The beginning and end of Binzhou "impersonal loan overdue": I will lend the loan before I arrive, and the bank will deal with it

  After a person in Binzhou, Shandong, discovered that he was overdue by an impersonal loan of 200,000, the bank in question was negotiating with him on how to resolve it.

  On May 2, Ms. Liu, a party to Binzhou's 200,000 impersonated loan, was overdue, told Peng Mei News (www.thepaper.cn), "I hope to find out the whole story of this matter. Binzhou Rural Commercial Bank has already contacted me , We are negotiating how to deal with this issue. "

  Earlier, Ms. Liu had reported to Peng Mei News that in November 2019, she went to check her personal credit information when applying for a home purchase mortgage loan and learned that someone handled 200,000 people in Binzhou Rural Commercial Bank in January 2009 in her name. As for operating loans, this business has been overdue and has not yet been fully paid off.

  Recently, the relevant person in charge of Binzhou Rural Commercial Bank told Peng Pai News that the problem reflected by Ms. Liu is true. Upon inspection, the loan information at that time, Ms. Liu ’s personal information was complete. What specific reasons caused this situation occurred, Binzhou The Rural Commercial Bank is still investigating.

"After paying the down payment, I found that I could not get a loan"

  In November 2019, Ms. Liu and her husband prepared to buy a new house, so they first paid an initial payment of nearly 300,000 yuan, and then proceeded to apply for a housing loan.

  In March 2020, when she went to the local branch of the People's Bank of China Binzhou to check personal credit information, she discovered that she had unexpectedly made more than 200,000 yuan in personal operating loans in her name. The loan time was January 2009.

  The "Personal Credit Report" provided by Ms. Liu to Peng Mei News shows that the management agency of the non-revolving loan account under Ms. Liu ’s name is Binzhou Rural Commercial Bank, with an opening date of January 29, 2009 and an expiration date of July 2009. On the 8th, the loan amount was 200,000 yuan, and the last repayment date was May 13, 2010. As of February 29, 2020, the account status was overdue, and the total overdue amount was 81,749 yuan.

  Ms. Liu said, "Although the incident has occurred for 11 years and the loan has been overdue for a long time, she herself has no knowledge of the matter and has never received a notice of dunning from the bank."

Handwriting identification

  For no reason, an overdue loan was issued, and Ms. Liu could only consult with the bank in question.

  On March 26, 2020, Ms. Liu went to Binzhou Rural Commercial Bank to report the fraudulent loan, and the staff accepted Ms. Liu's response. On March 27, the bank notified Ms. Liu to do handwriting and fingerprint identification. The bank asked Ms. Liu to make a copy of the marriage registration declaration form that was filled out during marriage as a reference for handwriting identification.

  On April 20, Binzhou Rural Commercial Bank informed Ms. Liu that the appraisal result showed that Ms. Liu had indeed been impersonated.

  The relevant person in charge of Binzhou Rural Commercial Bank also told Peng Mei News that the problems reflected by Ms. Liu were true. Upon inspection, all the documents of Ms. Liu ’s own documents were complete in the loan information at that time. For specific reasons, this situation occurred. Business firms will definitely find out.

  In order not to delay Ms. Liu's application for a mortgage, Binzhou Rural Commercial Bank plans to first apply for adjustments to Ms. Liu's credit information record objection.

  The Binzhou Rural Commercial Bank provided Ms. Liu with the "Shandong Rural Credit Cooperative Credit Application Objection Form" stating, "After verification, the signature of Liu XX on the loan contract and the debit note was verified by handwriting, and the result was signed by non-Liu XX. He himself was unaware of the loan, and it was an impersonation loan, which is now applied to the operator for deletion. "

  Ms. Liu said that Binzhou Rural Commercial Bank refused to allow her to view the specific loan information at that time, so she did not sign the application form. She said that the loan business seriously affected her family and life, and caused certain economic and reputation losses to her and her family. She should have the right to know about this matter, and hoped that the relevant personnel could be held accountable.

Where did the money go?

  How did this fake loan come about?

  Ms. Liu revealed that she had seen the cover of the original loan document with the seal engraved with her name on it when she was cooperating with the Binzhou Rural Commercial Bank for handwriting identification. She also signed her name with a handprint on the name, but The name was wrongly written, and there was a word "qin" in her name. As a result, there was a dot underneath the word, "I have learned to write my own name since I was a child. Why have I written my name wrong for so many years!" "

  Ms. Liu said, "She didn't engrave the chapter at all and didn't know where the chapter on the loan information came from." People in the bank also said that the money was credited into the account of a person with a surname (transliteration) .

  Regarding Ms. Liu ’s engraved fake seal, wrong name, whose account the money was in, and whether the party should not lend on-site or not, the relevant person in charge of Binzhou Rural Commercial Bank told Peng Mei News, "This matter has been too long in the past. Some of the managers at that time retired and some were transferred away. A guarantor of this loan is currently serving a sentence, so the investigation is difficult, and we are still investigating how this loan is operated. "

  The relevant person in charge of Binzhou Rural Commercial Bank also told Peng Mei News that Binzhou Rural Commercial Bank will surely investigate the process of this matter, and when it is time to find out who is using the loan, it will collect the loan from it.

  The surging news reporter Zhang Jiaran