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Zhangjiakou News, China Central Broadcasting Network, September 4 (Reporter Chang Yafei) According to “News” from China Voice of China Central Radio and Television, “People sit at home and debts come from heaven.” Use this sentence to describe how recent “borrowed” incidents that have been reported repeatedly in recent years could not be more appropriate. In Yangyuan County, Zhangjiakou City, Hebei Province, cancer patient Wang Xiumei and her husband with cerebellar atrophy encountered this “big problem.” Originally, they depended on diets and their children to sustain their lives, but their name unexpectedly gave them a loan of several hundred thousand yuan for no reason. The loan was past due and was not repaid, and it was also on the credit “blacklist”. After the local villagers found out about this, they went to the bank to check if they had loans in their name, and the list of “borrowers” was also revealed one after another. So why do so many villagers inexplicably “borrow”? How did the relevant staff handle it? Who should protect the interests of farmers?
A news video of “cancer survivor couples being borrowed under false pretenses” went viral. In the video, Wang Xiumei, 56, and Chen Zhanyi, 68, are subsistence subsidized households in Sanfen Village, Futujiang Township, Yangyuan County, Zhangjiakou City, Hebei Province. The couple is in poor health, his wife suffers from lung cancer, and the husband has cerebellar atrophy. Baolai maintains medical expenses. Wang Xiumei said: “I am a lung cancer patient and I am still receiving chemotherapy. The elderly man suffers from brain atrophy and Alzheimer’s disease. The elderly couple takes drugs for more than 2,000 yuan a month, and depends on the points of the children and the state minimum allocation of 400 yuan. Month to keep our money for medicines. “
However, during a process of verifying the qualifications of the holders of the allowances, the cadres of the brigade discovered that Wang Xiumei and his wife had hundreds of thousands of yuan in loans and wanted to stop receiving their allowances. Wang Xiumei said: “People who check the minimum allowance for living want to check whether the children have cars and houses, but my daughter has no cars or houses, but it turns out that I have a loan on my head. The brigade secretary called me. and said to cancel My living allowance, “He has a loan of several hundred thousand yuan on his head.” We have never asked a credit union for a penny, and as a result, we have a loan of several hundred thousand yuan “.
The personal credit report of Wang Xiumei and his wife showed that a total of 350,000 yuan was loaned to the accounts in their name, and the loan was provided by the Yangyuan Rural Commercial Bank. In the video, the person involved in the “loan”, Jiang Zhixiang, former head of the Futujiang branch of Hebei Yangyuan Rural Commercial Bank, said: “Even if I am prosecuted, the public will pay the processing fee. You sued the Bank. Hebei Yangyuan Rural Commercial. If the bank is held accountable, I am a crime of breach of duty. The crime of breach of duty cannot be convicted for a few years. I have asked about it. Two years. The person who actually took the procedure of The victim’s loan must be sentenced to between 7 and 8 years. We take criminal responsibility. I will definitely not repay it. “
After the incident with Wang Xiumei and his wife, Yangyuan County villagers went to Yangyuan Rural Commercial Bank to check if they had loans in their name. I didn’t know if I didn’t check them. I was surprised when I checked it out. Many villagers had tens of thousands to hundreds of thousands of dollars. Loan.
Mr. Zhou: I heard about this before and didn’t know how to do it later.
Ms. Zhang: I also checked (loaned) 50,000 yuan, and found out that the loan had been loaned for 5 or 6 years, and now it has been repaid.
On September 3, Yangyuan County issued an official response to this matter. In response, Yangyuan Rural Commercial Bank immediately initiated an emergency response to public opinion and established an emergency lead group to investigate and verify the issues reported by the media. The Zhangjiakou Audit Center of the Hebei Rural Credit Union Union also sent a working group to the Yangyuan Rural Commercial Bank to verify the matter again. Li Yonggang, Chairman of Hebei Yangyuan Rural Commercial Bank, said: “As of June 17, 2020, the loan of Wang Xiumei and his wife has been canceled in full. There is no bad credit history on behalf of the husband and wife. the wife, and they have all been revoked. To ensure the maintenance of our clients Legal rights and interests. In the next step, Hebei Yangyuan Rural Commercial Bank will continue to investigate counterfeit loans in accordance with regulatory regulations and high-level requirements , will find out the results and transfer suspected criminals to the judicial authorities in accordance with relevant laws and will prosecute them seriously. Responsibilities of other relevant personnel. At the same time, we will effectively increase financial risk security training, improve awareness compliance and will form a long-term mechanism for all employees to comply with the system and operate in accordance with laws and regulations, and such problems are strictly prohibited. “
Li Yonggang stated that Jiang Zhixiang, former director of the Futujiang Sub-Branch of Hebei Yangyuan Rural Commercial Bank, fraudulently used someone else’s name to make loans in violation of the bank’s normal loan process: “The normal process of our loan is that the client initiates an application and the lender conducts inspections. And report, and then for eligible clients, the branch will approve and issue loans within the scope of authority. If the authority exceeds the authority, the branch will report to the parent company for approval and issuance. The required procedure is a loan with a personal guarantee, which includes the identity card of the borrower, the guarantor and the partner. The marriage certificate is signed in person. Borrowing the identity information of the villagers is an illegal loan. “
Li Yonggang told the Voice of China reporter that after a thorough investigation of the county’s loan situation, it was discovered that Jiang Zhixiang, the former chairman of the Futujiang Sub-branch of the Yangyuan Rural Commercial Bank, issued counterfeit loans. on behalf of others and used the funds for his own use. In July this year, Jiang Zhixiang was “double-opened” by the bank and is currently under investigation by public security organs. Li Yonggang said: “On June 28, 2020, the Yangyuan Rural Commercial Bank transferred the case to the Yangyuan County Public Security Bureau on suspicion of obtaining loans by fraud, and the public security organs opened the case for their investigation. Jiang Zhixiang has been arrested. July 2, 2020 In July, Jiang Zhixiang was “double-opened” by the Yangyuan County Rural Commercial Bank for alleged crimes, expelled from the party and public office, and other staff related party was also held responsible. Currently, Jiang Zhixiang’s loan situation is being investigated by public security organs. The results of the public security organ’s investigation will be processed. “Return to Sohu to see more
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