Li Jiandong, a farmer from Xialong Spring Village, Jingyou Town, Louxiang County, Taiyuan city, Shanxi Province, plans to buy a house for his son Li Cheng in the county seat. His family’s economic ability does not allow him to buy a house with full payment, so he considers mortgage by installment.
When conduction mortgage business, discover son Li Cheng to already entered the blacklist of bank system suddenly, credit investigation has a problem, inquiry discovers the loan debt of 1.55 million yuan of son name.
To Li’s dismay, the loan, which he has never seen before, has generated interest of 770,000 yuan and is still accumulating due to a long overdue period.
Where did this strange loan come from? “One million negative weng” Li Cheng how to escape? What regulatory gaps have been exposed?
Farmers turn into “one-million-man-eaters”
Li Cheng learned that “by the loan” after a confused, along with the information in the credit report, hurried to the county credit cooperative inquiry.
It was found that on September 28, 2012, li Cheng suddenly had two more sums of money under his name, namely 345,000 yuan in cash deposit and 780,000 yuan in loan account opening. On the same day, they were withdrawn by the way of loan counter repayment and loan transfer respectively. The account shows that the trading institutions are all “Loufen Ma Jiazhuang Credit Cooperative”, and the operator of the first transaction is “123580”, and the operator of the last three transactions is “123574”.
“I don’t know who spent more than a million yuan on the loan, but the debt was quietly hung in my name. Once I’m sued, I’ll become a laolai.” Credit union staff member informs Li Cheng, because be overdue for a long time, at present accrual already produced 770,000 yuan only, and accrual is still accumulating.
The flawed credit material passed the examination smoothly
Li went through his credit files, which were littered with false materials. He found that some people pretended to be his name, did the loan procedures, and successfully passed the examination, and finally successfully obtained a loan.
Some of the signatures on key documents in the credit files were not in Mr. Li’s own handwriting; The first loan was for a trucking truck. The second was for a contract for 20 acres of land, with a plan to plant saplings. A total of 5 people guaranteed the loan for themselves. 2 of them only knew who they were but didn’t know much about each other. The other 3 people were strangers and just didn’t know each other. In a villager Identity Certificate, Li Cheng was originally a native of Xialongquan Village, Jingyou Town, but the village committee of Loujiachang Village, Loufan Town, stamped the official seal and issued the certificate materials.
Struggling, Li recalls meeting a credit union loan officer through another villager a few years ago, who asked him for his ID card and offered to get a new one. Due to the situation, the identity card was borrowed by the loan officer.
“Is to use your name, if the loan, the sale of land is also my responsibility to repay.” In a taped conversation, the loan officer readily admits that he took out the loan under his own name, saying that similar situations had been common in previous years, and that a loan could be obtained by taking the identity of any farmer and using an insider’s secret operation.
In the recording, the loan officer teaches Li how to deal with the demand. “If the credit union calls you, ask him, ‘Did I borrow this money? Is there my signature on it? Are there any pictures of the loan scenes? State that you have not withdrawn money or gone through any credit union procedures.” The loan officer tried to use the first word, so that his unit is responsible for urging the loan repayment colleagues can not complete the collection, delusions to cancel the loan.
Li Cheng of course did not want to do so, “on the blacklist, buy a house, buy agricultural tricycle are affected, pressure so much debt, I want to collapse!” Li Cheng goes to credit union to reflect this matter for many times, but nobody is in charge from beginning to end. Can the name be removed from the blacklist? This is li Cheng’s urgent concern at present.
Sound the alarm bell of agriculture-related credit risk control
After the incident was exposed, Louhuan County rural Credit Cooperative Union conducted an investigation into the loan data, credit files, fund direction, and the performance of relevant personnel, and reported the case to the public security organ.
After self-examination by the county credit Cooperative, the first loan of 345,000 yuan in Li Cheng’s account was paid off on September 28, 2012. On the same day, the second loan of 780,000 yuan was entered into Li’s account, and all 780,000 yuan was transferred on the same day. Tracking transaction records showed that the money was transferred or withdrawn again on the same day, and the balance is only 898.21 yuan at present.
The incident involving Ma Jiazhuang credit cooperatives five staff, including the approver xu-sheng wang, director of the original, investigation, post the original loan officer li yanjun as well as 2 people for other illegal and criminal behavior have respectively on December 16, 2020, on May 22, 2020, has been expelled from the unit to investigate duty loan officer He Jinfeng teller Duan Jinmei, examination and approval committee members for the loan officer, review hills, high fill three people for the on-the-job employees, this 3 person has been on December 27, was suspended in 2020.
The local credit cooperatives did not respond to questions about the interest of 770,000 yuan due to the overdue repayment of the 780,000 yuan loan, whether the names on the credit investigation blacklist could be cancelled, how many similar cases there are, and how the risk control loopholes of the agriculture-related credit will be closed.
Loufan county still swim town people’s government to report related farmers “whether poverty households” verify the situation, the lender but 35 years old this year, is loufan county quiet town of longquan village villagers, not by inputting tent card poor, his father jiandong 58 years old, is a document tent card poor, is now out of poverty, father and son work in taiyuan city knick-knacks.
Geng Yeqiang, a professor at the School of Economics and Management at Shanxi University, said that the phenomenon of farmers being “loaned” revealed that the credit prevention and control mechanism was not strict enough and there were loopholes in internal control. It not only brought big trouble to farmers, but also harmed the local financial ecology.
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