The "car financing" scam crazy to collect 356 million wealth, the prosecutor really held the person holder after the curtain ｜ 9:30 tonight

The name of the "car financing" platform

Selling car wealth management products to investors

Illegal absorption of funds of more than 356 million yuan

Cause investors to lose more than 60 million yuan

Prosecutors through layers of cocoon surveys

The offensive and defensive alliance of 3 criminal suspects was disintegrated

Native

Trial site

The exquisite brochure, exciting lectures, investment returns are 10%to 12%, and the principles are kept. Such high -profile publicity and such high returns have really attracted many people, especially for the elderly. However, the seemingly fiery "investment" is facing the risk of no return at any time.

In 2014, Xu Mou and other four people under the name of operating the "car financing" platform to sell car pledge borrowing business and sold car financial products to investors by carried out vehicle pledge borrowing business. It has illegally absorbed more than 356 million yuan in funds, causing investors to lose more than 60 million yuan.

Recently, a public prosecution was filed by the Procuratorate of the Xicheng District of Beijing. The court sentenced 4 to four people and other prison for illegally absorbing public deposits, each with a fine of 200,000 yuan.

Gang

Crazy Crazy Calm 356 million yuan

Xu, who worked in a municipal government department, met Cheng, who was working at a securities company during his work, and discussed business together. At the same time, Cheng invited Tang, a master's degree in law, and Liu, a master's degree in law. Because Cheng's serving at the securities company, Wan Mou's shares were held.

After the establishment of the investment company, four people inspected the operation of a number of P2P platforms, and finally decided to do vehicle pledge borrowing business. Liu was responsible for the development of the "car financing" platform. On July 25, 2014, 4 people established the Cheong World Company. As a subsidiary of an investment company, they specialized in operating the "car financing" platform and carried out vehicle pledge borrowing business.

During the specific business development process, the four were clearly divided into work. Xu served as the general manager of the company and was responsible for comprehensive work. Tang was responsible for risk control, that is, the verification and contract production of offline pledged vehicles. Liu was responsible for platform operation and maintenance. Cheng is responsible for looking for investment customers and offline borrowing agencies.

It is understood that most of these offline borrowing institutions are some pawn banks or small loan companies. Due to the non -financing qualifications, when funds are required, they will allow their customers to provide vehicle information to pledge the vehicle to the "vehicle financing" platform, and then the "car car financing" platform will be "car financing" platform, and then "car financing" platform, and then "car car financing" platform, then "car car financing" platform, and then "car car financing" platform, and then "car car financing" platform, then "car car financing" platform, and then "car car financing" platform, and then "car car financing" platform, then "car car financing" platform, and then "car car financing" platform, and then "car car financing" platform, then "car car financing" platform, and then "car car financing" platform, and then "car car financing" platform, then "car car financing" platform, and then "car car financing" platform. The financing "platform financing and lending funds to these institutions. These borrowing institutions use these funds to carry out loans or pawn business, and return the principal and interest to Che Rongtianxia Company after expiration. After the car pledge procedures for the vehicle of the Che Rongtianxia Company, the vehicle values ​​the vehicle, and then divides the pledged vehicle and other wealth management products to the "car financing" platform for investors to choose from according to the valuation.

Investors need to register members on the "car financing" platform, then bind third -party payment, recharge the platform, and choose the corresponding product to invest after recharge. However, in fact, the funds that investors recharge the platform were transferred to Xu's personal account, and then Xu lent these funds to offline institutions or repay.

In order to attract more users to invest, Cheong Tianxia Company promoted wealth management products to the public through online websites and "car financing" platforms to organize employees offline, and hold customer meetings. By 12%, the principal and interest rates were guaranteed by vehicle pledge guarantees, borrowing agencies, and corporate cashier guarantees, and thousands of people have deceived thousands of people to participate in the investment, most of which are the elderly.

However, the good times did not last. Because of the lack of risk control of the company, Cheong World Company had a large number of false pledge, and the offline institutions could not pay back to the principal and interest, which caused the capital chain to break and could not return investors' investment funds.

Cocoon

Really holding the people behind the scenes

On February 21, 2021, the Xicheng Branch of the Beijing Public Security Bureau shall be requested to the procuratorial organs for review and arrest on the crime of illegal absorption of public deposits. The illegal absorption of public deposits by the public security organs was more than 40 million yuan, causing investors to lose more than 30 million yuan.

After review, on February 28, 2021, Xicheng District Procuratorate approved the arrest of three people and other three people. Although the main criminal facts of illegal absorption of public deposits have been identified, some criminal facts still have questions. What is the amount involved in the case? Is Wanmou a real holder? With these questions, the prosecutor handling the case conducted an in -depth investigation.

"We handle the electronic data stored by the 'car financing' platform in Alibaba Cloud to the appraisal agency to extract electronic contracts, recharge bills, investment projects, withdrawal data, etc., and entrust accounting firms to review the above data." The official assistant Li Yinghui said that according to the audit situation, they repeatedly reported that Xu and others, and finally removed the users who did not actively recharge and unregistered names from more than 7,000 registered users, determined that the number of investors was 2133, illegally absorbing public deposits The amount reached more than 356 million yuan, causing investors to lose more than 60 million yuan.

"By retripping the brochure of Che Rongtianxia Company, the introduction of Cheng's introduction and participating investors' meeting and the promotion meeting, the company's annual meeting, etc., confirmed that Cheng was not only a major shareholder, but also actively participated in the company's wealth management products. Propaganda. "Li Ying would tell reporters.

After a lot of questions, the three suspects in the case finally truthfully confessing the criminal acts of Cheng Mou's participation in decision -making, determining the operation model, introducing investment customers, and finding offline cooperation agencies. The prosecutor handling the case also verified the fact that Cheng Mou introduced the "car financing" platform through offline cooperation agencies.

Just as the real investor was about to surface, Cheng argued that he had changed its equity and exited the company. After verification, the prosecutor handling the case found that Cheng did not withdraw from the company in the later period. Instead, he changed the actor Wan Mou to Wang. Wang did not know the facts of Cheng Mou and others.

Through layers of cocoon -type investigations, the offensive and defensive alliance of three suspects was completely disintegrated, and the real shareholder Cheng Mou surfaced behind the scene. On January 20 this year, Xicheng District Procuratorate sued Cheng Mou.

Chase

Restore the loss of 46 million yuan for investors

Although the facts of the case have been found, how should investors' losses be recovered? In addition to deterring crimes, pursuing and losing damage has become the top priority to handling cases in the later period. Li Yinghui said that after the early review, all three criminal suspects pleaded guilty and had a total of 8.7 million yuan, but the amount of refund compensation was far from the actual loss of investors.

In order to give investors to the greatest extent, the procuratorial organs continued to collect the family economic strength information of Xu and others without performing the stolen money and stolen goods. After comprehensive assessment, their family members had a certain ability to refund their claims.

To this end, the prosecutor handling the case communicated with the defense lawyer and explained to the family members of the suspect.

"Through communication with the lawyer, we learned that the family members of Xu and the three people have also actively contacted Cheng Mou to refund the compensation, but Cheng has been delayed and thinks that he has no responsibility." Li Ying will tell reporters.

After further investigation, the procuratorial organs learned that Cheng's family had strong economic strength, and they combined with the lawyer to persuade their family members to refund the compensation.

In the end, four criminal suspects and their families refunded nearly 46 million yuan. Nearly 80%of investors' investment losses were recovered smoothly. Xu and others continued to recover foreign debt to repay the remaining arrears.

"I really thank you so much, I thought the money could not come back. I quickly told others about the good news ..." When the prosecutor returned the case, he was grateful to the investor. (Procuratorate Dai Jia Zhao Xiaoming)

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