Behind the fake name of Evergrande Jinan Real Estate: there are many kinds of fake business tickets

category:Finance
 Behind the fake name of Evergrande Jinan Real Estate: there are many kinds of fake business tickets


Similar to Evergrande Jinan, it is not uncommon for such cases to be counterfeited. Previously, several central enterprises such as CCCC first public Bureau Group Co., Ltd., China Construction Eighth Engineering Bureau Co., Ltd., and China Construction Sixth Engineering Bureau Co., Ltd. announced that they were counterfeited to open false accounts and handle business tickets. According to the interviewers in the industry, the main reason for this kind of phenomenon lies in the opacity of bill information.

However, it can be expected that the first financial reporter learned that the Shanghai bill exchange has conducted research on many enterprises on the disclosure of commercial acceptance bill information in December 2019, and it is expected that the bill information disclosure platform will be online in the near future, which will improve the transparency of the bill market and help prevent risks.

Frequent occurrence of commercial ticket fraud

It is understood that in October 2019, Evergrande Jinan found that Jiangsu Boya Real Estate Co., Ltd. was registered and established in the name of the company by someone who engraved the seal privately, and issued a large number of commercial acceptance bills. Then in December, Evergrande Jinan sent a letter to Jiangsu Banking and insurance regulatory bureau to explain the relevant situation.

Evergrande Jinan said: our company is not a shareholder of Jiangsu Boya. The seal of Evergrande Real Estate Group Jinan Real Estate Co., Ltd. affixed to the materials submitted to Changzhou Economic Development Zone market supervision and Administration Bureau when Jiangsu Boya was registered and established is not our companys official seal, but a fake seal engraved by someone, whose behavior has constituted a suspected criminal offence. In this regard, our company has reported the case to the public security organ

Evergrande Jinan also said that the company has explained the situation to Changzhou Economic Development Zone market administration and Supervision Bureau, and requested to cancel the registration decision of Jiangsu Boya. Changzhou Economic Development Zone market administration and Supervision Bureau has accepted and started the investigation, and publicized the matter in the national enterprise credit information publicity system (Jiangsu) on October 30, 2019. In addition, the company also announced the matter on November 6, 2019 Sixteen banks in Jiangsu sent letters explaining the above.

This is a common way of issuing fake tickets, such as forging seals, certificates and other relevant information, and then issuing fake business tickets in the name of large enterprises. But Jiangsu Boyas brilliance lies in that it does not directly issue invoices in the name of large enterprises, but registers the company in the name of Evergrande Jinan in the process of industrial and commercial registration, so as to endorse its invoices, a senior practitioner told the first financial reporter

According to the enterprise investigation information, Jiangsu Boya was founded on October 18, 2019 with a registered capital of 300 million yuan and legal representative of Wang Yandong. In the column of registered shareholders for Industry and commerce, Evergrande Jinan holds 80% of the shares and its subscribed capital is 240 million yuan; the second shareholder is Wang Yandong, holding 20% of the shares and its subscribed capital is 60 million yuan.

The above practitioners told reporters: Jiangsu Boya may have drilled the gap of registration. At present, the industrial and commercial registration does not need to pay in full. In addition, the bank does not need to check the shareholders to open an account. Therefore, it is difficult to prevent the risk of risking to call a major shareholder and false endorsement.

The reporter learned that there are four main links in the business ticket processing: first, the business registration of the enterprise needs to pass the industrial and commercial examination; second, the business opening an account in the bank needs to pass the relevant examination of the bank; third, the opening of the e-ticket function; fourth, the issuing of the business ticket. From this point of view, the problem of Jiangsu Boya lies in the first link.

In fact, in addition to Jiangsu Boya, there are many enterprises that use the name of large enterprises to open a false account in the bank and handle the acceptance business of electronic commercial bills through the false account, that is, to do the article in the second link. In November 2019, China Construction Sixth Engineering Bureau issued a disclaimer on the false issuance of commercial acceptance bills in the name of illegal persons.

In the middle-aged statement, China Construction Sixth Bureau mentioned that some people used false means to falsely use the name of China Construction Sixth Bureau in Tianjin Road branch of Guizhou Zunyi Honghuagang Rural Commercial Bank Co., Ltd., Leping branch of industrial and Commercial Bank of China, Harbin Xuanhua Street Branch of Inner Mongolia ancient Bank Co., Ltd. and laifengzhi branch of Hubei Bank Co., Ltd. by forging seals, certificates and relevant materials The bank opens bank accounts and uses these bank accounts to open false commercial bills. In addition, many enterprises such as China Construction Eighth Engineering Bureau, China Communications First Public Engineering Bureau Group, China Metallurgical Tiangong group and China Construction Fifth Engineering Bureau also issued similar statements.

All in all, these accounts opened under false names are basically new accounts. When opening an account, the authority of e-commerce bill business is opened and bills are issued centrally in a short period of time. However, after being found, such e-commerce bills will usually be withdrawn, settled in advance or locked, and will no longer be in circulation. At present, the commercial acceptance bill issued by Jiangsu Boya has yet to be investigated.

Credit period of bill

In the era of e-ticket, operational risk is more difficult to control, involving multiple systems such as industrial and Commercial Bank of China and Bank of China, said a person from the bill business department of the joint stock bank. This requires all parties to further improve the risk awareness of account opening audit, strengthen examination and verification, and strengthen internal control.

Zhou Haibin, vice president of parkin financial services, said to first finance and economics that risk prevention can be strengthened from three aspects: first, when the bank opens an account at the counter, strictly follow the effective rules and regulations, verify the original on site, verify the legal person on site, and verify the reserved seal (if any) in the image system; second, in the invoicing process, the bank reviews the trade background corresponding to the bill, and the invoice principle Third, the fund supplier shall prevent the risk of counterfeit tickets in advance and verify the rationality of the tickets.

Zhou Haibin reminded us to pay special attention to this kind of bills, such as those where the Bank of deposit is located far away from the acceptance center and the registration place of state-owned enterprises; those where the billing enterprise and the receiving enterprise are affiliated enterprises; those whose account opening behavior is credit union, village bank, private Bank and other banking institutions with small asset scale; those with less total invoice amount and short invoice history; and those whose endorser is the market Enterprises in the blacklist, etc.

More importantly, we need to build a credit system in the bill market, such as strengthening statistics and disclosure of information, providing more comprehensive and accurate information for market participants, eliminating information asymmetry as much as possible, and improving transparency in market information and business. Suggestions from the above bill business department.

First financial reporter learned that the Shanghai bill exchange has conducted research on many enterprises on the disclosure of commercial acceptance bill information in December 2019, including information disclosure method, information disclosure time and overdue bill disclosure time. It is expected that the information disclosure platform of bill will be online soon. Zhou Haibin told reporters that the construction of the bill information disclosure platform is conducive to the risk prevention of the bill market and the optimization of the bill market ecology. The platform can improve the market transparency and the risk identification ability of financial institutions and enterprises by timely releasing public opinion information such as overdue collection, case occurrence and capital loss. In addition, the credit rating of commercial paper is also worth looking forward to, such as the payment enterprise rating different from the four major and China bond rating agencies, or the whole paper rating based on the payment enterprise rating. Source: First Financial Editor: Guo Chenqi, nbj9931

First financial reporter learned that the Shanghai bill exchange has conducted research on many enterprises on the disclosure of commercial acceptance bill information in December 2019, including information disclosure method, information disclosure time and overdue bill disclosure time. It is expected that the information disclosure platform of bill will be online soon.

Zhou Haibin told reporters that the construction of the bill information disclosure platform is conducive to the risk prevention of the bill market and the optimization of the bill market ecology. The platform can improve the market transparency and the risk identification ability of financial institutions and enterprises by timely releasing public opinion information such as overdue collection, case occurrence and capital loss. In addition, the credit rating of commercial paper is also worth looking forward to, such as the payment enterprise rating different from the four major and China bond rating agencies, or the whole paper rating based on the payment enterprise rating.