Trick three: false mortgage Piandai procedures.Pledge loan occupies sizable proportion in the bank credit. But the credit and loans in the "low value" overvalued ", with the understated the number", or "out of thin air" phenomenon, but also It is often seen. In the South China Sea Branch of the Nanhai Huaguang1723.3 acres of land collateral, only 76 acres have real legal procedures. Nanhai Huaguang in various financial institutions lending, are secured on the surface, but most of them are false. Sindh Jilin trading company from 150900000 yuan loan bank loans are mortgages, mortgage for the Jilin province Tianyu Real Estate Co. Ltd. all not fitting into the use of housing. The Audit Commission is in the process of auditing conclusion:"Collateral assessment price is on the high side".

Tianjin city an electrical instrument company manager Zheng because of poor management and debt, a decision from the bank piandai. The first is the virtual registered capital11000000, the "create" a "shell foam building", then "building" was only 800000 products "blow" to 8000000, in a home for the collateral for loans from banks, 4000000 yuan waste.

Piandai trick four: false loan to buy a car.Personal consumption credit loans because of this business, but also Piandai the hardest hit, for car loans patterns emerge in an endless stream. "A car loan", a car in the bank for a loan; a "loan", low price to buy the car, priced invoice, from banks loans, to achieve "zero Shoufu"; what is more, there is no purchase a car, can also use the fake invoices and other receipts from the bank loan. Huludao branch chairman Li Xiulan to run their own financial hire billion Yafei Ltd. nanny, housekeeping, watchman car loans. For these people to meet the conditions of the people of fixed income, Li Xiulan put these people were faked identityThe chairman, the 8 companies of the general manager or manager. Then, these people and the company signed a loan agreement documents, then Li Xiulan took the contract to the bank to apply for loans. Subsequently, Li Xiulan forged the car certificate and invoice, to manufacture cars have from manufacturers into billion financial Yafei company growth. The bank agreed to loan, loan to thaw billion Yafei company account, into Li Xiulan's own pocket. More subtle is the, in the Li Xiulan fraud loan process, each virtual car loans by People's Insurance Company of China Huludao branch to insurance. According to the insurance contract, if the person is not able to repay the loan on schedule, the insurance company will pay.

It is understood, in recent years,Purchase a car makers Piandai cases continue to occur, private loans have30% default payment, it is difficult to recover the 10% car loan phenomenon.

Trick five: Piandai bank staff embezzlement.Agricultural Bank branch in Shenzhen City, the original third China business personal financial department director Peng Weizhi used his position to facilitate, together with others in more than two years, to forge real estate card false loan information, has83 times from the sales department for loans, amounting to 49690000 yuan. Jilin branch of China Construction Bank branch, the original business under the jurisdiction of the railway ministry branch, in collusion with a fraud Gang, take Sike seal, seal, making false contracts, false certificate of deposit, credit, guarantee documents forged material means such as fraud, loan fraud, accepting a bill, the total amount of 328440000 yuan.

Piandai trick six: false enterprise guarantee.Everbright Bank Guangzhou branch Yuexiu District branch China vice governor Chen XiangqunIn the time of 4 months, the 95000000 yuan of funds transferred to others with false guarantee means, leaving 5000000 yuan money lost at the gambling table, which has more than 4800 yuan can't recover.

Trick seven: bribery to get illegal lending.Triumph group and its affiliated enterprisesSince 1992, in succession to the Bank of China Fuzhou branch mortgage lending, during which many times, after the triumph, triumph group Real Estate Company, Real Estate Company, international effort bonded goods companies bear most loan restructuring responsibility, still has not returned to the Bank of China Fuzhou branch 151600000 yuan. This 151600000 yuan of loans, is through bribery original bank Fuzhou branch Chen Xiuzhu, deputy director credit van Jianwen et al,"The loss of principle, illegal lending"Get.

In 2003 the first financial Piandai case -- Nanhai Huaguang Piandai case, several of the accused is the identity of the private business owners, bank managers, government officials, forming a government, finance, enterprises and woven into the power network, for more than ten years, adopt various fraudulent means, erode national capital. The ICBC Guangdong branch vice president Ye Jiasheng, President Lin Junjiang, Foshan branch of Nanhai District branch president Lin Yuhang, former director of the Bureau of Nanhai District financial Sun Bokuan, He Weilin etc.,Resulting in a total of up toThe about 2000000000 yuan of bank loans and financial capital loss.Feng Mingchang will Sun Bokuan's son Sun Yanhui appointed as general manager of the Hongkong company, the annual salary ofThe 2500000 Hong Kong dollars. To the He Weilin bribery 4150000 yuan, $10000, $600000.

Piandai tricks eight: false profit piandai.In contrast with the company who make false tax evasion, Piandai enterprises will try various devices to tax bureau for tax, in order to create a false prosperity of the report, obtain bank credit, bank loan.Business loans,"With the new old", continue to maintain cash flow. With credit upgrade, can snowball obtain higher loan from the bank. So twisted and turned, Piandai game to move in circles. Zhou Zhengyi allegedly owned by enterprises, on suspicion of company a virtual call to buy company B1000000 yuan of goods, issued 1000000 yuan commercial acceptance bills of exchange to B, then B took the bill to the bank, made 950000 yuan, though in vain to the bank 50000 yuan, but the cash flow "and", "improving performance", bank trust promoted. The loan is not for the purpose of development, but in order to cheat more high loan.In Nanhai Huaguang Piandai case,At the end of 2002, Nanhai Huaguang retained in the bank statistics, the total assets of 4620000000 yuan, net assets of 1980000000 yuan, sales income 6760000000 yuan, profit of 720000000 yuan, the year has to pay value added tax 159000000 yuan. But auditors obtain from the industrial and commercial, tax department data show, Nanhai Huaguang total assets add 3643000000 yuan, 1863000000 yuan net asset returns, annual sales revenue increase of 6438000000 yuan, profit 731000000 yuan, was ordered to pay VAT 155000000 yuan.

Piandai so many, has become the Chinese society a very painful subject."Such Piandai cases, if there is no bank internal people collaborate from within with forces from outside, it is not possible to achieve."SOHO China President Pan Shiyi said. Economics analysis of Chinese financial corruption in the people's Bank of China 2001 start at the end of ": system design, the behavior and mechanism of" report, carried out on the Chinese financial corruption since the founding of the most detailed and authoritative survey. In all valid questionnaires,"Financial institutions use capital allocation right belongs to the corrupt transactions, in economic life'Very common'(36.6%) and'The more common'(45.2%) phenomenon"Get81.8% of the people. 45.5% of the people think, need to get a mortgage to the bank staff to benefit.

Behind the painful topic, is a great deal of silver, collusion ┅ ┅ people exclaimed: the bank has become a new round of corruption stricken area, four vice ministerial level officials sacked is evidenced by the financial. Former vice chairman and chairman of CITIC Group, CITIC Ka Wah Bank Jin DeqinFrom 1990 to 1995, by taking advantage of his position, has embezzled HK $39320000 and HK $1590000. In 2000 due to corruption and bribery, misappropriation of huge public funds crime, was sentenced to life imprisonment, deprived of political rights for life; the China Everbright Group Chairman Zhu Xiaohua, 1997 to 1999, by taking advantage of others, to accept the request, for the benefit of others, has accepted bribes from others stock and cash is equivalent to RMB 4059000 yuan; individual in violation of regulations, decisions, approval will be hundreds of millions of dollars to lend to others, cause huge economic losses to the China Everbright Group, in 2002 was sentenced to 15 years in prison, confiscation of all personal property. During the former CCB President Wang Xuebing from 1993 to 2001, by taking advantage of brilliance (China) Holdings Limited, Beijing Oriental Advertising Co. Ltd. and other enterprises interests, and therefore accept bribes amounting to a total of 1151400 yuan. In his position as Chinese bank New York branch general manager and Chinese bank president, violate financial regulations, work serious dereliction of duty, causing serious consequences. 2003 was sentenced to 12 years in prison. In March 16, 2005, Zhang Enzhao for personal reasons resigned from the Construction Bank Chairman, Secretary of the Party committee office, said it "relates to issue 565000000 yuan of loans". Audit of the National Audit Office revealed: Industrial and Commercial Bank of China was found in some branches are illegal loans, illegal for acceptance and discount business issues, suspected of illegal crime case 30 cases, involving up to 6900000000 yuan.

Piandai, has been buried in the bank's "bomb", China influence economic development "cancer", cultivate "new bureaucratic capitalists" of the "soil"!