The bank was once again forced to hold: it was cheated to lend more than 100 million shareholders in four years and became a Laolai

category:Global
 The bank was once again forced to hold: it was cheated to lend more than 100 million shareholders in four years and became a Laolai


Recently, Shandong Huimin Rural Commercial Bank Co., Ltd. (hereinafter referred to as Huimin rural commercial bank) was enforced by the court for failing to perform its legal obligations on time. Tianyan investigation shows that Huimin rural commercial firm, as the person to be executed, was filed on February 24, which was executed by the peoples Court of Huimin County.

What are the detailed reasons for the enforcement and the impact on Huimin rural commercial bank? The head of the relevant department of the bank told the reporter of China times that he was outside now and will contact later. But since then, the reporter has not received a reply from Huimin rural commercial bank.

In fact, before being enforced by the court this time, Huimin rural commercial bank had multiple cases of loan fraud in succession in more than four years after the reform of rural credit cooperatives, involving a total amount of up to 100 million yuan.

In addition, the reporter noted that the quality of shareholders of Huimin rural commercial bank also needs to be improved. The public information shows that all or part of the equity of 10 shareholders of the bank is in the pledge state, of which the earliest equity pledge time is September 2016; 4 shareholders are dishonest companies publicized by the Supreme Peoples court, 9 shareholders have been ordered by the court to restrict consumption; 5 shareholders have been listed in the abnormal list of business operation due to falsification of information publicized by the company.

Over RMB 100 million of loans cheated in 4 years

Huimin rural commercial bank, formerly Huimin County Rural Credit Cooperative Association, was restructured into an agricultural commercial bank at the end of 2015. At the founding meeting and the first meeting of the first shareholders meeting of Huimin agricultural Commercial Bank held at that time, the regulatory authorities and the provincial Associated Press expected the bank to become a modern joint-stock commercial bank with sufficient capital, clear property rights, perfect governance, strict internal control, good finance and efficient service.

However, in the four years since Huimin agricultural commercial bank was founded, there have been many cases of loan fraud involving more than 100 million yuan.

According to the criminal judgment of Huimin County Court, in November 2015, Cui Kai, the defendant, was unable to continue to apply for loans in financial institutions due to his overdue loan of 800000 yuan in Huimin County branch of Agricultural Bank of China, resulting in poor personal credit investigation, so he changed the legal representative of Huimin County Dahua Network Industry Co., Ltd. he operated to his wife and sister Mei, and then took Mei as the law In the name of Huimin Dahua Network Co., Ltd., the designated representative, applied for loan to Chenji branch of Huimin agricultural commercial bank on December 28, 2015, fabricated the purpose of false loan, provided the false purchase and sale contract signed with Zhao Mou, the legal representative of Huimin Shixin chemical fiber products Co., Ltd., and obtained the loan of 1 million yuan on January 7, 2016.

On January 29, 2016, Cui Kai was released on bail by Huimin County Public Security Bureau for suspected loan fraud. On December 22, 2016, Shandong Huimin Huapeng decoration materials Co., Ltd. provided funds to Cui Kai, and Cui Kai repaid the loan of 1 million yuan to Chenji sub branch of Huimin agricultural commercial bank.

Zhao is the actual controller of Huimin County shengerda Building Materials Sales Co., Ltd. and meishengda new building materials Co., Ltd. On December 23, 2016, Zhao provided loan information such as false product purchase and sale contract and false financial statement to Chenji sub branch of Huimin agricultural commercial bank through shengerda company, defrauding the loan of 9.8 million yuan, and used the loan to repay the loan of 10 million yuan of meishengda company in Huimin agricultural commercial bank in 2013. On December 20, 2017, the loan of 9.8 million yuan was overdue.

On July 1, November 23 and November 24, 2016, Xiong Zhengjie, the actual operator of Huimin Fenghe Wood Industry Co., Ltd., made use of the false financial statements and product purchase and sale contracts to respectively handle loans of 10 million yuan, 5 million yuan and 10 million yuan from the bank in the name of Fenghe company, totaling 25 million yuan; on April 13, 2017, Xiong Zhengjie, the actual operator of Huimin Zhengyuan home furnishing Co., Ltd., made use of the false money Financial statements and product purchase and sales contracts, in the name of Zhengyuan company, handled loans of 9.5 million yuan. The above-mentioned four loans have been overdue, and the relevant companies and responsible persons are subject to legal sanctions for committing the crime of loan fraud.

According to a criminal judgment issued by Huimin County Court, in 2016, Ren three times defrauded Huimin agricultural Commercial Bank of 10 million yuan and 10.7 million yuan of loans with false Apple purchase and sale contracts and false financial statements.

On June 14, 2016 and November 17, 2016, Dong ran, the legal representative of Shandong Huimin Qianyuan flour Co., Ltd., applied for two loans totaling 8 million yuan from Shimiao sub branch of Shandong Huimin agricultural commercial bank in the name of Shandong Huimin Qianyuan flour Co., Ltd. by using false product purchase and sale contracts and false financial statements; on November 10, 2016, Dong ran used false financial statements to apply for two loans totaling 8 million yuan In the name of minqianyuan flour Co., Ltd., a loan of 3 million yuan was obtained from Shimiao sub branch of Huimin agricultural commercial bank. The above three loans totaled 11 million yuan and were overdue.

According to the criminal ruling of the second instance of Binzhou intermediate peoples court, from 2015 to 2017, Hu Yunlei and Hu Tongjun provided false purchase and sale contracts and financial statements to defraud Huimin agricultural commercial bank loan of 7 million yuan from Huimin wanshouyuan flour Co., Ltd. operated by them and 29.5 million yuan from Huimin agricultural commercial bank in the name of Huimin nuoyao grain and Oil Co., Ltd.

It can be seen from the above cases that the crime means of the enterprises involved in the case is relatively simple. Basically, they cheat the success of loans with false purchase and sale contracts and financial statements, involving more than 100 million yuan, which is not a small number for the Huimin agricultural commercial bank with registered capital of only more than 400 million yuan.

The reporter noted that in recent years, the regulatory authorities have repeatedly punished Huimin agricultural commercial bank, all of which involved prudent operation and loan granting.

In May 2017, Huimin agricultural business bank was fined 400 thousand by the Binzhou Banking Regulatory Commission for serious violations of prudent operating rules and other illegal facts. In July of the same year, the bank was fined another 400 thousand yuan for its illegal behavior such as the serious breach of duty before the loan investigation. In June 2018, the bank was fined 3 million 150 thousand yuan for illegal loans and other cases. The group customers who have exceeded the proportion of credit balance still increase credit and credit management disorderly, and are fined 300000 yuan.

Shareholder quality to be improved

In fact, the quality of shareholders of Huimin rural commercial bank is more worrying than the illegal issue of loan granting. Public information shows that the bank has a large number of shareholders, with 182 registered shareholders. The major shareholder is Shandong Liufu Real Estate Development Co., Ltd., holding 2500 shares, accounting for 5.98%.

Tianyan inspection shows that 10 enterprises and individual shareholders of Huimin agricultural commercial bank are in a state of pledge. Among them, Shandong Liufu Real Estate Development Co., Ltd., a major shareholder, will pledge 20 million shares held by Shandong Jiyang agricultural commercial bank on August 8, 2018. In addition, Shandong Huimin Huixiang Special Steel Co., Ltd. and Shandong Lifeng Heavy Machine Tool Co., Ltd. pledged 5019695 shares and 101866600 shares in September 2016, and the pledgee was Huimin County zhanchi Agricultural Technology Co., Ltd.; that is to say, the two companies pledged their equity less than 10 months after Huimin agricultural commercial bank changed its system.

It is worth mentioning that there are four shareholders of Huimin agricultural commercial bank who have been dishonestly executed. Specifically, Shandong Longma Heavy Industry Co., Ltd., Tianxi animal husbandry Co., Ltd., Shandong Lifeng Heavy Machine Tool Co., Ltd. and Shandong Nongxing Seed Industry Co., Ltd.

Among them, from March 2019 to January this year, Shandong Longma heavy Technology Co., Ltd. failed to fulfill all the obligations of eight effective legal documents made by Huimin County Peoples court, Weifang intermediate peoples court, Beijing Changping District Peoples court, Binzhou intermediate peoples court and Ningbo Beilun District Peoples court. Since December 2018, Tianxi animal husbandry Co., Ltd. has failed to fulfill all the obligations of seven effective legal documents made by Qingdao Laoshan District Peoples court, Huimin County Peoples court, Nanjing Lishui District Peoples court, Jiyang County Peoples court and Taian Daiyue district peoples court.

In addition, Shandong Lifeng Heavy Machine Tool Co., Ltd. and Shandong Nongxing Seed Industry Co., Ltd. failed to fulfill the obligations determined by the effective legal documents made by the court for three times respectively.

It is of great concern that the relevant responsible persons of nine shareholders of Huimin Rural Commercial Bank received the consumption restriction order from the court. Among them, Longma Heavy Industry Co., Ltd. was listed as a high consumption limited enterprise by the court 13 times.

At the beginning of January this year, the peoples Court of Huimin County issued a consumption restriction order to Shandong Longma Heavy Industry Co., Ltd., which showed that the court filed a case on January 2, 2020 to execute the application of Shandong Limin power generation equipment maintenance Co., Ltd., the applicant, to execute the contract dispute case of Longma Heavy Industry Co., Ltd., because Longma Heavy Industry Co., Ltd. failed to fulfill the effective legal documents within the period specified in the execution notice In terms of payment obligations, the peoples Court of Huimin County shall, in accordance with relevant laws and regulations, take consumption restriction measures against Longma Heavy Industry Co., Ltd., its legal representative, main person in charge, the person directly responsible for affecting the performance of debts and the actual controller. The following high consumption and non life and work necessary consumption behaviors shall not be carried out: (1) when taking the means of transportation, choose the second-class or above class accommodation of plane, train soft sleeper and ship; (2) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level; (3) purchase of real estate or new, expanded and high-grade decorated houses; (4) lease of high-grade houses Office buildings, hotels, apartments and other places to work; (5) purchase of non business necessary vehicles; (6) travel, vacation; (7) children attend high-cost private schools; (8) pay high premium to purchase insurance and financial products; (9) take all seats of g-head EMU train, other EMU train seats and other non life and work necessary consumption behaviors u3002

(function() {(window. Slotbydup = window. Slotbydup| []). Push ({ID: u5811557, container: ssp_, async: true});)) (); other enterprises that have been restricted from high consumption for many times include: Tianxi animal husbandry Co., Ltd. 12 times, Lifeng Heavy Machine Tool Co., Ltd. 8 times, Nongxing Seed Co., Ltd. 7 times, Shandong peitang bottle Industry Co., Ltd. 5 times, Shandong Binzhou Zhongwang animal husbandry Co., Ltd. 2 times. Not only that, Huimin agricultural commercial bank has five shareholders who were listed in the list of abnormal business operation for the reasons of public information fraud and other reasons. Specifically, Shandong Huimin Huixiang Special Steel Co., Ltd. and Shandong Binzhou Haohan industry and Trade Co., Ltd. have publicized enterprise information to conceal the truth and cheat; Tianxi animal husbandry Co., Ltd. and Shandong Nongxing Seed Co., Ltd. have also failed to publicize the annual report within the time limit specified in Article 8 of the Interim Regulations on enterprise information publicity; Weiji branch of Huimin agricultural commercial bank Failing to publicize the relevant enterprise information within the time limit ordered by the administrative department for Industry and Commerce in accordance with Article 10 of the Interim Regulations on the publicity of enterprise information. Source: Huaxia times Author: Wang Zhongqi, Feng yingzi editor in charge: Xu Meng, nn7485

Other enterprises that have been restricted high consumption for many times include: Tianxi animal husbandry Co., Ltd. 12 times, Lifeng Heavy Machine Tool Co., Ltd. 8 times, Nongxing Seed Co., Ltd. 7 times, Shandong peitang bottle Co., Ltd. 5 times, Shandong Binzhou Zhongwang animal husbandry Co., Ltd. 2 times.

Not only that, Huimin agricultural commercial bank has five shareholders who were listed in the list of abnormal business operation for the reasons of public information fraud and other reasons. Specifically, Shandong Huimin Huixiang Special Steel Co., Ltd. and Shandong Binzhou Haohan industry and Trade Co., Ltd. have publicized enterprise information to conceal the truth and cheat; Tianxi animal husbandry Co., Ltd. and Shandong Nongxing Seed Co., Ltd. have also failed to publicize the annual report within the time limit specified in Article 8 of the Interim Regulations on enterprise information publicity; Weiji branch of Huimin agricultural commercial bank Failing to publicize the relevant enterprise information within the time limit ordered by the administrative department for Industry and Commerce in accordance with Article 10 of the Interim Regulations on the publicity of enterprise information.