The woman was "loaned" for 12 million at Shanghai Pudong Development Bank.
China-Singapore Jingwei Client, July 29th (Wei Wei) A man inexplicably "was secured" with a loan of 10 million yuan. Recently, there was another bizarre loan dispute.
Cheng Xiaoqiong, who lives in Sichuan, said on Weibo that she accidentally discovered when she recently inquired about personal credit that she had two loans of RMB 6 million in Shanghai Pudong Development Bank Chengdu Branch in 2011 and 2012, totaling RMB 12 million. I have never applied for a loan from the bank and have no knowledge of this loan. The matter quickly sparked heated discussions on Weibo and rushed to the hot search list.
Credit investigation found that there are 12 million loan sources under his name: Sina Weibo
The Shanghai Pudong Development Bank, the party involved, responded that the investigation is still ongoing. However, there are still many mysteries to be solved.
Credit investigation accidentally found "being loaned"
Recently, Cheng Xiaoqiong's Weibo has quickly fermented on the Internet. As of press time, the Weibo has been forwarded and commented over 25,000, and it has been liked 80,000 times.
Cheng Xiaoqiong tells about the experience of "being loaned" Source: Weibo
On July 26, Cheng Xiaoqiong publicly recounted her experience on Weibo. She called herself an ordinary housewife. Her husband was buried by the mountain during the Wenchuan earthquake. She has passed away for 12 years and raised two by herself. The child grows up.
She said that she had never gone to a bank for a loan for many years. When she went to the bank recently, she printed a personal credit report at the bank, but unexpectedly discovered that she had two transactions at the Chengdu branch of Shanghai Pudong Development Bank in 2011 and 2012. A total of RMB 12 million in loans.
"When did I apply for a loan of 12 million yuan from the Chengdu Branch of Shanghai Pudong Development Bank? Although the credit report shows that the loan has been paid off, 12 million yuan is a figure I never dreamed of in my life." Cheng Xiaoqiong wrote.
After that, Cheng Xiaoqiong went to the Chengdu branch of Shanghai Pudong Development Bank to apply and got a copy of the loan contract. She found that the signature and fingerprints involved in the two loan contracts were not her own handwriting and fingerprints, and were imitated by others.
With regard to these two loans, Cheng Xiaoqiong still has many questions. She hoped that the bank would provide the original examination and approval documents and apply to Shanghai Pudong Development Bank for the original loan contract for handwriting verification, but the other party delayed the time for various reasons. So far, she has sent relevant complaint materials to the Sichuan Banking and Insurance Regulatory Bureau.
The party is one of the shareholders of the company involved
The Sino-Singapore Jingwei client contacted Shanghai Pudong Development Bank, and its response stated that the head office was highly concerned about the information related to the Chengdu branch in the online report and immediately requested the Chengdu branch to conduct an investigation. After investigation, the Chengdu branch issued personal business loans to Ms. Cheng in 2011 and 2012. The personal ID card, account book, and personal pledged deposit receipts and other loan application materials were complete. The principal and interest of the last loan were fully settled in 2013. clear. The loan funds are used by a Wenchuan Electric Melting Smelting Co., Ltd. Ms. Cheng is one of the shareholders of the company. Related investigations are still ongoing.
Ms. Cheng was dissatisfied with Pudong Development Bank’s response. She believed that Pudong Development Bank’s response evasively confuses the audience. She admitted that she inherited the company's shares from her husband, but she has never participated in the company's operations. As far as she knows, there are many victims of fake loans.
The Sino-Singapore Jingwei client contacted Mr. Yang, the eldest son of Cheng Xiaoqiong, and the credit report provided by Mrs. Cheng showed that the two types of loans were both personal business loans, the guarantee method was pledge, and the repayment period was 12 periods. The account status is cleared.
Source of Ms. Cheng's credit report: provided by the respondent
The copy of the personal loan contract shows that the type of loan is "personal business loan", the column of loan use writes "operating turnover", the loan payment method is "payment on behalf of the lender", and other guarantees for creditor's rights are "periodical loans provided by Cheng Xiaoqiong" The deposit certificate pledge guarantee”, the transaction object account of the entrusted payment is Wenchuan Shun Power Melting and Smelting Co., Ltd.
Source of Cheng Xiaoqiong's loan contract: provided by the interviewee
A loan customer manager of a joint-stock bank told the Sino-Singapore Jingwei client that under the entrusted payment method, the funds will be directly transferred to the account of the transaction partner, and will not be transferred to the lender's own account, which is equivalent to special funds.
According to the account manager mentioned above, personal business loan is a kind of loan, which belongs to personal loan. The shareholders, legal persons, or actual controllers of an enterprise, in order to support the operation of the enterprise, use collateral such as real estate under the name of an individual and a deposit certificate as a mortgage loan for the operation of the company. "The procedures for using corporate loans to take corporate loans are relatively cumbersome, and the review is stricter. Many small and micro enterprises’ revenues and statements do not meet the requirements of bank loans. Therefore, taking personal business loans is relatively simple, and appropriation is not easy. Faster."
According to Tianyan Check, Wenchuan Shun Power Melting and Smelting Co., Ltd. was established in May 2004 with a registered capital of 5 million yuan. The registered place is located in Taoguan Industrial Park, Wenchuan County. Its business scope includes the production and sales of calcium carbide and ferroalloy; DVC resin purchasing and sales agency. Cheng Xiaoqiong is the company's fifth largest shareholder, holding 8% of the shares.
According to The Paper, Cheng Xiaoqiong and the company's legal representative and the second largest shareholder are all relatives. In this regard, Mr. Yang also admitted that he is indeed a relative.
Mr. Yang introduced that his father worked for this company in 2008 and held shares in the company. He was unfortunately killed on the way to Wenchuan during the May 12 earthquake. After his death, Cheng Xiaoqiong inherited the company shares he held. "My mother is an uneducated housewife. Since 2008, she has not known all the operating conditions of this company and has never paid dividends." Mr. Yang told the Sino-Singapore Jingwei Client.
Who handles the repayment card and pledge?
Mr. Yang said that according to his mother Cheng Xiaoqiong’s recollection, the company once provided the company with ID card and other information when handling the share change. After that, the company asked her for an ID card in the name of helping her apply for social security, but social security has not yet been processed. . Mr. Yang believes that companies can cheat your ID card for various reasons, or take a copy to do what they want.
Regarding the pledged "deposit certificate", Mr. Yang also doubted its authenticity. "My mother didn't know about the loan. How could I know that there was a deposit certificate pledge?" Cheng Xiaoqiong also said on Weibo that he did not have a deposit certificate at all, let alone the money to do it. Certificate of deposit.
Regarding Mr. Yang’s statement, the relevant staff of Wenchuan Shunfa responded to the Sino-Singapore Jingwei client, saying that if the other party said that the signature was not signed by him, he could apply to an authoritative institution for handwriting verification. Regarding whether there are other people who have been borrowed under false names, the staff member said that he has no comment.
In addition, according to Mr. Yang, during the inquiry process, her mother discovered that she had a bank card in the Chengdu branch of Shanghai Pudong Development Bank, which was used to repay the above-mentioned loan. However, Cheng Xiaoqiong said she had no knowledge of this bank card. The repayment flow shows that the above-mentioned loan repayment was made by Wang Mou, the financial director of Wenchuan Shunfa Company, who transfers the money to the card every month and then the bank transfers it.
Source of personal account repayment flow: provided by respondents
Does Cheng Xiaoqiong apply for this bank card himself? The above-mentioned staff member explained that because it was a matter of ten years ago, he could not determine whether he handled it in person, and the specific situation should be confirmed with the bank. As for why the company's financial staff put the money on the card, he explained that because it is a personal business loan, the company uses the loan to support the development of the enterprise, and whoever uses the loan will pay the loan.
"We have reason to suspect that Shanghai Pudong Development Bank and the actual controller of this company give and receive privately. These transactions are simply hidden from the parties. The loans are not authorized and approved by the parties. Some illegal and criminal issues may be involved. We are also worried. So I was involved in some cases." Mr. Yang said.
Three major issues are still to be verified
The Sino-Singapore Jingwei client sorted out the focus of disputes between the two parties. There are three major issues that still require evidence provided by the bank to tell the truth: one is the authenticity of the signature and fingerprint on the loan contract; the other is whether the pledge deposit certificate in the loan exists, and three Whether the repayment bank card is handled by Cheng Xiaoqiong himself.
The Sino-Singapore Jingwei client sent the interview outline to the Pudong Development Bank mailbox, and has not received a reply as of press time.
"12 million is not a small amount. The steps to apply for large loans are quite cumbersome. First, the lender needs to sign in person. It depends on all the lender’s documents including ID cards, marriage certificates, etc., and inquire face to face, then sign and press fingerprints. There will be audio and video recordings throughout the process; after that, it must go through level-by-level approval; finally, there will be post-loan inspections and other steps." A loan customer manager of a state-owned bank introduced to the Sino-Singapore Jingwei client.
Dong Ximiao, the chief researcher of the Zhongguancun Internet Finance Research Institute, believes that if Ms. Cheng is really unaware, this is obviously a fake loan, indicating that the bank has many problems. First, the bank has problems in the management of grassroots institutions and employees. Relevant companies cheat; second, internal control systems such as credit approval are mere formalities. A little review will reveal whether there are any problems. The identity and pledge of the borrower must be strictly reviewed. This loan is a deposit certificate pledged loan. Check it. The certificate of deposit knows whether it belongs to her. Third, the bank involved has some problems in its business philosophy. If what Ms. Cheng said is true, then the bank actually tacitly admits or even condone such behavior, whether it is the same as the 75.5 billion before Shanghai Pudong Development Bank Chengdu Branch. It is difficult to say that the fake loan case is related, but it shows that the bank has indulged these behaviors in pursuit of development speed and operating indicators.
Zhao Zhanzhu, a lawyer from Beijing Zhilin Law Firm, introduced to the Sino-Singapore Jingwei Client that if there is a “loan” incident, if the loan is not repaid, the bank will sue the lender to the court, and the lender can apply for handwriting verification. Verify the authenticity of the signature. In addition, during the bank loan review, there are usually video and photographs, and the bank must verify whether the person is carrying the original ID card and verify the authenticity of the original ID card.
Zhao Zhanzhan stated that, in this case, if the loan was made under the guise of Cheng Xiaoqiong and the loan has been paid off, in this case, because the original materials are not in the hands of the parties, in addition to complaints to the China Banking and Insurance Regulatory Commission, you can also hold a credit report. Wait for the materials to sue the bank, request the bank to provide the corresponding materials, and then conduct handwriting verification. If economic losses are caused to the parties, evidence can be presented and the bank will be required to bear civil liability for compensation. (Zhongxin Jingwei APP)
All rights reserved by Sino-Singapore Jingwei. Without written authorization, no unit or individual may reprint, extract and use in other ways.