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Fictional house that does not exist, for the real property titles,http://bbs.peixiantv.com/home.php?mod=space&uid=11535, and then to the bank to defraud the secondary housing mortgage loans. "Fake mortgage" Since then there has been a new interpretation.
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A risk that the two "loopholes" potential long. Second-hand housing mortgage loans in the major capital security risks, the CBRC has caused concern and issued a nationwide emergency alert and improve instruction.
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80 sets of "fake mortgage"
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Risk was first revealed in the Sichuan region.
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Reporters from the local police that those involved Tang has checked it five cases suspected of Piandai. His series of operating practices revealed in renovating the old property management, as well as second-hand housing mortgage banking system vulnerabilities process. Currently,http://www.travelan.biz/cgi-bin/search.cgi, Tang has been arrested Wuhou Procuratorate.
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Tang is the North River. Once before,nike air jordan femme, a real estate company to work in Chengdu, responsible for handling resettlement housing ownership certificates.
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In 2006, Tang left the company, taking advantage of his plan for a large number of resettlement agreement,nike air max 90 pas cher, to housing authorities to apply for ownership certificates and adoption of second-hand sale of mortgage loans from banks cheated out of millions of funds.
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Police reveal his specific mode of operation.
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After March 2006,nike tn squalo, Tang to a million names a friend borrowed identity, represent this property linked to a million households in the head, and promised things are, thanks to a million 2000 yuan fee. Tang promised a million requirement. Tang identifying gaps relocation agreement of the original company, ID card filled with a million heads of households, fiction does not exist a cell Chengdu Qingyang Area 4 No. 4 unit 8 housing. He took this imaginary house demolition agreement to Chengdu Real Estate Trading Center, with a million in the name of the corresponding handle real estate license.
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With this real estate license after the fictional Tangmou homes in a second-hand housing market to register himself pretending to be buyers households, through a bank mortgage, "repurchase" a million of this "property", and from Bank sets out the nearly 20 million mortgage payments.
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So similar operation, Tang in just a year and a half, actually has repeated more than 80 times, more than 80 sets of imaginary houses,http://akutoku-deai.jp,tiffany milano, from bank to defraud the secondary housing mortgage payments million.
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Two walking in the banking and real estate trading center in Chengdu between "loophole", Tang taken shattering method, there is no money on the "sale" of real estate, mortgage payments depend lied to survive. Each "buy" after the return of a property, pay per month for a mortgage and the mortgage. Tang crazy "purchase" and then also on another set of fictitious real estate loans for the month.
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Process "loophole"
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According to local police sources, a full two years, Tang deeds are found,collezione hogan, they cash in bank funds, as well as the fictional home was no problem. Until November 2008, Tang suddenly decided to surrender to the police.
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To this end,nike air jordan, in Sichuan banks to carry out risk self-examination, and then find similar risks. Moreover, involving not just one or two banks.
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Regulators recently released documents show that the Sichuan region overwhelmed by isolated cases occurred in March 2006 to the end of 2007. Such cases have been referred to as "there is evidence no room" second-hand housing mortgage loans,escarpins louboutin, seized 92, the balance of 11.47 million yuan, ranging from 10 to 20 years of the loan. Banks involved in the Agricultural Bank, part of the branches of Bank of China, Bank of Communications and Minsheng Bank in Sichuan Province, and the Nanchong City Commercial Bank.
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"The whole incident, the housing authority shall also be responsible." A person in charge of the bank loan of thought.
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In the urban renewal work, demolition company demolition of housing in the local housing management center registered a total area greater than the actual building area,nike air max homme,http://www.carbuying.us, which became the "Tang" loopholes where they can be drilled. Fictional house that does not exist,air max, and the relocation agreement with privately retained and receipts, fake resettlement agreement, resulting in the local housing authority to handle real fictional house property right certificate, and then through the buy natural, effective with the signing of the purchase contract, to defraud the secondary housing mortgage banks,http://www.8liuxing.com/home.php?mod=spacecp&ac=blog&blogid=, causing major risk of bank funds.
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"Forged out of false certificates of title to cash from banks, exposing some banks in the management of the secondary housing mortgage loans, business processes and other aspects, there are still weaknesses, especially in some line managers to handle second-hand housing mortgage loan process, contempt this important part of the audit, the prevalence of the audit strict, business processes through the motions,http://bbs.xinxianjian.cn/forum.php?mod=viewthread&tid=50827, weak enforcement of rules and regulations and other issues, over-reliance on real estate warrants housing assessment report and intermediaries. "regulators said.
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"Three check" Demining
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"China's massive reconstruction of old, wave after wave, if that does not fill the loophole, would pose a significant risk of bank funds." A financial regulator said.
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Sichuan "loophole" after the outbreak,hogan sito ufficiale, the CBRC regulators and commercial banks to make at all levels to strengthen the "three examinations", ie bank loans before the investigation, after the loan when the loan review and inspection.
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The CBRC requires commercial banks as soon as possible to second-hand housing mortgage loans and other personal-credit business processes to conduct a comprehensive clean-up of the investigation and the business risk point each for rectification,nike air max. Some commercial banks "mine" Work has now entered the closing stages,http://rehabili.godream.ne.jp/cgi-bin/bbs14/bbs14.cgi,nike requin tn pas cher.
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In fact, the CBRC warning for the mortgage market, not only at this time. As early as this time last year, the CBRC a notice worded quite solemnly pointed out, part of the bank loan system exists in name only, credit due diligence formality.
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In addition,http://www.ban0.com/forum.php?mod=viewthread&tid=111186, some real estate development companies and real estate agency through false mortgage loans or more than one room, inflated registered capital, virtual lift prices and other means to obtain bank loans, working capital loans and some even embezzle invest in real estate project development, use of bank loans hoarding land, disrupted the real estate market, increased credit risks.
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In the clean-up, these risks some banks still have exposure. Reporter Li Yilin