From then on, the bank will tell the court to demand repayment.
After the court heard the case, the judgment was that the bank should bear the adverse consequences caused by the internal control mechanism.
On August 30th, 20 12, Bank of Communications signed personal revolving loan contracts for 69-year-olds and 20 12. According to the agreement, Li is an individual revolving loan, and the loan interest rate is 5% from September 4, 2065438 to September 4, 20 13, which was raised by the People's Bank of China in the same period. At the same time, the two sides signed a maximum mortgage contract. Wenli, a house in Haidian District, Beijing, provided the highest mortgage guarantee for the loan and obtained the certificate of other rights of the house.
On September 4th, 20 12, Bank of Communications issued a loan of RMB10.5 million to Li Bank's account.
However, during the performance of the contract, Wen Li did not repay the money according to the contract. To this end, the bank will be in Beijing Xicheng People's Court.
During the trial, the communication application request: Li (Li) 1.5 million yuan; Li Sheng was appointed according to the personal revolving loan contract, and interest, fines and food were paid from April 4th, 20th/kloc-0th/3rd. On June 6, 20 18, the number of subscribers reached 746,753.83 yuan.
According to its introduction, in the loan process, only the real estate license is true, and the rest of the loans are managed by the bank manager in the name of a man's forgery. Among them, among the campers, the old man had six signatures and forged her husband's Ceng Ming logo and work certificate.
The old man said he didn't use the loan.
In addition, the mortgage property provided by the old man is the husband and wife property that she bought after her husband got married, and once the loan is clear, the mortgage loan is unique and no corresponding materials have been signed. Zeng Ming's signature is forged.
After recalling the personal revolving loan contract and the maximum mortgage contract, the old man wanted to repent. I asked Liu Man's real estate license for loan mediation, but Liu Nan didn't agree. She hit Li Sheng's disguised authorization. The highest mortgage contract and other materials, mortgage registration, illegal mortgage fraud.
The old man said that he did not go to the real estate registration center and did not sign the mortgage application form, hoping that the court could safeguard his legitimate rights and interests.
Court: the lack of internal control mechanism of banks should bear adverse consequences.
After hearing the case, the court held that in this case, the Bank of Communications made major mistakes in the process of handling the loan business, and there were problems of poor management and insufficient education, as well as problems in the work of the loan approval and risk verification departments. At present, the internal control mechanism of Bank of Communications is lacking, and the corresponding adverse consequences should be guaranteed.
The court ruled that all the lawsuits of Bank of Communications were dismissed.