1. In violation of the provisions on mortgage guarantee and approval authority of large loans, large loans are divided into multiple micro-credit loans by breaking them into parts, and large loan customers collect customer information of micro-credit loans, and fabricate micro-credit loan application forms, loan investigation reports, virtual loan information and so on to issue loans. Note: Rural credit cooperatives are the most common, so credit officers of credit cooperatives should attach great importance to them.
2. Failing to strictly examine the identity conditions of the borrower according to law, and issuing false loans knowing that the borrower is inconsistent with the actual user;
3. knowingly providing false loan information, failing to strictly examine the borrower's loan purpose and repayment ability as required, and issuing loans in violation of the loan issuance process;
4. Failing to perform their duties seriously in the process of accepting and issuing credit, handling loan procedures without the presence of the guarantor, not investigating and verifying the identity of the guarantor, and issuing loans in violation of regulations;
5. Lending loans without strictly examining the ownership of mortgaged real estate, land and vehicles, repeated guarantees, etc., and without substantially investigating the guarantor's guarantee ability and credit standing;
6. Lending loans without strictly checking the borrower's assets, operations, financial information and changes in shareholders, and fabricating credit reports that are obviously inconsistent with the facts.
7. Due to the arrangement or requirements of the unit leaders, overdue loans were not investigated before lending, approved and issued in violation of regulations, and the purpose of loans was not checked after lending, resulting in loans that could not be recovered;
8. loans overdue did not conduct on-the-spot verification, pre-loan investigation, review and evaluation of the borrower's loan information before issuing the loan, did not perform his duties seriously, and did not sign a written contract with the borrower, which made it impossible to recover it;
9. In the process of handling the project mortgage loan, in violation of the relevant provisions of the People's Republic of China (PRC) Commercial Bank Law, the income in the unaudited loan application materials proves the authenticity, and the lender's credit report is issued in violation of regulations, and the bank loan is issued, resulting in loans overdue's failure to recover it.
10 violates the relevant provisions of the state and the Measures for the Implementation of Working Capital Loans of the Bank, and instructs borrowers to fabricate trading relationships, forge purchase contracts, fabricate loan purposes, and issue loans in violation of regulations.
1 1. In order to complete the task of collecting loans and interest issued by the superior, customers who fail to pay the principal and interest of the loan within the time limit will be given loans by repaying the old ones with new ones and collecting interest on the loans. The lender himself signed and printed the loan voucher, and the loan was not issued to the lender himself, but it was just a formality, and finally the loan could not be recovered;
12. In the factoring loan business, the seller's production and operation, industry experience, past trade records, the real trade situation between buyers and sellers and the authenticity of relevant materials were not strictly investigated and verified; The amount of accounts receivable does not meet the requirements of factoring loans, forging the confirmation letter of accounts receivable transfer, fabricating the amount of accounts receivable, and issuing loans in violation of regulations;
13. The borrower's qualification, loan purpose and repayment ability were not carefully examined, and the household survey was not conducted, and he signed on behalf of the second investigator to issue loans to borrowers who falsely guaranteed loans, fabricated loan reasons and changed loan purposes, resulting in loans overdue's failure to return them;
14. Without verifying the transaction relationship and background, taking advantage of his position, he changed the amount of the deposit of the borrower's acceptance of the bill of exchange in the bank credit system without authorization, and falsely increased the credit limit of the borrower, resulting in the inability to recover the loan issued by the bank through acceptance.
According to the different circumstances of such cases, the criminals in such cases shall be punished. In China, procuratorial organs try cases and submit them to people's courts. If the evidence of the case is unclear, they can also ask such case-handling units to re-investigate such cases to ensure the legitimate rights and interests of financial organizations.
Legal basis: Article 175th of the Criminal Law of People's Republic of China (PRC).
Whoever defrauds a bank or other financial institution of loans, bill acceptance or financial bills by fraudulent means, causing heavy losses to the bank or other financial institution or having other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also, or shall only, be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.
If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the persons who are directly in charge and other persons who are directly responsible shall be punished in accordance with the provisions of the preceding paragraph.