[news] April 12th reporting network in Beijing (Yangtze River daily) in recent years, China Everbright Bank Wuhan branch closely around the "three, three dozen, three, three" key work, and resolutely curb the effective prevention and control of the risk of illegal fund-raising. Yesterday, the China Everbright Bank Wuhan branch responsible person to remind the general public, be wary of illegal fund-raising wrapped in private lending coat.

The official said that in the area of private lending active in Jiangsu and Zhejiang provinces, illegal fund-raising cases often occur, such cases in recent years showed a high trend. A small number of criminals "hanging wine and sell vinegar", by the trust of the victim, a "borrowing" coat, for the purpose of illegal possession, illegal fund-raising by means of fraud, huge data, causing heavy losses to the interests of the people.

Zhejiang, Shaoxing had such a classic case: Zhang is a legal representative of the city's clothing company, the company was publicized in 2010 as a AAA credit rating companies". During the period from 2008 to October 2011, the production and operation of enterprises need working capital, bank lending and the purchase of land on the grounds, to conceal the capital chain rupture in fact, "borrowing" form "rob Peter to pay Paul", successively to the public 64 loans, defrauding loan RMB more than 1 billion 300 million yuan, the largest of which the victim was actually cheated 160 million yuan, the smallest amount of borrowing has 20 thousand yuan. Zhang to remove the way to repay the debt of 800 million yuan, most of the money used to repay high interest loans, personal purchase of real estate, cars, the actual cheated more than 400 million yuan of funds. The city's Procuratorate believes that the defendant Zhang illegal possession for the purpose of the use of illegal fund-raising fraud method, a huge amount, should be held criminally liable for fraud.

In this case, China Everbright Bank Wuhan branch of the relevant responsible person said, the case of illegal fund-raising fraud means constant renovation, showed the following characteristics: one is the use of new friends and acquaintances around trust, to rob Peter to pay Paul "and" borrowing "way to obtain the trust of the victim, to provide financial support for the two is illegal; there is a huge fund-raising high interest temptation; three is the implementation of illegal fund-raising through forged bank loans and investment project file.

In order to fully fulfill their social responsibilities, to maintain social stability and risk prevention as the core, to further improve the work system, and resolutely curb the effective prevention and control of illegal fund-raising risk, China Everbright Bank Wuhan branch to carry out extensive publicity and education work in depth, but also play an active role in the sentinel financial industry forefront, make full use of big data thinking and means. Relying on all kinds of monitoring and early warning model, centering on the "three check (management behavior, employee behavior, customer behavior), Qing (Qing Qing Qing portal, customers, accounts), three (to combat illegal fund-raising, private lending, private sale financial), three (anti fraud, anti fraud, anti money laundering)" focus the implementation and increase the illegal fund-raising investigation efforts, through scientific and technological means, thorough investigation of employees and customers involved in the abnormal trading behavior of illegal fund-raising, to prevent employees involved in private lending, Method of fund-raising and other illegal and abnormal behavior, to crack down on the use of bank accounts to engage in illegal fund-raising and other illegal activities, illegal fund-raising behavior to nowhere to hide.