Tiktok real name reporting / real name whistleblowing Wu Licai has released a real name report Bank Of Guiyang Co.Ltd(601997) Chengdu branch asking for loans to enterprises to report billions of videos. The amount of 1w+ has been watched by the company.
The 21st Century Business Herald reporter contacted Wu lichai himself, who confirmed to the reporter that garden industrial company needed a loan for business development in 2011, so he negotiated with Bank Of Guiyang Co.Ltd(601997) Chengdu branch to apply for a mortgage of 50 million yuan with the commercial real estate of Sichuan Garden Real Estate Development Co., Ltd., which is 85% owned by Garden Industrial.
Wu lichai said, but one week before the loan was issued, Bank Of Guiyang Co.Ltd(601997) Chengdu Branch adjusted the lending form. The two sides actually signed a loan contract with an amount of 29 million yuan, and the remaining 21 million yuan was actually issued in the form of “loan to deposit” by issuing bank acceptance bills for cash. The two sides signed a bank acceptance bill agreement of 30 million yuan and paid a deposit of 9 million yuan to the bank.
make more than 10 deposit “returns” by acceptance bill
Since then, the ten “borrowing the new and returning the old” triggered by the 30 million bank acceptance bill have made garden industry pay a great “price”. The contract with Huayuan will be renewed for 50 million yuan every year during this period, every year, the bank will introduce the “bridge funds” of the third party equivalent to the loan amount, and repay the “bridge funds” of the third party after offsetting the loan of Huayuan Industry and after such a “operation”, garden industry paid a “high bridge fee”.
Moreover, after Bank Of Guiyang Co.Ltd(601997) Chengdu Branch granted loans to Huayuan Industrial Company, the bank needs to ask Wu lichai, the legal representative of Huayuan Industrial Company, to help the bank complete the so-called deposit task, deposit the loans in the bank again, and convert them into the reserve for acceptance bills at the request of Bank Of Guiyang Co.Ltd(601997) Chengdu Branch, and Bank Of Guiyang Co.Ltd(601997) then issue the loans to Huayuan Industrial Company in the form of acceptance bills.
In August 2021, Huayuan Industry sued Bank Of Guiyang Co.Ltd(601997) Chengdu branch to the people’s Court of Chengdu high tech Zone, requesting the court to order the bank to invalidate the loan contract of 30 million bank acceptance agreement illegally signed in the loan contract, and compensate Huayuan Industry for the loss of more than 3.7 million yuan; Order to compensate garden industry for the interest loss of more than 5 million yuan due to illegal signing of contracts in more than four years; The court ordered Huayuan Industry to compensate the plaintiff for the loss of more than 13 million yuan, totaling more than 21 million yuan.
As of press time, the first instance of this case has been held and no judgment has been pronounced.
bank suspected of falsely increasing deposits
Wu lichai also complained to the regulatory authorities about the bank’s operation. Sichuan banking and Insurance Regulatory Bureau believes that Bank Of Guiyang Co.Ltd(601997) Chengdu branch is suspected of transferring loans to deposits and illegally handling bank acceptance bill business.
Sichuan banking and insurance regulatory bureau held in the opinion on investigation of reporting illegal bank and insurance acts made on February 8, 2021 that there was indeed a false increase in deposits in the loan of 29 million yuan issued on May 31, 2011. On June 1, 2011, Bank Of Guiyang Co.Ltd(601997) Chengdu Branch entrusted the loan funds to Sichuan Chenshu Investment Co., Ltd. according to the payment power of attorney submitted by Huayuan Industry Co., Ltd. after the entrusted funds were misappropriated and returned to the account of Huayuan Industry in Bank Of Guiyang Co.Ltd(601997) Chengdu Branch for issuing large certificates of deposit.
According to the relevant person of the bank, it is true that some banks will respond to the performance assessment by “falsely increasing deposits”. At the end of each quarter and the end of each year, the pressure on banks to solicit deposits will increase. For some commercial banks, the bank deposit index is still a key factor in the quarterly and annual assessment.
In the letter of complaint sent by Huayuan Industry to Sichuan banking and Insurance Regulatory Bureau, it mentioned that Bank Of Guiyang Co.Ltd(601997) Chengdu Branch issued several bills without real transaction background and VAT invoices. With regard to this, Sichuan banking and Insurance Regulatory Bureau believes that the bank is suspected of handling bank acceptance business in violation of regulations, and there is indeed a case of handling bank acceptance without real trade background
the court did not determine that the bank arranged garden industry to provide bridge funds to repay the loan
Sichuan banking and Insurance Regulatory Bureau has not accepted the matter that Huayuan Industry has repeatedly arranged others to provide bridge funds to Huayuan Industry to repay loans and bank acceptances and act as fund brokers.
On November 11, 2020, Sichuan banking and Insurance Regulatory Bureau issued the notice on reporting violations of bank insurance, indicating that there was a civil judgment indicating that the court could not determine whether the Bank Of Guiyang Co.Ltd(601997) deposit between Chengdu branch and Huayuan Industrial Company repaid the old loan with credit and used others to cross the bridge to repay the loan. Therefore, Sichuan banking and insurance regulatory bureau did not accept the relevant matters. In this regard, Wu lichai refused to accept the application for reconsideration, and Sichuan banking and insurance regulatory bureau decided to maintain the report notice. Huayuan Industry refused to accept this decision and filed an administrative lawsuit with the court of Chengdu high tech Industrial Development Zone. On September 7, 2021, the first instance of the administration rejected the lawsuit request of Huayuan Industry, and the second instance still rejected the appeal of Huayuan Industry and upheld the original judgment.
The 21st Century Business Herald reporter contacted the relevant person in charge of Bank Of Guiyang Co.Ltd(601997) Chengdu Branch, who only said that there was a judgment as evidence, so it was inconvenient to interview the specific situation.
