1.20 10 In September, Lu Xiaojun let You and Wang Lai enter xinghua city Postal Savings Bank to guarantee a loan of 240,000 yuan. It was not until Xinghua Postal Savings Bank made a dunning that it was known that the nominal borrowers were Liu (ID number: 321083198304264373) and Yamaha (ID number).
In this loan, Chen Hui and Lu Xiaojun made a lot of false materials in partnership. For example, when she visited the Liu family, she fabricated Liu's factory, found a factory at random, took photos and made a fake daily report for Liu. When making materials for Chen Ming, an escort arranged by Chen Hui signed instead of Chen Ming's wife. At the same time, it is instructed to borrow money on the pretext of buying a car; In fact, all the money was taken from the bank by Lu Xiaojun under the arrangement of Chen Hui.
After the loan expires, Chen Hui repays 6,543,800 yuan+200,000 yuan for Lu Xiaojun. We have a telephone recording of her talking with a nominal borrower about it. ) We can't understand why Chen Hui, the loan officer, has to repay the loan of 6,543,800 yuan+0.2 million yuan for Lu Xiaojun. There is only one reason, and Chen Hui also got 6.5438+200,000 yuan.
Xinghua Postal Savings Office always tells the borrower Liu that without your business, you can't get the money and you can't repay it. We ask the guarantor for money. If you don't pay back the guarantor, Yun Sheng, we will ask the court to execute it and copy you as the guarantor!
In court, the Postal Savings Office can't prove the legality and rationality of the loan by presenting the borrower's signature for handling the loan procedure and taking the loan signature.
The borrower does not have a loan bank card, but the loan bank card has the signature of the borrower Chen Hui. And taking away the loan of 240,000 yuan was also arranged by Chen Hui to impersonate the borrower to sign and withdraw money, not the borrower's. Excuse me: the borrower did not apply for a bank card. Whose card did the money go to and who took it away? Why can't the bank come up with the formalities signed by the borrower?
2.20 1 1 February, Chen Hui cooperated with Lu Xiaojun again and borrowed 80,000 yuan from xinghua city Postal Savings Bank in the name that Wang Changshan needed capital turnover. Lu Xiaojun asked Shen to sign the letter of guarantee.
In this loan, Chen Hui made many fake materials. The reason for the loan is that Wang Changshan is engaged in waste business and needs capital turnover. However, when I went to Wang Changshan's home to do an investigation, under the careful arrangement of Chen Hui, I randomly found a waste collection station to take photos as an entity of Wang Changshan; And deliberately compiled a fake log for Wang Changshan; When photographing Wang Changshan's house, they arranged to photograph the neighbor's good house because Wang Changshan's house was old.
When the guarantor signed, Shen signed in the car arranged with Lu Xiaojun. Under the arrangement of Chen Hui, Lu Xiaojun used Wang Changshan's ID card to set up a bank card and applied for a loan.
20 1 1, Wang Changshan repeatedly asked Chen Hui when the loan would come down. And Chen Hui always said that there is no indicator this year, and we will talk about it later; In fact, the loan was taken by the arranger in Chen Hui pretending to be Wang Changshan. When urging for a loan, Chen Hui always tells Wang Changshan that this matter has nothing to do with you. You didn't get the money, so you don't want to pay it back. We ask the guarantor for money! It was natural for the borrower to pay back the money when it was due. Why not ask the lender to pay back, but ask the guarantor to pay back!
The loan was issued by Taizhou Banking Regulatory Bureau when it was discovered that there were serious violations of laws and regulations in Chen Hui.
3.20 1 1 In August, Chen Hui and Lu Xiaojun joined forces again, and defrauded the bank and defrauded the xinghua city Postal Savings Bank of a loan of RMB 240,000. Chen Hui asked Liu Xiaojun to find Li Zhenghua and Liu Jishi (ID number: 321083196310256172) as guarantors in the names of Lv Niancun, Lv Nianbao and Ji Zhenru, and arranged them in two batches. There are many fake materials, such as borrowing money on the grounds that Ji Zhen needs money to open a hotel, but Ji didn't open a hotel! Lu Niancun doesn't need a loan at all. Chen Hui and Lu Xiaojun cheated Liu Niancun of Yangzhou to sign the words in July, but the money was given to Lu Xiaojun by Chen Hui! Chen Hui knew that "whoever borrows and uses it" deliberately violated this principle. As a bank loan officer, how did Hui knowingly commit a crime? ! To this end, we have repeatedly asked Xinghua Postal Savings Bank to recover this loan, but Xinghua Postal Savings Bank has always ignored it! Do you have to wait until the loan expires to ask the guarantor for money?
Fourth, Chen Hui also borrowed 240,000 yuan from xinghua city Postal Savings Bank in the name of Chen Youzhi and Shen, and the money was taken away.
Chen Hui partnered with Lu Xiaojun to defraud Xinghua Postal Savings Bank of loans totaling at least 800,000 yuan, and also borrowed money from Xinghua Postal Savings Bank in his own name.
Most of the loans are made by borrowers who they think are unable to repay, and then several compensatable guarantors are found to repay them.
According to the relevant regulations, the guarantor must be able to compensate. In a short period of one year, the guarantor Li Zhenghua repeatedly guaranteed three times in the same branch of xinghua city Postal Savings Bank, with a total amount of 400,000 yuan (the first time for Lincheng teacher Xu 80,000 yuan, the second time for Wang Changshan 80,000 yuan, and the third time for Lv Niancun, Lv Nianbao and Ji Zhenru 240,000 yuan). Liu Xiaojun said that all this was arranged by Chen Hui, and Li Zhenghua was arranged to guarantee several loans and passed the examination!
Although the amount we reported is only 800,000 yuan, we believe that with the in-depth investigation of relevant departments, the amount involved will gradually increase, and we will continue to collect evidence and constantly reflect this incident, so that the offenders will bear corresponding responsibilities!