Trick to sign a false loan contract and illegal collection

　　The Wuxi County Court in Chongqing publicly sentenced the principal offender in a criminal case involving a routine loan to 19 years in prison

　　□ Our reporter Wu Xiaofeng

　　□ Correspondent Tian Xiaolan Hu Qianqian

　　Recently, the Wuxi County People's Court of Chongqing Municipality publicly pronounced a criminal syndicate case in accordance with the law. This case is a key case supervised by the Chongqing Municipal Anti-criminal Office.

The defendant Yan Moumou was sentenced to 19 years in prison and a fine of 2.03 million yuan; the defendant Wang Moumou was sentenced to 13 years in prison and a fine of 1.6 million yuan; the remaining 23 defendants were sentenced to 5 years in prison 6 It ranges from one month to six months, and is fined accordingly.

　　In the case, Rao Chuan, president of the Wuxi County Court, served as the presiding judge.

The court found that since October 2018, the actual investor of Xinqianhai Company, Yan Moumou, arranged for the then general manager of Xinqianhai Company to set up operation group, finance group, personnel group, and technical group in the company to implement online lending. The collection group formed a criminal group headed by Yan and Wang.

　　The person in charge of the operation group is the defendant Tao, who is responsible for the business contact promotion platform, payment and settlement company, risk control company, and loan issuance.

The person in charge of the personnel team is the defendant Hu, who is responsible for personnel recruitment and attendance.

The person in charge of the technical team is the defendant Guo XX, who is responsible for product development, program design, system maintenance and other technical work.

The finance team is responsible for various financial settlements.

The person in charge of the collection group is the defendant Xu, and there are two groups, the leader of one group is the defendant Zhang, and the leader of the second group is the defendant Zhao.

　　Xinqianhai Company operates "Love Consumer Loan" under the names of Shandong Lianxun Company, Shanghai Zhaoxun Company, Shanghai Yongyu Company, and Shanghai Lansha Company.

On March 15, 2019, "Love Consumer Loan" ceased operations.

　　In June 2019, Wang established an operation group, finance group, personnel group, technical group, and collection group in the name of Shanghai Zhaoxun Company in accordance with the "Love Consumer Loan" business model, and operated "Quick Loan" to implement online "lending" ", formed a criminal group headed by Wang.

　　Shanghai Zhaoxian Company has signed a cooperation agreement with Loan Master Platform, Beijing Changjie Company and Hangzhou Moxie Risk Management Company to operate "Quick Money" products.

The person in charge of the operation team is the defendant Tao, the person in charge of the technical team is the defendant Guo, and the person in charge of the collection group is the defendant Zhang.

　　Yan Moumou, Wang Moumou, etc., for the purpose of illegally occupying other people’s property, concealing the fact that they have not obtained the qualifications to engage in financial loans, under the guise of private lending, using "commodity fees" and "service fees" as grounds to trick victims into signing false loans Contracts are used to create a flow of funds to collect high fees and carry out fraudulent and criminal activities.

　　For some victims of overdue payments, the collection officers used phone calls, text messages, and the Internet to influence credit reporting, "bombed" the address book, threatened the victim’s reputation with insults, obscenity, and insulting pictures of the PS borrower, forcing the victim to repay the debt. Money, commodity fees, interest, and overdue fees are for evil and oppress the people.

　　The above behaviors caused the victims who borrowed on multiple platforms to leave their jobs, divorce, etc., disrupt the normal life, work, and social and economic order of others, and cause bad social impacts. The main elements were Yan Mo and Wang, and the defendant Xu A criminal group with a certain and Zhang as active participants; a criminal group with a certain Wang as the chief element and Zhang and Tan as the active participants.

　　After the trial, the court held that the defendants Yan Moumou and Wang Moumou organized and led criminal syndicates for the purpose of illegal possession, and used the Internet to organize criminal activities of "routine loans", disrupting the order of economic and social life, and affecting badly. Belonging to a criminal group of evil forces, the defendants Yan and Wang, as the chief elements of the criminal group, should be punished in accordance with all crimes committed by the group.

　　The court made the above-mentioned judgment in accordance with the criminal facts, nature, circumstances of each defendant, and the degree of harm to society, combined with the status, role, confession, and confession attitudes in the joint crime.