You don't need any threshold to join the company, and you can also enjoy the benefits of the company's purchase of houses for employees, do you believe such a good thing?
Recently, the Economic Investigation Brigade of the Quanshan Branch of the Public Security Bureau of Xuzhou City, Jiangsu Province, made a precise attack and smashed a criminal gang that specialized in defrauding loans.
The police arrested the criminal suspects Wang and Xie
There are many doubts
The bank was defrauded of a loan of 10 million yuan
One afternoon in September 2023, police officers Xu Xiang and Liu Dawei of the Economic Investigation Brigade of the Quanshan Branch visited a bank in the jurisdiction to carry out a safety prevention lecture. The person in charge of the bank's risk control management department said with concern: "Recently, our bank has found several problems with overdue loans, and I ask you to help identify them. ”
It is understood that the bank's risk control management department recently found a number of overdue loans, totaling more than 10 million yuan, after preliminary verification, the lender has no intention of buying a house at all, and the purchase funds and loan funds have been transferred to a specific account, suspecting that the lender defrauded the bank loan.
According to the clues provided by the bank, the police learned that one of the overdue loan customers, Zhang Meimei, was burdened with two housing mortgages and one credit loan, with a total amount of more than 500 yuan. Xu Xiang and Liu Dawei decided to start with Zhang Meimei and visit to understand the situation.
Peel back the threads
There is something strange behind the "debtor".
"Are you Zhang Meimei? We are the police of the Economic Investigation Brigade of the Quanshan Branch of the Xuzhou City Public Security Bureau, and we are looking for you to know about the overdue loan. Xu Xiang got straight to the point.
"The house was bought by the company, and the boss said that I didn't need to worry about the loan. The chubby middle-aged woman in front of her had a cold attitude.
"Which company doesn't need to repay the loan for its employees to buy a house?"
"I have been in the company for more than 3 years, and the company has also bought houses for other employees. ”
"Do you live in the house?"
"Hmm...... Not yet. Zhang Meimei seemed to have an understanding.
Xu Xiang and Liu Dawei learned that Zhang Meimei was carrying two mortgages and a credit loan, but she was not the actual user of these loans. The police preliminarily judged that Zhang Meimei's company was likely to use a "debtor" like her to deliberately take out bank loans.
Criminal gangs take bank loans under the guise of others, but the debts have to be borne by others, and Zhang Meimei is a typical "debtor".
"The total amount of debt you are now carrying is much higher than your actual earning capacity, and the overdue loan will not only affect your personal credit report, but you may also be liable for legal liability. Xu Xiang patiently popularized the law for Zhang Meimei and gradually won her trust. In the end, Zhang Meimei told the police in detail the ins and outs of the matter.
Sweet talk
Credulity into a trap
Zhang Meimei does not have a high level of education, and after the divorce, she supports the elderly and raises her children alone, and her life is relatively poor. In the summer of 2020, Zhang Meimei's "good sister" Liu Xiaohong visited her house and brought a "good news" to Zhang Meimei, who had no job - "If you come to our company, the boss can also buy a house for the employee, just for your son to get married in the future." This sentence touched Zhang Meimei's heart.
After Liu Xiaohong's introduction, Zhang Meimei successfully joined the company and became a 9-to-5 "office worker". The company holds a morning meeting on time at 9 o'clock every day, and late arrivals and early departures need to be reported. Leaders often give employees a lot of lectures on Sun Tzu's Art of War, Warren Buffett's investment and wealth and other "knowledge", Zhang Meimei can't understand, the company arranges for her to do some chores.
Soon, the boss of the company "fulfilled" the promise to buy a house, saying that the owner of a house was in a hurry to sell, the price was affordable and could not be missed, and he took Zhang Meimei's ID card and bank card, saying that he could go through the procedures for buying a house by checking the credit. The company paid the down payment for the first time to buy a house, and the loan part did not need to be worried about Zhang Meimei.
In order to motivate employees, the boss of the company promised that as long as they introduced people to buy houses in the company, they could get commissions, and asked employees to recruit social personnel to join the company. Under the temptation of commission, Zhang Meimei did not refuse the company to "purchase" the property for her for the second time. But the first house has not yet been able to move in, and the company began to "buy" a second house for her, Zhang Meimei muttered in her heart.
After patient and careful analysis by the police, Zhang Meimei finally understood that she had gullible the rhetoric of the "good sister" Liu Xiaohong and the boss of the company, and was used by them.
The police handling the case reviewed the main criminal suspect Zhou XX
Dig deeper
Professional loan fraud gangs surfaced
According to the clues they had, the people's police gradually portrayed the organizational structure of the criminal gang headed by Wang Qiang, and a criminal organization that operated as a corporatization and unscrupulously infringed on bank financial assets gradually appeared in front of the police.
The Xuzhou Municipal Public Security Bureau quickly set up a special case team to make every effort to crack the case. After investigation, since 2019, Wang Qiang, together with Zhou Guangtao, Huang Guang and other core members of criminal gangs, has registered companies in Xuzhou, Jiangsu, Huaibei, Anhui and other places, released recruitment information, and collaborated with real estate agents and credit officers to over-evaluate the price of second-hand housing on the one hand, and on the other hand, after making a down payment for a house purchase, he applied for a mortgage loan from the bank in the name of an employee, and then worked with the seller to take the loan for himself after the bank lent money.
In order to "drain" all the credit of employees, Wang Qiang's criminal gang also set up a shell company in the name of "debtors", made false income certificates, packaged employees as high-quality customers such as company executives, and applied for tax loans and business loans from banks. These "professional debtors" are in fact "tool people" who have been manipulated by criminal gangs, who have a house and a company on the surface, but in fact they are burdened with a lot of loans and have no ability to repay the loans.
Catch a turtle in an urn
So that the "trader" has nowhere to hide
The preliminary investigation work has come to an end, and there is no need to delay in closing the network. This criminal gang has three dens in Xuzhou, Jiangsu, Huaibei, Anhui Province, and other places, and its personnel are highly mobile, and its work location and time are not fixed, which poses a great challenge to the arrest work.
In order to ensure that nothing goes wrong, before the operation began, the special case team formulated a detailed arrest plan, and with the strong support of the Huaibei police, it analyzed and judged Wang Qiang, Zhou Guangtao and other criminal suspects, and fully grasped the activities of the people involved. In October 2023, the task force will deploy capable police forces and cooperate with the Huaibei police to carry out arrest operations.
In the early morning of late autumn, the cold was shrouded, and the police of the special case group were nervously deployed, seeing that the sky was about to dawn, but they still failed to find any clues of the suspect. "Wait a little longer, everyone keep an eye on the spot. "The commander gave the order. The arresting police have always remained sober and vigilant, and do not dare to relax in the slightest. At about 6 o'clock on October 25, 2023, the main suspect and the accountant of the company involved in the case, Wu Fang, finally appeared in the sight of the police. Wu Fang hurriedly rode an electric bicycle and never went out after arriving at Wang Qiang's office.
In order to avoid startling the snake, the arresting police decided to stay put. After a while, Wang Qiang, Zhou Guangtao and others also rushed to the office one after another. Seeing that the criminal suspects had gathered together, the commander gave an order, and the police who had been waiting for a long time quickly rushed into the den, arrested all the criminal suspects who were still in a daze, and seized a large amount of physical evidence such as accounting vouchers, bank cards, false contracts, and notarial deeds on the spot.
After interrogation, the special case team learned that the members of the criminal gang vaguely felt bad, so they met in the office to discuss countermeasures, preparing to destroy the evidence and abscond with the money. Fortunately, the police of the task force acted quickly and wiped out this group of "cunning foxes". So far, this case of fraudulent bank loans has been successfully solved, and the mysterious "trader" behind the "debtor" has finally been caught.
After investigation, Wang Qiang's criminal gang tricked more than 50 employees as "debtors", purchased more than 70 real estate properties in their names, and defrauded bank loans of more than 7,000 yuan. At present, the relevant persons involved in the case have been taken criminal compulsory measures by the Xuzhou Municipal Public Security Bureau on suspicion of fraudulently obtaining loans, and they will be severely punished by law. (The names of the people in the article are pseudonyms except for the police)
Source: People's Daily