Chen Jun of Chen Group wants to borrow RMB 50 million from Sun Yiyun, chairman of Lihua Zhengde Group.

Before this, Chen Jun had borrowed money from Zhengde Group. Because the law stipulates that companies do not allow funds to be borrowed, it is Sun Yiyun, chairman of Zhengde Group, who transferred the money to his personal name and then lent it to Chen Jun. After all, the loans between private individuals are not restricted.

This time, Chen Jun wanted to borrow another 50 million yuan from Sun Yiyun, chairman of Zhengde Group. Because the amount was relatively large, Sun Yiyun was a little hesitant.

Chen Jun made a suggestion that as long as Sun Yiyun deposited the 50 million yuan of Zhengde Group into his designated bank, he did not need to lend it directly to him.

In this way, the money of Zhengde Group is not only safe to be kept in the bank, but also can enjoy its loan interest and bank deposit interest.

To be honest, Sun Yiyun began to be skeptical and felt that there was nothing so good in the world. But when he heard Chen Jun ask him to transfer money to the Lihua Credit Union account, he felt completely relieved. He believed that Lihua Credit Union should not be tampered with it.

To this end, Sun Yiyun agreed to operate according to Chen Jun's method and deposit 50 million in his personal name to the Lihua City Credit Union.

Although Zhang Feng is smart, he is also confused. You must know that such operations are completely contrary to financial common sense.

Deputy Mayor Shen Yun also smiled bitterly: "Mayor Zhang, I have spent some time and found someone familiar with financial business to figure out what's going on?"

Shen Yun introduced that the above operation method belongs to "deposit loan". The so-called deposit loan means that the lender negotiates with the fund lender in advance. The lender opens two accounts in the bank, one account deposits and the other account does not deposit. Then, by modifying the account without money, then changing it to the lender's deposited passbook, and then transferring the money to the borrower's account.

Of course, this operation method is not in compliance with the regulations, but it can be accomplished with the cooperation of bank internal personnel.

During this loan act, Chen Jun and Sun Yiyun, Chen Jun and Sun Yiyun, supported by Lin Qiao, deputy general manager of Lihua Credit Union, Sun Yiyun opened two personal deposit accounts (A and B) at Lihua Credit Union.

Sun Yiyun deposited 50 million yuan in Account A and handed the passwords of Account B and the two passbooks to Chen Jun.

Next, in Lin Qiao's office, Chen Jun covered and changed the items such as B passbook account, passbook number and other items in accordance with Lin Qiao's guidance, turned them into the content of the passbook for Account A, and went to Jiang Xin, the credit cooperative urban credit cooperative in Lihua City to replace the passbook. With the ID card and passbook password provided by Sun Yiyun, Chen Jun once again received the passbook with the account A.

Finally, Chen Jun rushed to Lihua Credit Cooperative again. Lin Qiao took advantage of the position of deputy general manager to approve and agree to transfer the 50 million yuan in the passbook with account number A to Chen Jun’s personal account.

In order to thank Lin Qiaohe for his help in deposits, accounting and other operations, and to carry out long-term cooperation, Chen Jun decided to give Lin Qiao a 2 million yuan benefit fee.

Interestingly, Lin Qiao's way of charging the benefit fee is relatively "clever" and he does not charge it directly.

According to the confession, the day before Chen Jun and Sun Yiyun conducted deposit operations, Chen Jun asked Lin Qiao to meet and discuss deposit operations. When Lin Qiao and Fang Qingwei were about to leave, Chen Jun gave Lin Qiao the 1 million yuan of cash prepared in advance, and Lin Qiao signaled Fang Qingwei to collect it.

The remaining 1 million yuan benefit fee is completed through bank transfer, and it is also first handled by Fang Qingwei's personal account.

Lin Qiao asked Fang Qingwei to use his bank card to collect the money. Fang Qingwei knew that the above money was a bonus given to Lin Qiao by Chen Jun, so she provided her bank card to Chen Jun. Chen Jun transferred the money to transfer RMB 1 million in Fang Qingwei's bank card.

Why did Lin Qiao ask Fang Qingwei to come forward to collect benefits for him? First, Lin Qiao did not want to leave any evidence of directly collecting money; second, Fang Qingwei is a woman Lin Qiao has a very close relationship with her. She does not work in a bank, but has opened a trading company by herself.

As for why Chen Jun had to perform such an operation, after interrogation, everyone knows that the Chen Group looks very glamorous, but because Chen Lei and Chen Jun are spending a lot of money, and the continuous investment mistakes have caused a lot of debts, the companies under their name are in losses or small profits.

In addition to bank loans, many rich people are unwilling to borrow money after knowing the internal situation of the Chen Group.

Chen Jun later met Qian Wenfeng, who was engaged in the fund intermediary. The two agreed that Qian Wenfeng would absorb the funds and deposit them into the bank, and Chen Jun would then withdraw funds and use them illegally.

Over the past few years, Qian Wenfeng has fabricated the bank's high-interest deposit-raising business, lying that as long as the funds are deposited into accounts opened by Lihua Credit Cooperatives, and no withdrawal, transfer funds or inquiries can be obtained with high interest rates of 20%-24% per year, and some people can be tricked into depositing a large amount of funds into accounts opened in advance.

Subsequently, Qian Wenfeng used the excuse of confirming the above deposits within the bank as a pretext to defraud the depositor's account number and initial account password.

Then, Chen Jun instructed others to pay 5% of the deposit amount as a condition for benefiting the fee, and through Fang Qingwei and Jiang Xin: after the depositor's depositor's deposit, he used Jiang Xin's position to handle online banking and other business operations, and used the depositor's account number, initial password, identity information and other depositor information provided by Qian Wenfeng to open the online banking business in violation of regulations. Relevant persons instructed by Chen Jun were falsely given U-shield related accounts, and then gave Jiang Xin a commission according to the proportion.

After receiving property after each activation, Jiang Xin received more than RMB 4 million.

After the Lihua Municipal Public Security Bureau’s approval, the case will be handed over to the Lihua Intermediate People’s Court for trial.

The court sentenced Lin Qiao to 12 years in prison for the crime of transforming financial bills and confiscated RMB 200,000 in property; confiscated RMB 200,000 in prison for accepting bribes; sentenced to 13 years and 6 months in prison, confiscated RMB 20 in property, and decided to execute 18 years in prison and confiscated RMB 400,000 in property.

The court held that Jiang Xin, as a bank staff member, accepted the request to open an online banking account for others in violation of regulations and accepted property from the requestor. His behavior constituted the crime of accepting bribes by non-state staff. He was sentenced to eight years in prison and confiscated 800,000 yuan in property; the illegal income of 4 million yuan (including property or its share purchased by Jiang Xin with illegal income) was recovered.

In addition to the administrative penalty for life-banning Lin Qiao and Jiang Xin, the Lihua Credit Cooperative received an administrative penalty of 2.5 million yuan from the regulatory authorities for inadequate employee management, inadequate internal control management system construction, and inadequate implementation of internal control management systems. The illegal handling of online banking business and illegal handling of passbook damage and discount exchange business.

For Chen Jun and Chen Lei of the Chen Group, there are more adverse situations, and Zhang Feng also took the opportunity to find out the old case many years ago.
Chapter completed!