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旅游大使馆面签常用英语收集

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Two years ago, the news that Wuhan nightlife financial management was cheated by 1 billion yuan detonated public opinion. Two years later, more details were disclosed as part of the case triggered by the incident. The first financial 1 °C reporter was informed that the 1 billion yuan of funds belonging to the United States is divided into 700 million and 300 million, respectively, to the two parties in Chengdu, Sichuan and Tongren, Guizhou. Guizhou Antai Renewable Resources Technology Co., Ltd. (hereinafter referred to as "Antai Company") and its legal representative Shen Jianzhong, who received 300 million yuan of funds, were found to be in contract fraud.



Judicial materials show that behind this "deceived" incident, in addition to the use of funds from the Antai company to obtain funds, it is accompanied by the huge interest of a number of financial intermediaries. The total amount of agency fees paid by the parties exceeds 100 million yuan, and the huge interest has become a powerful driving force for the parties to jointly create fraud. Judicial materials also show that the US group of executives know that the competent authorities prohibit banks from issuing letters of guarantee for enterprises, but in the face of the bank's “smooth opening” guarantees and obvious loopholes, they only take photos and seal the letters, and the US group is at 24 After the hour, the money will be released.

In the above three incidents, two cases involving 1 billion yuan were tried in the first instance of Hefei Intermediate People's Court in Anhui Province. After the Aetna case was pronounced, the defendant filed an appeal and the case was tried by the Anhui Provincial High Court. It has not yet been heard. Due to the complexity of the case involved, another case has been suspended. The Panzhihua case has not yet filed a public prosecution. Li Xing was the head of the Anhui branch of the Midea Group Financial Center. He was responsible for the revenue and expenditure settlement, bank credit, and financing of various companies in Anhui. In 2015, Li Xing and his classmates mentioned that the United States intends to lend money. The speaker is unwilling to listen to the intention, and his classmate Nie Yong has noticed this information that has great interests.

Shenpingzhong’s enterprises are struggling to find the funds they need to operate in Yuping County, Tongren City, Guizhou Province, thousands of miles away. Antai Company, which was built by him, is a small and well-known enterprise in the environmental protection industry. In 2011, Antai Company entered Yuping County by means of investment promotion. After years of development, it has developed well in the field of recycling of used tires, but it has not created rich profits for enterprises. On the contrary, due to the expansion of production and technology research and development, Antai Company needs a large amount of capital turnover. In addition to obtaining bank loans, Antai has also set up a P2P platform to absorb funds. These funds have maintained the normal operation of the company, but Shen Jianzhong still has to find ways to invest more money.

Yang Zhenfeng, the person in charge of the financing of Antai Company, has been running funds outside. For the cost of financing, Shen Jianzhong instructed Yang Zhenfeng, “As long as it does not exceed 24% of the total financing, the company can pay the money”. At this time, Li Xing of the Midea Group and the people of the Antai Group did not know each other. The appearance of Li Xing’s classmate Nie Yong eventually brought the two sides together. Midea Group's company structure is huge. In order to revitalize corporate funds, the company chooses to invest part of the company's funds in society and obtain interest. However, according to regulatory requirements, enterprises cannot directly engage in lending business. If idle funds are used for lending, they may either entrust loans through banks or adopt financial management methods. Naturally, this requires tailor-made products. Nie Yong and others have just put forward the idea of ​​"solving problems."

First of all, Nie Yong told Li Enze and Si Yijin about the news that the United States could lend money. Si Yijin’s identity is a staff member of Huachuang Securities, and Li Enze is specialized in capital intermediary business. Judicial materials show that during the financing period, Antai Company had sought the intermediary Hu and Zhang in Shenzhen. Under the recommendation of Hu and Zhang, An Zhen Company Yang Zhenfeng met with Li Enze and Si Yijin to discuss financing issues, and also contacted Tu Yongzhong of Chongqing Bank Guiyang Branch (hereinafter referred to as “Guiyang Branch”). Si Yijin and Li Enze believe that the beautiful group that Nie Yong mentioned before should be able to provide funds.

Si Yijin and Li Enze also know that the US side cannot directly lend to enterprises and needs financial institutions as a channel. However, Huachuang Securities cannot directly lend money to enterprises. It is necessary to add another trust company as a channel, and finally the trust company will lend money to the borrowing company. After reporting to the company's leaders, Si Yijin finally designed a set of investment and financial management plans. According to the investment instructions, Huachuang Securities and Lujiazui Trust signed a Lujiazui-Antai Trust contract. Huachuang Securities as the entrusting party, Lujiazui Trust as the trustee, will donate 300 million yuan of funds as trust funds to Antai Company.

The above schemes meet the requirements of the regulatory authorities and are legal operations. But in the end, if you want to make this financing, you need the most important document, that is, you must have a bank to provide Antai with a guarantee letter. Li Xing, who has been in the financial business for a long time in Midea Group, is also aware that as a lender, the most concern is the bank guarantee letter. If there is no bank document, no other conditions can be withdrawn. However, at that time, the regulatory authorities tightened the guarantee conditions, and the bank has rarely issued a guarantee letter for the company. Therefore, once a rare document such as a bank guarantee letter appears on the market, it will be repeatedly confirmed and verified.

Judicial materials show that for the guarantee letter involved in the financing process, Tu Yongzhong once said to Shen Jianzhong: "The guarantee letter can only be faked, and it is impossible to get together." In addition to the above-mentioned 300 million yuan project, Nie Yong will also be the Midea Group. Other mediators can be informed of the information on external lending. These intermediaries have also designed corresponding financial projects with a capital of 700 million yuan and three Chengdu enterprises with capital needs. The channel company of the Chengdu project is Shanghai Caitong and Bohai Trust.

At the same time as Si Yijin and others made financial plans, Antai Company and Tu Yongzhong set out to prepare for relevant procedures. Since Antai had a loan at Guiyang Branch, Tu Yongzhong arranged a series of credit documents for Antai Company accordingly; Shen Jianzhong also arranged for the company's financial personnel to modify the property data of Antai Company, including reducing liabilities and increasing profitability. . These documents were first passed to Li Xing for review, and Li Xing was handed over to other responsible persons in the US.

After obtaining the approval of the company's leadership, on March 8, 2016, Li Xing and his colleagues in the risk management department Zhu Liming went to Guiyang to prepare for the loan negotiation with Shen Jianzhong and Tu Yongzhong at Guiyang Branch.
On the morning of March 9, 2016, Li Xing and Zhu Liming came to the office of Tu Yongzhong of Chongqing Bank Guiyang Branch and saw Shen Jianzhong and Yang Zhenfeng. In hindsight, what Li Xing saw in this office was nothing more than a carefully rehearsed "double-spring" play.

During the conversation between the two sides, the office door was opened and a man came in. Tu Yongzhong, Shen Jianzhong, and Yang Zhenfeng all got up and greeted the man. "This is our Pan Xing, and I am particularly concerned about this project of Antai." Tu Yongzhong introduced Li Xing and Zhu Liming to the "Pan Vice President" of Guiyang Branch. "Pan Vice President" also warmly welcomed Li Xing and Zhu Liming to talk about business. "Antai is a good company, and it is our quality customer, and its development potential is quite good." In addition to praise Antai, "Pan Vice President" chatted with Li Xing and Zhu Liming. Ten minutes later, "Pan Vice President" left Tu Yongzhong's office.

Even with the introduction of bank leaders, Li Xing is still most concerned about whether Guiyang Branch can issue a letter of guarantee to Antai. In this regard, Tu Yongzhong made it clear that there was no problem. He also showed Li Xing and Zhu Liming the credit information of Guiyang Branch to Antai Company. In this way, the two sides basically reached an agreement, only waiting for the final signing. Li Xing and Zhu Liming did not know that the Guiyang branch did have a deputy governor of Pan, but it was not the real vice president of Pan, but the staff of Antai Company. On March 21, ten days later, Li Xing, Zhu Liming and Si Yijin came to Tu Yongzhong’s office and asked the bank to stamp the guarantee letter.

Li Xing submitted a letter of guarantee for the beauty of the United States. After Tu Yongzhong saw it, he printed an application for printing and summoned his subordinates to find the signature of the leader. Soon, another person with the appearance of a bank employee entered the Tu Yongzhong office with a small iron box with a seal. Tu Yongzhong took out the bank seal and placed it on the letter of guarantee, and stamped the signature of the president Deng Hui. Subsequently, Li Xing took a photo of the letter of guarantee and forwarded it to his colleagues for approval by the financial controller of Midea Group Financial Center. The original letter of guarantee is sealed in an envelope and signed by Zhu Liming and Tu Yongzhong at both ends of the envelope. At this point, the entire business process was completed, Antai company also quickly received 300 million yuan from the US group.

Li Xing and Zhu Liming are still unclear. The two people who entered the Tu Yongzhong office and took the application form and sent the seal were not the staff of Guiyang Branch. They were also pretended by the staff of Antai Company. After the signing of Guiyang, Li Xing and Zhu Liming flew to Chengdu, where the same "drama" was waiting for them. On the morning of March 22, 2016, Li and Zhu went to the office of Chen, the account manager of the Agricultural Bank of China Chengdu Wuhou Sub-branch. Prior to this, Chen also arranged for Li Xing and Zhu Liming to see the bank's "Huang Xingchang". Similar to the scene of Guiyang Branch, “Huang Xingchang” also praised the three companies that needed to use the money, and personally took out the official seal of the bank to cover the guarantee letter prepared by Midea Group. The US group's 700 million funds quickly entered the accounts of the other three companies.

In just 48 hours, the US$1 billion fund of the US group was loaned to other companies through the referral and “stamping” of counterfeit bank staff. According to the information disclosed by the Judiciary Materials, the expected return rate of the funds invested by Midea Group to Antai Company is 7.35% per annum and the term is 2 years; the estimated annualized income of the funds invested in Chengdu is 6.7%, and the term is two years. According to this data, if the two-year period expires, the borrowing company will repay the principal and interest on schedule, and Midea Group can receive interest of more than 100 million yuan within two years.

Judging from the information disclosed in the judicial materials, the motivation for the "starring" of the series of scams around the US group comes from the huge benefits behind it. After Antai Company obtained 300 million yuan of funds, it used most of the balance for the company's operation, and there was no large amount of expenses for individuals. These include reimbursing Chongqing bank loans of 30 million yuan and 500,000 yuan interest; 35 million yuan in the United States in advance; also used to pay for all kinds of money, the payment of workers' wages, the return of P2P investors funds and other matters.

It is worth noting that Antai Company also paid an intermediary fee of 41.52 million yuan to the intermediary. Among them, Li Enze received 15 million yuan, and Si Yijin and others also received more than one million agency fees; Tu Yongzhong was in cooperation. Initially, the requirements were put forward. After the matter was completed, Antai Company would lend him some funds to complete the performance task.

Who discovered "being cheated"? Two months after the above incident, the US group knew that its “financial management” behavior was caught in a series of scams. On June 29, 2017, Midea Group issued a statement saying that in May 2016, Midea passed the daily verification of internal control and found that there was a risk of fraud in the entrusted financial management matters. The first time to report the case, and the public security organ timely took the assets freeze and control. Relevant personnel and other effective measures have maintained the company's rights and interests to the greatest extent. However, the process of the US group disclosed by the Judiciary Materials found that the process of “being cheated” is completely different from the above information disclosed by Midea Group.

The first-instance judgment recorded that in the afternoon of May 27, 2016, after all the 1 billion funds were allotted for 2 months, Deng Hui, then the president of Guiyang Branch, called Yang, the manager of the United States, and asked if the US had received the bank. Commitments and guarantee documents, if received, promises and guarantees are false. Yang immediately told Li Xing about this situation. Li Xing also told Chen and Zhu Liming, and asked Si Yijin about this. Si Yijin’s reply is that the investigations and inquiries of the banks should be due to the inspection requirements of the banking supervision department. The US side only needs to say that it has not received the relevant documents.

Chen asked Li Xing to immediately ask Tu Yongzhong, but Tu Yongzhong did not respond to this situation. Chen immediately arranged for Li Xing and Zhu Liming to go to Guiyang to check the bank the next day, and Si Yijin also rushed to Guiyang. Tu Yongzhong arranged for the person of Antai Company to pick up the person at the airport and said that “the inquiry was due to the inspection of the banking regulatory bureau”, as long as it said that no promises and guarantees were received. Li Xing, Zhu Liming and Si Yijin did not heed this arrangement and directly found Deng Hui to verify.
Deng Hui made clear to Li Xing and others that as the president, he was not aware of the behavior of Antai Company's commitment and guarantee documents.

According to Deng Hui, the reason why the problem was discovered was that the bank conducted a post-loan inspection of Antai Company and found that it had recently entered the account of 300 million yuan, so he asked where the capital of Antai Company came from. Antai Company replied that from a Taiwanese company, Deng Hui expressed doubts about this. After repeated verification, it was confirmed that the money came from the US group. Deng Hui therefore suspects that some people inside the bank are providing false guarantees for certain enterprises. Li Xing and others found that Tu Yongzhong and Deng Hui were inconsistent, so they went to the public security organs to check whether the official seal on the letter of commitment was consistent with the official seal of the record. When they learned that they were inconsistent, they reported to the leaders of the US group that they had been cheated. .

According to the information on the above judicial materials, if the Guiyang branch did not find a problem and asked the Midea Group, the Midea Group was still unaware of the promise letter fraud. After discovering that he was deceived, the US side reported the case. The reporter at 1°C learned that since August 2016, the relevant persons in charge of the three companies of Antai and Chengdu have been arrested by Anhui Hefei police, and bank staff such as Tu Yongzhong and several fund intermediaries have also been investigated for criminal responsibility. After the incident was revealed, Li Enze and others have begun to refund the agency fee.

The three companies of Antai and Chengdu were divided into two cases for trial. Due to the complexity of the case, the trials of the two cases have undergone several extensions or suspensions. Until February 16, 2019, the case of Antai Company was pronounced by the Hefei Intermediate People's Court in the first instance. Antai Company was sentenced to a fine for unit crimes. Shen Jianzhong and others were found guilty of contract fraud and sentenced to fixed-term imprisonment. Shen Jianzhong was sentenced to 15 years in prison. After the verdict was pronounced in the first instance, Shen Jianzhong and others have already filed an appeal. The Anhui High Court has not yet held a trial in the second instance.

Relevant informed sources told the 1°C reporter that Antai Company was making a step-by-step holiday in accordance with the requirements of the capital intermediary. Judging from the various agreements they have signed, Antai has no contractual relationship with the US. The performance of the US side and its managers in the process of handling is also difficult to understand, which has become a question of doubt in the case. The insider said that the US manager had already known that the bank could not issue a letter of guarantee, but in the face of two banks in different places, it was easy to issue a letter of guarantee in a short period of time, and they did not do detailed verification.

In addition, after the signing of loans in Chengdu and Guiyang, on April 15, 2016, the US side borrowed more than 200 million yuan in Panzhihua City, Sichuan Province in the same way. This loan also has similar problems, and it also involves the bank issuing a letter of guarantee. Since the United States knows that the bank cannot issue a letter of guarantee, how much such business has been done in the same period has become a problem that should be clarified. The reporter at 1°C was informed that the three companies in Chengdu and their related personnel were also prosecuted for contract fraud and were tried by the Hefei Intermediate People's Court. However, the case is still in the state of suspension of trial, and no first-instance judgment has yet been made.
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