|
|
Statistics show that the companies involved or have been canceled, no annual or long-term.
After WASHINGTON (reporter Liu Yi Ming Shang Jianqing) newspaper reported the day before yesterday, "6 senior illegal lending 500 million yuan of principal and interest for naught," a paper published in the paper, attracted widespread concern in the community. Reporter through in-depth interviews, I learned from the insider cases this leads to 500 million cases of loss of funds, Xingda Group Malicious Piandai, rural credit cooperatives senior strict, is the main reason this case occurred. Xingda Group and Chairman of Kwong Tin Xuan company allegedly linked to as many as 23 much as he used shell companies within the group as a mutual guarantee, created this alarmed the South China Sea Piandai case, who is still at large.
Loan companies only have a shell factory use only Piandai
Central figure: Kwong Tin Xuan
Speaking of this terrible scam, I have to say a figure: Kwong Tin Xuan. Xingda Group's affiliates include Nanhai Xingda Motorcycle Co., Ltd., Nanhai District Donghao non-ferrous metallurgy plant, Nanhai District Xingda Technology Co., Ltd., Nanhai District Jinpeng copper plant, the East China Sea area Croucher odd Britain and other non-ferrous Metal Factory, and Kwong Tin Xuan is the company's legal representative and the actual control of man, he is still at large.
Reporters yesterday by registration records Nanhai District Trade and Industry Bureau of inquiry to order Kwong Tin Xuan for investors or the legal representative of registered businesses actually reached 17, and another three are associated with it, which 20 companies have largely written off or final inspection time more than one year.
Nanhai District Prosecutor's Office believes the suspects were Kwong Tin Xuan and Xu Pei, other human defrauding a bank loan in the name of themselves or others in the business sector registered a shell company set up, then these shell companies for the loans subject, respectively, to the South China Sea Rural Credit Cooperatives Dali huge loans of rural credit cooperatives and cheat.
Means a:
Just as false as the production line
Nanhai Xingda Motorcycle Co., for example, the company despite the poor operating conditions,louboutin soldes pas cher, often discontinued, but still has been operating, the loss of the sale of the product; and if Nanhai Dali Xingda Technology Co., Ltd., which was established in November 2000 May 23, but only a small workshop of the factory, only one production line, from inception to close down altogether assembled hundreds of computers, although later expanded to four production lines, long-term recruit a large number of production workers, but not production, just someone to visit When, in particular when the bank personnel, Kwong Tin Xuan requires employees to pretend production, made the illusion of normal production, and after that she owed wages to workers forced to leave in order to achieve the purpose of fraud bank loans. By this means, Kwong Tin Xuan manufacturing the illusion of normal, thus defrauding Huang Chan et al end trust, that the plant is still in normal operation.
From between August 1999 to April 2000, Kwong Tin Xuan Xing Da Motuo loan subject to the fictional need money to buy raw materials or liquidity name, there is no guarantee the ability to Nanhai Dali Qicha Economic Association and the South China Sea City Lek Jinpeng copper plant (the plant actually Kwong Tin Xuan wholly-owned) as a guarantee, to 135.6 million yuan of rural credit cooperatives defrauding loans.
To begin in April 2000 said 135.6 million yuan loans come due, Kwong Tin Xuan and Huang Chan end collusion et al.,even the total number of stud, New for old loans.
Means two:
False statements to deceive exchange
July 2000, Kwong Tin Xuan, Xu were training, , who use the South China Sea RCCs pioneering bank acceptance of new business opportunity, fictitious shell companies to Xing Da Motuo to the Kwong Tin Xuan actual control of the South China Sea city of Dali village accounted Machinery Factory buy motorcycle Accessories in the name of rural credit cooperatives have applied to the South China Sea 9 strokes total of 85 million yuan bank acceptance bills.
To this end, the suspect Xu were training, at Kwong Tin Xuan incite, instigate financial officers ,three police forcibly blows d, who made false financial statements, loan applications, etc., by the of false financial statements for review by the promise are Pei, Cao Qiongfang making false Xingda Motorcycle Machine Factory to occupy the village to buy motorcycle parts sales contract and VAT invoices,piumini moncler sito ufficiale, Xu Pei are responsible for contacting the credit cooperatives staff, and loan officers came to investigate making false statements.
In this way, Kwong Tin Xuan guarantee not to have the ability to guarantee Jinpeng copper plant, cheat Nanhai Rural Credit Cooperatives has three entrusted to the Shenzhen Development Bank on behalf of open 9 strokes total of 85 million yuan acceptances to Xing Da Motuo.
Six months after the expiration of acceptances, Kwong Tin Xuan Huang Chan has found the end, Liang Feng et al ceremony, "the prime new-old" approach to extension, to conceal the crimes. Currently Identified Xingda Motorcycle total principal 180,483,214.71 yuan, interest owed 113,the defendant Dai Hongyi drin,119,210.21 yuan can not be recovered.
Hasty approval study formality deeper fear bad debts
Central figure: Huang Chan end, Liang Feng ceremony
Huang Chan end aged 69, in 1996 transferred to the South China Sea Rural Credit Cooperative Union work,woolrich outlet italia, director and Party branch secretary, retired in May 2001. Liang Feng, aged 58 ceremony, began in 1993 in the South China Rural Credit Cooperatives deputy director, in August 2000 to 2004, served as director of the post.
Nanhai District Procuratorate accused,moncler outlet milano, Huang Chan end 6 people Xingda Group and its affiliates in the audit process of corporate loans, dereliction of duty, did not do the work of audit checks, Xingda Group and its associated companies to provide loans and guarantees the authenticity of the material business whether to guarantee qualification, no serious work to perform three investigations, false information knowingly corporate loans, companies have a large number of loans not returned, do not have the ability to repay,Fan Ming also spent more than, still easily issuing huge loans to the South China Sea believed society caused huge loan losses.
Vulnerability one:
Audit information only going through the motions
Reporters learned that Huang Chan end when the handling department statement said that when approving loans, the general loan business is to look at the procedures are complete, whether there is business licenses, whether normal operations, anticipated profitability, etc. Can, arbitrary large, and not completely in accordance with the General Rules on Loans, Commercial Banking Law or superior credit management department issued planning to audit.
When asked whether there is to the corporate site visits, the yellow side expressed praise went to the scene, but now have forgotten the exact location. In the time to visit, he also has called on the beam ceremony Feng et al., But just listen to the presentation of the persons concerned, no in-depth understanding of business too.
"When people say that business presentation is very good, to expand the production line, need to buy copper from credit cooperatives." Liang Feng ceremony later recalled he said in the case of Jinpeng copper plant examined.
Vulnerability II:
Excessive credit cooperatives deeper examination
"Around 1999, I felt there is a serious problem with these loans corporate interest repayment capacity and also capacity." Said Huang Chan end, for example, the following Xingda Group Jinpeng plant Tung Ho and mutual guarantee loans, in fact, the boss is Kwong Tin Xuan , in fact, there is no guarantee. Huang Chan end said that although lending will continue to realize there is a greater risk that time, but still hold the psychological luck, hope to use the new credit funds to revitalize the enterprises, to recoup their losses.
Liang Feng ceremony to accept the inquiry handling units,nike tn pas cher, then say a more direct reason: "If loaned the new-old, non-performing loans on the rise, this is the system will automatically be reflected, with such overdue loans, by the end of credit cooperatives NPL index assessment on the failure, and this is what I have been most worried about, so although I know they are illegal, but for the whole credit unions can get away with,foreign people she has said that he is 18 years. "We were living together and occur two or three times a sexual relationship." Qiang said., and only doing so. "
RCCs executives respond
Former regime did not affect the current operation of irregularities
Xiao Han is currently Nanhai Rural Credit Cooperative Union chairman and party secretary. In November 2004 to January 2007, he was transferred to the South China Sea from Shaoguan rural credit cooperatives of rural credit cooperatives as director, to fill the vacancies Liang Feng ceremony. Reporters learned yesterday from the stakeholders, Xiao Han in this case, also the South China Sea RCC lending procedures, recovery loans, and accept the investigators ask authorities.
He said that after he took office, found that before the RCC loan system is not standardized, incomplete link. Mortgage loan before the survey is not implemented, is not strict when reviewing the loan after the loan approval is not serious. Since then, the rural credit cooperatives began to examine the implementation of the system to develop a series of loans, such as the "South Sea RCCs lending practices" on the major aspects of all operational aspects of credit control and risk control principles, etc., to develop and improve within three years Related credit system amounted to more than 30.
In addition, they also integrate business units, the credit management department positioned to fulfill a special department of risk management, delegation of authority in the credit business, to establish a balance between risk control and efficiency of the system. RCCs also set up a non-performing loan liability recognized organization, the implementation of strict accountability, strict assessment of loan quality.
For the recovery of the remaining problem loans, Xiao Han expressed in interrogations Xingda loans to set up a task force in charge of the case to relevant companies Xingda post-loan management and collection; increase efforts to clear income, start proceedings to try be recoverable through legal channels; the practical implementation of the loan collection system and strengthen the statute of limitations preservation work; the establishment of quarterly and annual summary censorship regime.
Yesterday, the reporter responsible Nanhai Rural Credit interviewed expressed intentions. The official said the case is still in the trial stage, they inconvenience to express their views on the merits, but the agriculture community in recent years, the gradual improvement of the system, I believe that this case does not affect the operation of rural credit cooperatives now.
Loans "Executives have the final say," the Evolution
It is understood that, in the early 1990s, bank lending is often one person, as long as the main person in charge to get a bank loan is easy, but into the late 90s of last century, this "high tube final say "things have become less and less, the reporter interviewed yesterday, some of the industry, understand this," Past and Present executives have the final say, "the situation.
Before: long-distance thing loan approval row
A bank insiders, in the early 1990s, due to the bank loan approval regulatory system is imperfect, bank loan approval is often "a final say," as long as the bank is mainly responsible stroke of the pen, millions of funds fall into private pockets, this is not yet the loan ultimately,8UCnjW2J1W, whether to pay off within the prescribed period, all become uncertain, the bank's bad debts, bad debts resulting.
"This time a lot of business owners and approvers are often likely to be tied to a Rope grasshopper, bribery, bribery hundreds of thousands,does not make clear the above, but also the resulting major cases." A battle-hardened veteran of the bank He told reporters.
Now: strictly regulate supervisory approval
With the issuance of credit started to take strict specification limit on the amount, loan approval separation, pre-loan, loans, the loan after the approval of a comprehensive monitoring system 'three examinations' system and so on, so that bank credit business from out of "one person have the final say."
According to the Bank of China Foshan Branch relevant responsible person said, at present four major state-owned banks in Foshan and nine joint-stock banks, all use the trial, loans separation system,in less than two months time, the establishment of a number of sector credit business, credit review, credit management, credit operations department responsible for the loan before the review and make the credit application, credit approval and review by the special committee voted, if the credit application is rejected by the assessment committee, even if not approved by the governor to come forward.
In addition, each bank branch to different levels in the approval authority, the approval quota and others have strict restrictions.
According to the deep issue relevant person in charge, individual loan applications within a certain amount range by Foshan Branch review, but if you exceed a certain amount, you must provincial branch or head office involved in the assessment, the following branches have no right to review. |
|
發表於 2015-12-9 12:28:28
收藏