On December 31, 2020, three young people born in the 90s, Ji Mouqun, Li Mouxi and one other friend, came to Lucheng Rural Commercial Bank in Changzhi City, Shanxi Province and signed a high-value loan contract, each with a loan of 2.99 million yuan. The three young men earn only 3,000 yuan a month, so they have attracted people's attention and suspicion. The huge loan was disbursed and withdrawn on the same day, but the whereabouts of the money are still unknown. The incident has raised widespread questions in the society about whether the bank's operation is suspected of violating regulations.
This incident has attracted widespread attention and discussion on the Internet. Some have questioned the simplification of bank lending, whether there was internal collusion, or that there were omissions in the review process. There are also suspicions that there is an exchange of interests between the three post-90s young people and the chairman of the bank, so that they can easily obtain such a huge loan. However, there are also criticisms of young people's rash behaviour as believing too much in their friends and not thinking too much.
Similar incidents have happened in the past. Some criminals take advantage of personal trust relationships to defraud in the form of large loans. They often obtain undue benefits by instigating borrowers to act as guarantors, promising to help them obtain large loans. This is similar to the incident of Shanxi Rural Commercial Bank, which is to take advantage of people's trust relationship for the purpose of obtaining profits.
The impact of this incident on society cannot be ignored. First, it raises questions about the regulatory mechanisms for bank lending, such as whether there is internal corruption and whether the relevant review procedures are rigorous. Secondly, the incident may lead people to become suspicious of their trusting relationships with their friends and to be more cautious in dealing with economic affairs. Finally, the incident serves as a reminder not to be greedy for small gains, so as not to fall into a similar trap.
At present, there has been no new development in this case. The staff of the audit center asked Lucheng Rural Commercial Bank to come up with a handling opinion before December 15, 2020. But as of now, no further information about the case has been released.
This incident had a profound impact on society as a whole. It has not only aroused public concern and doubts about the chaos of bank lending, but also made people wary of the risks in personal trust relationships. In addition, the ** of this case also reminds people to be cautious in handling personal financial affairs and not to be greedy for small gains, so as not to fall into similar traps.
When facing this incident, readers can think about the following questions: Why did these three post-90s young people believe their friends' suggestions so easily and blindly sign without knowing the content of the ** contract?Are there any loopholes in the bank's lending process?How to avoid becoming a victim of similar incidents?How to be vigilant and cautious in a relationship of trust?
On December 31, 2020, a shocking loan chaos occurred in Changzhi City, Shanxi Province. Three young people, Ji Mouqun, Li Mouxi and another friend, successfully took out a huge loan of nearly 9 million yuan with a monthly salary of only 3,000 yuan. This incident has aroused widespread attention and discussion in society.
The ins and outs of the matter are like this, Li Mouxi had a loan deal with Ma Zejun, the chairman of the Rural Commercial Bank, so Ma Zejun found Li Mouxi and asked him to find three guarantors to help with the loan. Ma Zejun promised Li Mouxi that the money they borrowed could be invested in the rural commercial bank, and the corresponding shares would be obtained to cover the interest on the loan. Li Mouxi thought that this was a pie in the sky, so he asked Ji Mouqun and other three people to help. On the same day, the three young people signed a high-value loan contract with the bank, each with a loan of 2.99 million yuan for a period of one year.
However, the most incredible thing is that the loan contract is released on the same day and is withdrawn. But where this huge sum ended up is still a mystery. This situation has caused widespread doubts and questions in the society about why these young people can get huge loans so easilyIs there any negligence or other improper operation in the review process of the bank?
The case has also drawn public attention to the chaos of bank lending. Some people questioned the simplification of bank lending, whether there was internal collusion, or that the review process was not strict. Compared with the regular loan procedures, the process of these three post-90s loans is too smooth, which makes people wonder if there are illegal operations. In addition, some netizens also expressed criticism of the suggestions of the three post-90s gullible friends, believing that they trusted their friends too much and did not think carefully.
The case has also sparked some comparisons of similar incidents. Similar scams have happened in the past. Criminals often take advantage of personal trust relationships to defraud in the form of high-value loans, inducing borrowers to act as guarantors and promising them corresponding benefits. This is similar to the case of Shanxi Rural Commercial Bank, which is based on a relationship of trust and aimed at obtaining improper benefits.
This incident had an important impact on society. First, it raises questions about the banking oversight mechanism, with concerns about the compliance of banks' internal operations and the desire for a more rigorous review process. Secondly, the incident also serves as a warning to people to be cautious in their financial dealings with friends and not to easily trust the good intentions of others. Finally, the incident is a reminder to avoid falling into a similar trap for small gains.
So far, there have been no new developments in the case. The staff of the audit center asked Lucheng Rural Commercial Bank to come up with a handling opinion before December 15, 2020. We look forward to seeing more of the outcome of the investigation into this case and hope to receive a fair outcome.
In the face of this incident, we also need to think about some questions. Why would these three post-90s young people believe their friend's advice so easily and sign blindly without knowing the content of the ** contract?Are there any loopholes in the bank's lending process?How to avoid becoming a victim of similar incidents?How to be vigilant and cautious in a relationship of trust?
This incident is a wake-up call for us, don't trust others, and be wary of the traps behind the cheap. Only by remaining cautious and vigilant can we stay away from similar loan chaos and protect our own interests.