Ms. Cheng, an ordinary woman from Sichuan, exposed the illegal loan issuance by Shanghai Pudong Development Bank Chengdu Branch on Weibo with her real name, which aroused the attention and heated discussion of many netizens. Ms. Cheng said on Weibo that when she checked her credit report, she found that she had two huge loans from Shanghai Pudong Development Bank Chengdu Branch in her name, totaling 12 million yuan, but she had never borrowed money from Shanghai Pudong Development Bank Chengdu Branch. . Everyone is afraid of something like this happening, so Ms. Cheng embarked on a difficult road to defend her rights. 1. Checking the credit report, a loan of 12 million was found under her name
Ms. Cheng is an ordinary housewife. Her husband has passed away many years ago. She has worked hard to raise two children by herself. She has lived a difficult and ordinary life these years. life. This year, she went to the bank to do business and printed out her credit report. The content showed that she had had two huge loans, amounting to 12 million.
These two huge loans, each worth 6 million, were made in 2011 and 2012 respectively. The bank that issued the loans was Shanghai Pudong Development Bank Chengdu Branch. Although the contents of the credit report showed that the huge loan of 12 million had been paid off, Ms. Cheng still felt very frightened and confused. She has obviously never taken out a loan, but she has two huge loans under her name, which makes people think deeply. In order to protect her own rights and interests, Ms. Cheng decided to find out the truth. 2. If we want the truth, the bank will do everything to delay it
It is not easy for Ms. Cheng to find out the truth. During this process, Ms. Cheng was completely wronged and full of anger. Ms. Cheng and her family found Shanghai Pudong Development Bank Chengdu Branch to learn about loan-related matters. In the copy of the loan contract presented by the bank, Ms. Cheng discovered that neither the signature nor the fingerprint were hers. Therefore, Ms. Cheng and her family asked the bank to provide original documents and perform handwriting identification, but the bank rejected the reasonable demands of Ms. Cheng and her family for various reasons.
Ms. Cheng had no choice but to call the customer service number of Shanghai Pudong Development Bank to complain, but there was still no clear reply. In desperation, Ms. Cheng and her family had no choice but to bring their lawyers with them to the Shanghai Pudong Development Bank Chengdu Branch the next day. At this time, the bank staff avoided it one after another. After repeated persistence by Ms. Yang and her family, the bank finally arranged for the relevant person in charge and the risk control specialist to come forward to receive Ms. Cheng, her family, and lawyers.
However, the attitude and practices of the bank's person in charge and the risk control specialist made Ms. Cheng and her family very angry. Ms. Cheng used the word "arrogant" to describe them on Weibo. Ms. Cheng stated on Weibo that their main intention was to get Ms. Cheng and her family to give up on pursuing the truth, on the grounds that it would not cause them any losses. Their attempt to cover up the truth made Ms. Cheng and her family very confused and worried, thinking that there might be an ulterior secret. 3. Reported, the truth may soon come to light
The process of the Shanghai Pudong Development Bank Chengdu Branch’s pursuit of the truth made Ms. Cheng and her family feel very aggrieved. Others had used their own names for loans, so they had to find out what happened on their own. The truth has been pushed back and made difficult in every possible way. With no other option, Ms. Cheng and her family organized materials and reported to the Sichuan Banking and Insurance Regulatory Bureau and the Discipline Inspection and Supervision Team of the Sichuan Banking and Insurance Regulatory Commission with their real names. It is reported that the above two departments have received Ms. Cheng’s reporting materials, and have also contacted Ms. Cheng and her family, saying that the matter will be investigated strictly. The truth of this matter should soon come to light.
At the same time, the reporter also specifically contacted a staff member of the Chengdu Branch of Shanghai Pudong Development Bank for an interview. However, the other party avoided talking about Ms. Cheng's questions and said that everything would be subject to the bank's reply. The reporter called the Chengdu Branch Office of Shanghai Pudong Development Bank to learn about relevant matters, but no one answered the call. Subsequently, the reporter made inquiries and contacted the financial director of the company involved in Ms. Cheng's huge loan. However, when the other party heard that it was the reporter who wanted to know about the huge loan, he immediately hung up the phone, and then refused to answer the phone. He called the company involved, but the same was not done. People answer the phone.
With the other party avoiding the situation, the reporter had no choice but to consult several bank professionals about the situation to see if there was anything fishy going on.
Regarding this matter, one of the professionals expressed three opinions: one is to complete the loan task of the superior, privately use other people's information to make loans, and return it after completing the task; the other is to use other people's information to borrow money for other purposes, which may involve Transfer of benefits; the third at least shows that the bank did not do due diligence and due diligence approval before lending.