The anti-corruption campaign in the financial sector has been ongoing.
On January 22, 2024, the "Criminal Verdict of the First Instance of Zheng Chunhua** and Illegal Loan Issuance" [(2023) Yun 2329 Xingchu No. 149] published on the China Judgment Document Network disclosed the process of the fall of a middle-level cadre of Fudian Bank.
Zheng Chunhua, male, born in March 1976, holds a master's degree, is a native of Dali, Yunnan Province, and the former deputy director of the Non-performing Assets Collection Center of Fudian Bank.
After the trial, it was ascertained that between July 2009 and December 2019, Zheng Chunhua used his position as the risk director of the Fudian Bank in Kunming Lianfa Branch, the director of the credit approval committee of the branch, and the vice president and president of the Xishuangbanna Branch of the Fudian Bank to provide assistance to the bribers Tao, Xu1, Li3, Zhang, and Lin in obtaining loans for benefits, and successively accepted bribes totaling 11.5 million yuan from the above-mentioned persons.
Huang Jueshu Finance noticed that Zheng Chunhua's property received from Tao and Xu1 was of very high value.
(1) Accepting 5.5 million yuan in cash, a villa worth 1.48 million yuan and 20,000 yuan in cash from Tao.
From July 2009 to March 2015, Zheng Chunhua took advantage of his position as the risk director of the Fudian Bank in Kunming Lianfa Branch, the director of the credit approval committee of the sub-branch, and the vice president of the Xishuangbanna Branch of Fudian Bank to accept Tao's requestHelped a company in Luliang County, which had business dealings with Tao's Yunnan Yue Zhongxing Economic and Trade Company, to obtain a loan of 200 million yuan from the Kunming Road Branch of Fudian Bank; Helped a company in Luoping County to obtain 1$200 million loan; Helped a coal company in Qujing City to obtain 5$4.4 billion in loans. Expanded the ** business of Yunnan Yue Zhongxing Economic and Trade Company, and earned huge profits for Yunnan Yue Zhongxing Economic and Trade Company. In order to thank Zheng Chunhua, from February 2010 to 2014, Tao successively bribed Zheng Chunhua with 5.5 million yuan in cash, a villa worth 1.48 million yuan and a ** fee of 20,000 yuan in cash.
According to Zheng Chunhua's confession, in May 2009, Tao resigned and established Yunnan Yue Zhongxing Economic and Trade Company, changed his career to do mining economy and trade, and signed a cooperation agreement with a company in Luxi County and a company in Luoping County. Please ask me to help these two companies obtain loans from Fudian Bank to solve the financing difficulties of the two companies. In this way, Tao's Yunnan Yue Zhongxing Economic and Trade Company can gain further trust from these two enterprises, and can consolidate the relationship with these two cooperative enterprises, so that Yunnan Yue Zhongxing Economic and Trade Company can obtain tilt and preferential treatment in resource allocation, product pricing and settlement methods, and obtain more benefits in the first exchange.
According to Tao's confession, at the beginning of 2010, with the help of Zheng Chunhua, a company in Luliang County successfully obtained a loan of 200 million yuan from Fudian Bank, and a company in Luoping County obtained 1$200 million loan. A company in Luxi County and a company in Luliang County have purchased more than 10 million yuan of facilities and equipment from my company, and a company in Luoping County has also purchased more than 6 million yuan of goods from my company, so that my company has obtained a lot of profits, and my company has more business contacts with the two companies.
(2) Accepting 3 million yuan in cash from Xu X 1.
From 2013 to 2014, Zheng Chunhua took advantage of his position as the vice president of the Xishuangbanna branch of Fudian Bank to accept Tao's request to help a coal company in Qujing City, which had business dealings with Tao's Yunnan Yue Zhongxing Economic and Trade Company, obtain 5The loan of 4.4 billion yuan helped a coal company in Qujing City solve the difficulty of working capital turnover.
According to Zheng Chunhua's confession, in June 2012, I was transferred to the Xishuangbanna branch of Fudian Bank as vice president. Tao asked me to help a coal chemical company in Qujing City, which has a cooperative relationship with his company, obtain a loan from the Xishuangbanna branch of Fudian Bank, so as to provide conditions for Tao's company to take the opportunity to take a stake in a coal chemical company in Qujing City to seek benefits. Because a coal chemical company in Qujing City had a loan business in the Kunming Zhongshan Branch of Fudian Bank at that time, according to the principle of not granting multiple credits, it could only use a coal company in Qujing City, the largest upstream coal washing company in Qujing City, as the main borrower. I used the influence of my position to lobby leaders and colleagues to get a coal company in Qujing City to be recognized by the president of the Xishuangbanna branch of Fudian Bank and other colleagues. In the process of submitting the loan to the head office for approval, I actively went to the head office of Fudian Bank to lobby for the loan business to be approved. With my help, a coal company in Qujing City successfully obtained a loan of 100 million yuan from the Xishuangbanna branch of Fudian Bank.
According to Tao's confession, Xu Mou1, the actual controller of a coal company in Qujing City, went to Xishuangbanna with me to find Zheng Chunhua to communicate with him. At the end of 2012, a coal company in Qujing City received a one-year loan of 100 million yuan from the Xishuangbanna Branch of Fudian Bank. One day before the Spring Festival in 2013, I invited Zheng Chunhua to my home, and I gave him 1 million yuan in cash in a dark green suitcase. Because Xu Mou1 was very dissatisfied with the small loan amount and short repayment time, I asked Zheng Chunhua if he could initiate another loan with a large amount and a long repayment time, and Zheng Chunhua said that before the loan was about to expire, let me cooperate with a coal company in Qujing City to initiate another loan that covered the previous one. When the loan of 100 million yuan was about to expire, I cooperated with a coal company in Qujing City to initiate a financing loan of 300 million yuan to the Xishuangbanna branch of Fudian Bank in accordance with the first-chain financing plan personally designed by Zheng Chunhua, and the loan was approved in 2013. Later, because my shareholding in a coal chemical company in Qujing City was not negotiated, Xu Mou1 transferred 8 million yuan to me several times through my personal account as my company's development funds. One day before the Spring Festival in 2014, in order to thank Zheng Chunhua for helping my company obtain business volume and development funds, and promote the development of my company, I used a black suitcase and a cardboard box to pack 3 million yuan in cash and sent it to him in Kunming Baida International Garden Community, where Zheng Chunhua lived.
According to Xu1's confession, I am the actual controller of a coal company in Qujing City, and I cannot apply for a new loan in Fudian Bank because the loan of 100 million yuan from a coal company in Qujing City to the Xishuangbanna Branch of Fudian Bank in early 2013 has not expired, and the principal has not been repaid. Zheng Chunhua recommended to me the first chain financing loan plan, requiring a coal company in Qujing City to be the core enterprise and provide a bill acceptance guarantee, and asked a downstream enterprise of a coal company in Qujing City, a coal chemical company in Qujing City, to provide joint and several guarantees for 10 upstream small enterprises to improve the probability of loan approval. At the end of 2013, under the care of Zheng Chunhua, 10 small enterprises provided by a coal company in Qujing City were successfully approved from the Xishuangbanna Branch of Fudian Bank with a first-chain loan of more than 400 million yuan, and the loan funds that can be used after deducting the margin are 300 million yuan, which solves the turnover difficulties of working capital for a coal company in Qujing City.
According to the confession of Li Mou1, I have been working in the Banna branch of Fudian Bank since April 2010 as an account manager. When the loan of 100 million yuan of a coal company in Qujing City has not yet been repaid, Zheng Chunhua tailored and designed a first-chain financing loan model for a coal company in Qujing City and actively negotiated with the head office. In April 2015, a coal company in Qujing City returned 5$4.4 billion loan principal and interest.
Zheng ChunhuaIn addition to accepting property from Tao and Xu1, he also accepted 500,000 yuan in cash from Li Mou3, the general manager of Jinghong Haoyu Real Estate Development Company, 200,000 yuan in cash from Zhang, the legal representative of a biotechnology company in Xishuangbanna, and 800,000 yuan in cash from Lin, the legal representative of Jinghong Hongxi Real Estate Development and Management Company.
In addition, during his tenure as vice president and president of the Xishuangbanna branch of Fudian Bank, Zheng Chunhua also illegally issued loans, resulting in a loss of 16.9 million yuan in the loan principal of the Xishuangbanna branch of Fudian Bank.
Huang Jueshu Finance noticed that Zheng Chunhua's wife Zhao claimed that she did not know that Zheng Chunhua had received property.
Speaking as a witness, Zhao said that Zheng Chunhua is my husband, and he and I use our own money in family life, and Zheng Chunhua is mainly responsible for the purchase of real estate. In the disposal of real estate, he does not use the disposal money for my own use, and usually does not give me money. I don't know if Zheng Chunhua accepted money from others.
In February 2023, according to the Discipline Inspection and Supervision Group of the Yunnan Provincial Commission for Discipline Inspection and Supervision in Fudian Bank and the Chuxiong Prefecture Supervision Commission, Zheng Chunhua voluntarily surrendered.
On August 7, 2023, by the decision of the Wuding County People's Procuratorate, Zheng Chunhua was criminally detained by the Wuding County Public Security Bureau.
On August 16, 2023, Zheng Chunhua was arrested.
Zheng Chunhua**, the criminal verdict of the first instance of illegal issuance of loans" disclosed that after arriving at the case, Zheng Chunhua truthfully confessed the facts of the crime, which was a voluntary surrender, voluntarily pleaded guilty during the trial, and handed over 9.16 million yuan of stolen money involved in the case; During the investigation, Zheng Chunhua took the initiative to report to the organization clues on important issues of provincial management cadres, and some of them were verified to be true, which was meritorious service and could be commuted.
On November 27, 2023, the People's Court of Wuding County, Yunnan Province made a first-instance judgment: Zheng Chunhua committed the crime of ** and was sentenced to six years in prison and fined 900,000 yuan; He was sentenced to two years imprisonment and a fine of 100,000 yuan for the crime of illegally issuing loans, and was sentenced to seven years imprisonment and fined 1 million yuan for several crimes. The 9.16 million yuan of stolen money that has been returned will be confiscated in accordance with the law, and the seizure organ will hand it over to the state treasury, and the remaining 2.34 million yuan involved in the case will continue to be recovered and handed over to the state treasury.