.html, to maintain the normal order of operation and development of state-owned enterprises, guarantee security of state assets,babyliss pro perfect curl, the Shenzhen Municipal People's Procuratorate has proposed to improve the bank's loan management, improve the electronic system Yan Yin, improve operational risk Attorney Suggest. Recently, the bank related persons responsible for accountability at the same time, has issued a special 'acceptances business management approach ", revised the loan approval, lenders, verification and other related systems,http://store.shopping.yahoo.co.jp/cio/c0705600001zz.html, strengthen key positions, key risk areas of investigation further strengthen risk prevention and management.<br> <br>"I hope that this case can be like a mirror, so that financial enterprises learn a lesson,http://store.shopping.yahoo.co.jp/topism/denim-17-topism.html, to protect the good assets under management." Chuang Chi Chan said.<br> <br> Share: welcome to comment I want to comment<br> Microblogging Recommended | hot microblogging today (edit: SN026)<br>
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