Help to pay provident fund and loan dont have to pay back many farmers carry huge debts

category:Finance
 Help to pay provident fund and loan dont have to pay back many farmers carry huge debts


Help pay provident fund, farmers carry huge debts

Not long ago, Chen Xiaoju, a 50 year old farmer from Chongqing, came to Meishan provident fund center to ask for the withdrawal of provident fund. However, strangely, she was unable to provide the necessary procedures. She did not know her own provident fund account number and unit name.

The staff also found that during this period of time, many foreigners came to withdraw the provident fund. They all concentrated on the supplementary payment not long ago, and then concentrated on the withdrawal. After the provident fund center called the police, Meishan police quickly intervened, and the Sichuan Provincial Public Security Department issued a name to supervise.

According to the survey, Chen Xiaoju worked in foreign affairs, and a man he didnt know advocated that he could help her pay the provident fund and help her with the loan without repayment. After that, the man operated a company account number to pay the provident fund for her, and applied for a credit loan of more than 200000 yuan from the bank with her identity information on the mobile phone. But Chen Xiaoju only got 20000 yuan, and the rest was transferred by men.

Similarly, Chen Kuilin, a farmer in hudu community of Baiguo Township, Qingshen County, Sichuan Province, is also heavily in debt. In October last year, nearby villagers told Chen Kuilin that there is a boss who can help with the loan and you dont have to pay back the loan. You can do whatever you want.. So he provided his ID card, applied for bank card, and did face recognition one by one. After paying the provident fund for Chen Kuilin, the criminal gang successfully applied for a credit loan of 180000 yuan from the bank, and he himself received 13000 yuan. Until the police came to the door to investigate, he also said with fantasy: did not you say you dont have to return it?

In this new type of financial fraud cases, the most involved are farmers from remote areas who are unable to repay, including the disabled and poor households. Zhou Feng, the case chief investigator of the high tech Zone (Ganmei Park) branch of Meishan Public Security Bureau, said that these farmers were used by criminal gangs and owed 230000 yuan in the bank. They only got a small change. Some people even didnt get any money, so they were muddled into huge debts.

Controlling more than 130 company accounts to make up for provident fund and forging bank high quality customers

Housing accumulation fund is the long-term housing savings of employees. How do these criminal gangs package farmers into company employees and pay for them?

The police have basically found out that since May 2019, criminal gangs headed by Xiang, Zhou and Huang have found farmers, who are pure white households - customers whose credit is as pure as a piece of white paper, advance provident fund for them, and apply for credit loans with the accumulation fund as a reference for bank credit evaluation.

It is reported that these criminal gangs illegally intruded into the provident fund system in many places, stolen dozens of company accounts, changed the employee information, and advanced the provident fund for farmers. Then, the criminal gang manipulated the identity information of farmers and applied for online loans from banks. As a result, some farmers who did not have the loan conditions became high-quality customers with work units and stable income in the eyes of banks.

According to the preliminary statistics of the ad hoc group, these gangs respectively controlled the accounts of more than 130 companies in the above-mentioned provinces and cities, recruited more than 6000 farmers from all over the country, paid 120 million yuan of accumulation fund for them, and defrauded more than 1.2 billion yuan of bank loans.

Although the criminal gangs spent some money to advance the provident fund for farmers, they loaned more money and made a profit of more than 10 times. A police officer said.

This new type of crime still has the momentum of development and upgrading. Wang Zhengxiang, leader of the ad hoc group and deputy director of Meishan Municipal Public Security Bureau, said that when the criminal gang was knocked down, they had begun to take aim at enterprise tax loans. That is, they bought enterprises that were going to close down, changed legal persons into farmers, and then used VAT payment records to make loans. An enterprise can borrow 3 million to 5 million yuan, which is even more harmful.

It is difficult to recover stolen goods, and the multi links of financial risk prevention need to be strengthened

At present, the suspects of several gangs have been arrested by the police and handed over to the procuratorial organs, but the losses are hard to recover. Zhou Feng said that some of the people involved in the case did not have their own cards, some cashed through POS machines with multiple accounts in one machine, some through third-party payment, wechat transfer, some cashed at ATM machines, and others transferred their funds to overseas countries by purchasing virtual currency, which made it very difficult to recover stolen goods.

A person in charge of a bank in Sichuan said that in October last year, the bank received more than 500 applications for such loans and lent 103 million yuan. After the risk control found the problem, the fund was frozen urgently, but only more than 20 million yuan was recovered. And the phone numbers of these lenders changed quickly, and no one was found to collect them.

It is understood that in this case, some drug addicts can easily get loans. According to experts, criminal gangs have mastered the channels for deposit of provident fund and cheated banks to obtain online loans, thus exposing various problems in financial risk prevention. The risk prevention tips for lending personnel need to be detailed. Qiu Jing, an associate professor at the school of economics and management of Sichuan Normal University, said that for high-risk people who lack financial common sense to borrow, we should strengthen the risk tips when borrowing and improve their awareness of prevention. When the loan is transferred out, it shall be prompted for the purpose of the loan and the obligation of repayment. In addition, the network security awareness and protection ability of some institutions need to be improved. Industry insiders said that at present, network attacks are on the rise. Government and public institutions should pay attention to relevant personnel training and system construction, especially to strengthen the three synchronization principle of synchronous planning, construction and operation of information system and information security, and strengthen network security protection. Source: surging news editor: Zhong Qiming_ NF5619

It is understood that in this case, some drug addicts can easily get loans. According to experts, criminal gangs have mastered the channels for deposit of provident fund and cheated banks to obtain online loans, thus exposing various problems in financial risk prevention.

The risk prevention tips for lending personnel need to be detailed. Qiu Jing, an associate professor at the school of economics and management of Sichuan Normal University, said that for high-risk people who lack financial common sense to borrow, we should strengthen the risk tips when borrowing and improve their awareness of prevention. When the loan is transferred out, it shall be prompted for the purpose of the loan and the obligation of repayment.

In addition, the network security awareness and protection ability of some institutions need to be improved. Industry insiders said that at present, network attacks are on the rise. Government and public institutions should pay attention to relevant personnel training and system construction, especially to strengthen the three synchronization principle of synchronous planning, construction and operation of information system and information security, and strengthen network security protection.