Loaned 708 million 8 bank employees took a total of more than 9 million ghosts

The former president of Beijing Rural Commercial Bank Business Center Sub-branch Tian Jun was charged with 8 persons including the former president of Shilidiandian Sub-branch and the former president of Dajiaoting Sub-branch, and the chairman of Beijing Huading Credit Guarantee Co., Ltd. Illegal loans of more than 708 million yuan were received and bribes received. The total amount totaled more than 9 million yuan, of which Tian Jun accepted bribes of 7.1 million yuan. It is reported that the investigators recovered half of the fraudulent loans and some counterfeit paintings.

Yesterday, this huge loan fraud case was held in Beijing No. 2 Intermediate People's Court. The case involved 18 defendants such as Beijing Rural Commercial Bank and a guarantee company. They were involved in fraud charges, illegal loans, and bribery of non-state workers. Eight counts of sin. The case is expected to continue for five consecutive days.

False loans 708 million

At 10:10, the trial began. Hu Yi and 18 other defendants were brought to court by the judicial police.

The prosecution alleges that between December 2007 and December 2008, Hu Yi and his ex-wife Li Jingjing directed the company’s staff and used the identity of the borrower to sign a “loan contract” with the bank, from the Beijing Rural Commercial Bank’s large rural sub-branch. The Bali Branch branch fraudulently obtained more than 250 loans, totaling more than 447 million yuan.

From September 2008 to February 2009, Hu Yi and Li Jingjing also allowed fake dealer Zhang Wei to purchase more than 40 company business licenses without real business background, or use other company’s business licenses, used by Zhang Wei and company employees. For the company's business licenses mentioned above, the fictitious company needed liquidity and other facts, and took false guarantees and other means to seize 45 loans from the Beijing Shijiadian Branch of Beijing Rural Commercial Bank, amounting to a total of 261 million yuan.

Hu Yi served as the president of Beijing Rural Commercial Bank Branch, Tian Jun, the Assistant to President Liu Lihua, the Deputy Manager of the Credit Approval Department Zhang Jia, the President of Beijing Rural Commercial Bank Shibilidian Branch Zhu Liguo, and the Deputy Governor Shi Zhenyong. Sun Jianhua, President of Beijing Rural Commercial Bank Da Jiao Ting Branch, Deputy Governor Li Huan Renmin, Hong Kong Dollars, Cars, Watches, etc., totaled RMB 4.78 million and HK$1.45 million (equivalent to RMB 1.269 million), worth a total of RMB 360 More than RMB 10,000, a total of more than RMB 9 million. Tian Jun and eight other Beijing Rural Commercial Bank personnel illegally issued loans for Hu Yi.

Hu Yi was charged with loan fraud and paid bribes to non-state workers.

Young veteran VIP customer

The principal criminal Hu Yinian was only 30 years old. He is from Beijing and has a high school education level. He was the chairman of Beijing Huading Credit Guarantee Co., Ltd. before the incident. Regarding the alleged fraud of more than RMB 708 million and the bribery of bank workers, Hu Yi said in court that it was “substantive”.

Hu Yi said that in 2004, he had made false loans to China Construction Bank and established a real estate company together with his ex-wife and the second defendant, Li Jingjing, to use the fraudulent loan to resell second-hand housing. After losing money because of the bad situation. Subsequently, he established Beijing Huading Credit Guarantee Company to engage in credit guarantee business for personal mortgages. In 2007, he was introduced by an executive from Beijing Rural Commercial Bank and met Tian Jun. Tian Jun’s business center sub-branch was a sub-branch of Beijing Rural Commercial Bank, and he controlled 4 branches including Da Jiao Ting Branch and Shi Shi Li Branch. Branches.

Hu Yi confessed that he was trying to buy the property organized by the court for auction, but there was no capital, so he wanted to bid for the property after the loan and then sold it. Soon, Hu Yi and the legal representative of the company Anton went to talk about cooperation with the bank. Liu Lihua, assistant to the president of the Central Business District, and Yan Xuesong, deputy manager and Zhang Jia, deputy manager of the credit approval department received them. Hu Yi said that the people of the bank were very active at that time. In fact, Beijing Rural Commercial Bank is now beginning to "test water" mortgages and is looking for partners. After Hu Yi met, the two sides quickly signed an agreement on second-hand housing loan business, and Zhang Jia, deputy manager of the credit approval department, was responsible. Hu Yi said that Zhang Jia soon introduced that he had met with Sun Jianhua, the president of the Rural Sub-branch Branch of the Rural Commercial Bank, and that the branch was responsible for this business.

The bank was accused of cheating on credit

Hu Yi said in court that at the beginning, all he did was normal business, but the real estate market was sluggish and business volume was low. At the end of 2007, Zhang Jia knew that he was introduced by Tian Jun. He also knew that he had other companies in operation and offered to use alternative loans to provide Hu Yi with liquidity and to the vice president of Da Jiao Ting Branch. Proposal: "Hu always makes a lot of money, we make some little money," and Hu Yi is required to give benefits.

Hu Yi said that Zhang Jia's proposed alternative is false mortgage. At first, they took the false second-hand housing personal mortgage loans, all the loan materials are false, second-hand housing sales contract, etc. are filled out and signed by the company staff. Hu Yi said that the company has a large amount of personal customer loan information. He uses these old materials to fabricate false home purchase facts. Hu Yi said that all of his company's loans, the bank did not perform the review process.

Later, due to the slow transfer rate of the Da Jiao Ting Branch, Zhang Jia introduced Hu Yi to the senior vice-president of the Shili Branch, so that they also disbursed some liquidity loans in disguise. Hu Yi said that the other party also “actively cooperated”. .

Banks work overtime for three days and nights

According to Hu Yi, in October 2008, two buyers who had been stolen identity data found that they had a loan record under their name and complained to the head office of the Rural Commercial Bank. The head office immediately launched an investigation.

Hu Yi said that in order to solve the problem, the company quickly reassured two buyers, quickly re-approved the procedures, paid off their loans, and gave them a "sealing fee."

Tian Jun, on the other hand, shied away from the head office, while symbolically checking the loan business provided by Hu Yi and urged Hu Yi to pay off all loans.

Hu Yi said that in order to make up for mortgage loan materials, he organized the company's employees and Zhang Jia and other bank personnel to work overtime for three days and nights. The supplementary contents included ID cards, account books, title certificates, and assessment reports.

During the overtime period, a staff member named Chang Hao of Hu Yi Company actually found his brother-in-law among the fictional sellers. So he threatened to extort the $1.7 million from Hu Yi. "At that time, I didn't want to have caused the entire system to collapse because of something minor," Hu Yi said. He then gave Chang Hao 1.7 million in cash.

Cheat loan for gambling buy painting

After avoiding the inspection of the headquarters, Tian Jun and others understood that Hu Yi was unable to repay the mortgage. In order to make a hole, they also think of another way to swindle a loan - a small business loan that cannot be easily investigated. It is reported that small business loans are loans issued by banks to small business customers with stable production, mature product requirements, reliable sales channels, and certain credit.

Hu Yi said that under the guidance of Zhang Jia and others, he used Zhang Wei to buy a full set of formalities including more than 40 business licenses for companies with no real operating background, and then used these companies to defraud small business loans at the Shibalidian Sub-branch. In the past few months, it had cheated on more than 261 million yuan in loans, plus more than 447 million yuan in fraudulent loans from second-hand houses, totaling more than 708 million yuan.

Regarding the whereabouts of the case, the public prosecutor stated that the 261 million yuan small enterprise loan fraudulently obtained by Hu Yi and others had not been withdrawn from the bank and caused no major losses. But with hundreds of millions of yuan of second-hand mortgages, Hu Yi did not operate a judicial auction project. “So much money really got it, and he started squandering.”

According to reports, Hu Yi loves calligraphy and calligraphy. He borrowed tens of millions of yuan from fraudulent loans to collect calligraphy from the antique market. In addition, he also went to Macau to gamble, invest in stocks, bribe bank cadres, and buy a house to buy a car. Hu Yi said that when his ex-wife had his birthday, he gave her a Mercedes. The only tens of millions were used by him to repay bank loans.

In the end, the investigators only recovered half of the fraudulent loans and a large number of paintings. According to the judicial appraisal, Hu Yi bought hundreds of ancient paintings at the price of genuine products, all of which were fakes.

One official seal exposed on the screen

The horrific scam created by Hu Yi and the bank's personnel was destroyed on the official seal.

On February 27 last year, Hu Yi’s ex-wife Li Jingjing paid a small business loan and went to the Rural Commercial Bank Business Department to apply for a credit card. The bank teller discovered that the company’s official loan had not been covered with ink pad. After detailed investigation, the teller found that the seal was false, and the police alerted him. The police rushed through the cane and found out that this was a fraudulent loan case.

Li Jingjing was arrested. Hu Yi fled to Tianjin overnight. Along with him, Yan Xuesong, a 43-year-old female manager of the credit approval department of Beijing Rural Commercial Bank District Branch, was also employed. Hu Yi said in court that Yan Xuesong, who had originally helped to illegally distribute loans, later developed into a male-female relationship with him. Yan Xuesong once helped Hu Yi transfer calligraphy and painting. Xu Kechang, an employee of the company, is responsible for helping Hu Yi check in at the hotel on the Internet. In the end, Hu Yi was still arrested a week later.

Yesterday, the five-hour trial only completed the interrogation of five defendants such as Hu Yi. Today, the court will continue to hear the case. Tian Jun and other bank personnel will continue to “pass”. The case is expected to end after five consecutive trials.

The reporter learned that after the huge fraudulent loan case was filed in February 2009, the regulatory authorities made suggestions to Beijing SASAC and Beijing Rural Commercial Bank to exempt Beijing Rural Commercial Bank’s former Governor Jin Weihong and Jiang Jinhong, former deputy governor in charge of credit. Positions. Last May, Beijing Rural Commercial Bank officially suspended the above two senior executives. Four months later, Beijing Rural Commercial Bank appointed a new president and two vice presidents.

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