Project Name: false purchase a car loan business

Business type: a car consumer guarantee business

Summary.

   The third party operation was for trade, in the third party dominant operation, and dealer collusion, through false transactions, and the use of car loan guarantee product risk vulnerability, through false purchase a car, will be our purchase a car payment or guarantee, thus on the risks to our company, making our compensation, loss. Division I through criminal case, civil litigation mode, recover compensatory payments likely.

The first partDescribe the project general situation

   Zhao XX in 2010 to A in June the bank to apply for a sum of 200000 yuan of personal automobile consumption loans, the purchase of the Duke to enjoy a version of the 2.5 car (value 317600 yuan), also apply for automobile guarantee business to our company, to provide joint liability guarantee for Zhao XX the car consumption loans.

   Zhao XX in the course of processing loans, entrusted to B bank customer manager Xue manager contact with our company, and provide the relevant loan data. A bank loans to individuals for automobile consumption loans 200000 yuan to the designated account to XX Zhao Zhao, according to XX should be handling mortgage registration formalities within 2 months after the loan, Zhao XX timeout not mortgage procedures, through our car to survey: Shenzhen YP automobile sales and Service Co., Ltd. Sales Manager Xu XX feedback Zhao XX, not the actual purchase a car, but by Zhao XX friend don XX buy Teana 2 comfortable edition car (value 205977 yuan), and Che Kwun by our verification, down to XX in the near future is not in the city of Shenzhen YP auto sales Services Limited purchase a car transaction records. Zhao XX suspected of bank loans to change the use, and the missing money, loans overdue, I Division in 2011 April, the remaining loan principal and interest in full compensation compensation, liquidated damages of about 210000 yuan.

The second part Risk problems or occurrence

1, not according to our time for mortgage procedures, more than 3 months without a mortgage procedures.

2, loans, loan applicants first period has not for the car payments, cause our company compensation.

3, the survey XX Zhao has not actually purchase a car, the loan fund, Zhao XX can not contact, our full compensation.

The third part Process and measures

1, the project after the Chuxian company immediately formed a task force to investigate and deal with.

2, visited the car purchase a car, by understanding that Tang XX, Shenzhen YP car sales of collusion.

3, and the termination of the Shenzhen YP car all business cooperation, the cooperation business inventory.

4, 2010 November, Shenzhen City Public Security Bureau police, public security organs of criminal investigation to XX Zhao, Tang XX, and Shenzhen YP companies associated personnel file and.

5, the Division I after compensatory, take decisive action and property preservation measures, sealing up the subject property, for recovery through litigation.

The fourth part Analysis of project risk factors

   The root cause of project claim is the debtor and the third party fraud conspiracy to defraud bank loans, we guarantee, risk awareness project operating personnel is not high, not found in advance, further lead to the risk.

The fifth part  Summary

   The project is a typical lies, industry personnel through false transactions, use the car loan guarantee product risk vulnerability, risk transfer to the Division I. Division I for the risk of business more timely, and through a variety of ways to solve the problem of recovery. Take the initiative to find risk, only by enhancing the risk consciousness and risk identification ability, project operating personnel to improve compliance project, to appear inconsistent with the current rules of operation problems found in a timely manner. The present case:

1, the applicant collusive human industry practitioners, familiar with the operation flow of car loan guarantee.

2, for not signing the garage garage, new signing the business need to strengthen investigation accepts the details.

3, the project due diligence on the reasonable sex vehicle trading not prudent judgment.

4, not in strict accordance with the provisions of the schedule for our business, not timely mortgage procedures did not cause enough attention, also did not take effective measures, resulting in the final out of our. For indeed need to wait for the vehicle "good" business, shall submit to the company Chen Ming, the real situation and to purchase a car business for deferred processing (including customer pay delay guarantee fee and for counter guarantee procedures etc.).