According to public information, Xinxiang Bank was approved by China Banking Regulatory Commission on1August 3, 1997. On the basis of the original Xinxiang Credit Cooperative, it was jointly established by local finance, local legal persons and natural persons. It is the only local joint-stock commercial bank in Xinxiang. Its controlling shareholder is Xinxiang Municipal Finance Bureau, holding 24.96% shares of Xinxiang Bank.
By the end of 20 12, Xinxiang Bank had achieved a deposit balance of14.2 billion yuan, a loan balance of 9.2 billion yuan, a total share capital of 10 billion yuan, a core capital adequacy ratio of 15.5 1% and a non-performing loan ratio of1.
If the funds involved in the Zhang Li incident need Xinxiang Bank to "cover the bottom", then Xinxiang Bank will bear huge losses. "If this part of the funds can't be recovered in the end, both the borrower and Xinxiang Bank will go to court, and ultimately it depends on how the court characterizes Zhang Li's behavior. If it is characterized as a job behavior, Xinxiang Bank is responsible for this part of the funds. " The above lawyer said.
The suicide of Zhang Li, the former president of Xinxiang Bank Zhongyuan Sub-branch, instantly put the depositors who signed the loan contract with him into a panic.
On August 20th, the reporter of Financial Weekly rushed to the local area and confirmed from Xinxiang Bank that Zhang Li, the former president of Xinxiang Bank Zhongyuan Sub-branch, "took advantage of his position to borrow money from depositors in the name of financing enterprises and used it for other purposes. Because the funds could not be recovered, he committed suicide last month, and the current flow of funds is unknown. "
According to the reporter of Financial Weekly, since September last year, Zhang Li has borrowed money from depositors by signing loan contracts on the grounds of "internal fund operation planning" and "fund business development". According to the loan contract issued by several depositors to reporters, Zhang Li borrowed 80 million yuan in the name of Xinxiang Bank Zhongyuan Sub-branch. In addition, some depositors hold IOUs handwritten by Zhang Li in his own name, amounting to more than 6,543.8 billion yuan, and other victims are not excluded.
At present, the local public security department has set up a task force to investigate this incident.
The loan scam of the branch president, the flow of funds of 1 100 million yuan is unknown.
A loan contract held by the Financial Weekly reporter shows that the borrower of the contract is Xinxiang Bank Co., Ltd. Zhongyuan Sub-branch. Due to the development plan of internal fund business, * * * borrowed 20 million yuan from four lenders, of which the loan amount of one lender reached130,000 yuan, and the loan date was September 2003, 2065.438+065.438+0, and it has been repaid.
According to the statistics of several loan contracts, the lenders involved in the contract * * * are 1 1 depositors, and most of them have large deposits in Xinxiang Bank. The contract signing date is between September 20 13 and February 20 14.
"Zhang Li called us to her office and told us that the enterprise can't approve the loan, so we can use our money first, and the interest is relatively high, but it is not higher than the amount stipulated by the state. Zhang Li said he was a guarantor, guaranteeing our principal and interest. We went in the name of Xinxiang Bank and President Zhang Li. The contract has the official seal of Zhongyuan Branch and the autograph of Zhang Li. " A depositor told the Financial Weekly reporter.
It is understood that at Zhang Li's request, depositors did not deposit their funds in Zhang Li's personal account or an enterprise's account, but in several different private accounts. These accounts paid interest to depositors every month from the end of last year to June this year until Zhang Li committed suicide in July. At present, the local public security department is investigating these accounts.
When depositors who didn't receive interest found Xinxiang Bank Zhongyuan Sub-branch in July, they were told that Zhang Li's behavior was illegal fund-raising and was not protected by law, and the bank was not responsible for it.
At present, depositors whose funds exceed 1 100 million face the risk of loss of principal and interest.
The Financial Weekly reporter learned from a staff member of Xinxiang Bank Zhongyuan Sub-branch that Zhang Li signed a loan agreement with the customer with the official seal during his tenure, and part of the loan was used for usury. And stressed: "Zhang Li's borrowing behavior is his personal behavior."
The above-mentioned insiders said, "The funds flow mainly to smugglers' accounts, not to corporate accounts, and these borrowers have not handled any personal savings business at the bank counter. If they have handled personal savings business at the counter, the bank will definitely be responsible for the money. "
According to the reporter, as of the end of 20 12, Xinxiang Bank had 33 branches, and Zhongyuan Branch was a small branch. According to the 20 12 annual report of Xinxiang Bank, the total number of employees in Xinxiang Bank Zhongyuan Sub-branch is only 13, and the staffing of other functional departments is also limited, which may leave huge room for Zhang Li to raise funds illegally.
"The official seal is generally kept by the office or full-time department. Small companies are not very meticulous in keeping official seals. It is very common to actually hold it in the hands of the legal representative. " The above lawyer said. "But because the borrower indicated in the loan contract is Zhongyuan Sub-branch of Xinxiang Bank Co., Ltd., and the contract is signed by the legal representative of the bank and stamped with the official seal of the bank, the lender can theoretically conclude that Zhongyuan Sub-branch has signed a contract with it."
The problem of small branches is high.
According to public information, Xinxiang Bank was approved by China Banking Regulatory Commission on1August 3, 1997. On the basis of the original Xinxiang Credit Cooperative, it was jointly established by local finance, local legal persons and natural persons. It is the only local joint-stock commercial bank in Xinxiang. Its controlling shareholder is Xinxiang Municipal Finance Bureau, holding 24.96% shares of Xinxiang Bank.
By the end of 20 12, Xinxiang Bank had achieved a deposit balance of14.2 billion yuan, a loan balance of 9.2 billion yuan, a total share capital of 10 billion yuan, a core capital adequacy ratio of 15.5 1% and a non-performing loan ratio of1.
If the funds involved in the Zhang Li incident need Xinxiang Bank to "cover the bottom", then Xinxiang Bank will bear huge losses. "If this part of the funds can't be recovered in the end, both the borrower and Xinxiang Bank will go to court, and ultimately it depends on how the court characterizes Zhang Li's behavior. If it is characterized as a job behavior, Xinxiang Bank is responsible for this part of the funds. " The lawyer said.
It is understood that in the development plan of Xinxiang Bank for 20 13 years, the measures of "maintaining the high-pressure situation of case prevention and ensuring zero case" are listed separately. However, since June this year, negative news about "President of Xinxiang Bank Branch" has exploded intensively.
At the beginning of June, the president of Xinhua Sub-branch of Xinxiang Bank was reported by the media to illegally transfer180,000 yuan with the seal of others. Also in June, the presidents of two branches of Xinxiang Bank were accused of using the bank's authority to illegally lend money, and the lenders absconded with 9 million yuan. In July, it was found on the Internet that the president of Qiaobei Sub-branch of Xinxiang Bank misappropriated the deposit of a local company in Xinxiang on July 2, 2065.438+095,000 yuan.