Suddenly a loan of 1.55 million was added to the name, and the interest has accumulated 770,000
Agricultural Credit Risk Control Alarm: A farmer in Loufan, Shanxi, "being loaned" to become a "millionaire" and also on a "blacklist"
Our reporter Zhao Yang
Li Jiandong, a farmer in Xialongquan Village, Jingyou Town, Loufan County, Taiyuan City, Shanxi Province, plans to buy a house for his son Li Cheng in the county seat. His own financial ability does not allow him to buy a house in full, so he considers mortgage in installments.
When handling the mortgage business, I suddenly discovered that his son Li Cheng had entered the blacklist of the banking system, and there was a problem with the credit investigation. The inquiry found that his son had a loan debt of 1.55 million yuan.
What makes Li Cheng even more depressed is that due to long overdue, the loan he has never seen has already generated 770,000 yuan in interest, and it is still accumulating.
How did this strange loan come from?
How should "Millionaire" Li Cheng get out?
What regulatory loopholes did the incident reveal?
Xinhua Daily Telegraph reporter launched an investigation into this.
Farmers turned into "millionaires"
Li Cheng was confused when he learned that he had been "loaned," and followed the information in the credit report and hurried to the county credit cooperative to inquire.
Printing the transaction flow "Customer Accounts" found that on September 28, 2012, Li Cheng suddenly added two more money, namely, a cash deposit of 345,000 yuan, a loan opening of 780,000 yuan, and the loan counter was repaid on the same day. The transaction method of payment and loan transfer was taken away.
According to the bill, the transaction institutions were all "Loufan Majiazhuang Credit Cooperative", the operator of the first transaction was "123580", and the last three transactions were "123574".
"I have borrowed more than one million yuan and I don't know who is allowed to spend it, but the debt is quietly hung in my name. Once the lawsuit is brought, I will become a'lao Lai'."
The staff of the credit union informed Li Cheng that due to the long overdue period, 770,000 yuan has been generated in interest alone, and the interest is still accumulating.
The flawed credit materials successfully passed the review
Li Cheng checked his credit file, which contained many false materials.
He discovered that someone had faked his name, went through the loan procedures, passed the review, and finally successfully obtained the loan.
The signatures on some key materials in the credit file were not handwritten by Li Cheng; he fabricated the loan purpose in a decent manner. The first loan was used to purchase a truck for running and transportation, and the second loan was used to contract 20 acres of land. Cultivate saplings; a total of 5 people guarantee loans for themselves, 2 of them only know who they are but do not have a deep relationship, and the other 3 are ignorant of their lives and do not know each other; in a "Village Identity Certificate" material, Li Zhizhi is under Jingyou Town In Longquan village, the village committee of Loujiazhuang Village in Loufan Town affixed the official seal and issued proof materials.
In contemplation, Li Cheng recalled that he had met a credit union loan officer through another villager in the early years. The loan officer had borrowed his ID card from him and said that it would be convenient to get a new card.
Due to circumstances, the ID card was borrowed once by the loan officer.
"I just used your name. If you repay the loan, I will be responsible for the repayment of the house and land." In a recorded conversation, the loan officer readily admitted that he had borrowed the loan under his own name and said that the situation was very similar in the past few years. Generally, you can find a farmer's identity information at random, and an insider can perform a secret operation to obtain a loan.
In the recording, the loan officer taught Li Cheng how to deal with the dunning, "If the person from the credit union drew you to ask for the loan, you would ask him, is it my loan? Does it have my signature? There is a loan scene. Do you want to declare that you have not taken the money, nor went through the procedures at the credit union.” This loan officer tried to use prestige words to make the colleague in charge of the loan repayment in his unit unable to complete the collection. loan.
Of course Li Cheng was reluctant to do this. "I got on the blacklist, buying a house and buying an agricultural tricycle are all affected. With so many debts, I'm going to collapse!" Li Cheng went to the credit union many times to report the matter, but there was no one. tube.
Can the name be removed from the blacklist?
This is something that "Millionaire" Li Cheng is concerned about now.
Sound the alarm for risk control of agricultural credit
After the incident was exposed, the Loufan County Rural Credit Cooperatives launched an investigation into loan information, credit files, fund trends, and related personnel's duties and performance, and reported the case to the public security organs.
According to the county credit cooperative’s self-examination, the first loan of RMB 345,000 in Li Cheng’s account was paid off on September 28, 2012; on that day, Li Cheng’s account entered the second loan of RMB 780,000, and RMB 780,000 was fully transferred on the same day. Go, follow the transaction records and find that the money was transferred or withdrawn again on the same day, and the current balance is only 898.21 yuan.
The incident involved 5 staff members of the Majiazhuang Credit Cooperative. Among them, Wang Xusheng, the former director of the approver, and Li Yanjun, the former loan officer of the investigator, were committed on December 16, 2020 and May 22, 2020, respectively. He was dismissed from the work unit. He Jinfeng, the investigating post loan officer, Duan Jinmei, the review post teller, and Gao Buhuai, the approval committee loan officer, were on-the-job employees. These three were suspended on December 27, 2020.
Regarding the interest of 770,000 yuan due to overdue repayment of the 780,000 yuan loan, whether the names on the credit blacklist can be eliminated, how many similar situations there are, how the risk control loopholes in agricultural credit will be blocked, etc., the local The credit union did not respond.
The People’s Government of Jingyou Town, Loufan County verified the report on whether the relevant farmers were “a poverty-stricken households”. The lender Li Cheng is 35 years old this year and a villager in Xialongquan Village, Jingyou Town, Loufan County. The poor family, whose father Li Jiandong is 58 years old, is a poor family with a registered card. He has been out of poverty. The father and son are working in Xiaodian District, Taiyuan City.
Geng Yeqiang, a professor at the School of Economics and Management of Shanxi University, believes that the phenomenon of farmers being "taken out of loans" has revealed that the credit prevention and control mechanism is not rigorous enough, and there are internal control loopholes. This not only brings great troubles to farmers, but also harms the local financial ecology.
The investigation and handling of the case should not be delayed for a long time. It is necessary to promptly eliminate the doubts in the hearts of the local farmers and restore the good social image and reputation of the local rural credit cooperatives.
The main leaders of Loufan County stated that the follow-up will promptly announce the results of the investigation to the public. If the investigation finds violations of law or dereliction of duty, they will be dealt with in accordance with laws and regulations to protect the legitimate rights and interests of the people.
The follow-up situation, the reporter will continue to publish in this newspaper and the Xinhua News Agency client "National Shooting".