Jiangxi people not to borrow from the Bank is being blacklisted by collection (PIC) | | Bank blacklist _ news
Credit Union changed to Yichun after rural commercial bank concerned. South reporter winter interns Rao Li Li photo

Last year the South, working in Shenzhen Yan Shufeng intends to loan to buy a car, only to find himself and his wife were in the Bank's credit "blacklist", owed creditor banks as Jiangxi Yichun "yuanzhou district rural credit cooperatives Union." In fact, they never loan or loan guarantees for others.

South reporter found that Jiangxi Yichun Liao Yan Shufeng of home Township, similar not solitary cases that some people do not borrow money but the banks collection letters. Parent account, Yichun city rural commercial bank official said the Bank, which is caused by small agricultural credit trouble, possibly due to part-time wardens and fraudulent loans.

　Not to borrow from the Bank but are collection letters

Working in domestic service in Shenzhen, Yichun city, Jiangxi province, Xiang, Liao Yan Shufeng couple hanling village, in November last year, because of work, they want a loan to buy a car, they found that they were included in the lists of Bank bad credit records.

Under the "Credit Center" on Yan Shufeng, a personal credit report showed that on May 18, 2007, secured a loan of 30,000 yuan, lending institutions for "yuanzhou district rural credit cooperative unions" guarantors for Yi Jianping, secured loan due on May 17, 2009, repayment date is October 31, 2015.

Yan Shufeng wife Xiao Yu's "personal credit report" showed that on May 1, 2007, to the "yuanzhou district rural credit cooperative Union" loan of 30,000 yuan (farmers), as of September 30, 2015 do not settle, the interest is more than 3,700 Yuan.

"I have never been to any secured loan, do not know who is Yi Jianping. "Yan Shufeng deeply suspicious about it," a few years ago when my father said that Bank has come to him, saying I had secured loans overdue, I didn't care, didn't expect to really stuck for a loan. ”

Yan Shufeng Yu to NaN's wife and children were reporters, never to "yuanzhou District Rural Credit Union" credit, "do not know how this loan out? ”

According to the Southern Metropolis reporter, Yan Shufeng, Yichun city, home, Xiang, Liao hanling village is like a couple odd "blacklisted" is not alone.

Xiao Yang's mother told the Southern Metropolis reporter, 2007, yuanzhou District Rural Credit Union 3 staff members went to her home, said his son Xiao yang owed the Bank of 20,000 yuan. "My son was less than 20 years old, still in school, and not owe the Bank money. "Xiao Yang's mother recalled," I said it wrong, they say that even if, let me say this in out, later never found us. ”

69 year old villager Yan Rende confirmed to the South, many people in the village have no loan or guarantee to the Bank for a loan, but go to collection letters "such things quite a lot."

Insiders, which recruited villages after the Bank "loan officers" related "in order to complete the task, or take Commission, the procedures will exist on the phenomena of violation. ”

Bank concerned Liao Shi Xiang Branch staff also admitted that they have long been aware of the situation, "there was a staff mix together with the client, using some of the money, has been fired after it was discovered, also posted his name on the loan. ”

Banks are small agricultural credit hangover

Involved "yuanzhou district rural credit cooperative" changed its name to Yichun after the reform of rural commercial bank Co Ltd (hereinafter referred to as Yichun rural commercial bank). Yan Shufeng told the Southern Metropolis reporter, on April 7, he commissioned officers communicate with Nin rural commercial bank was informed that the original "yuanzhou district rural credit cooperative" invited a lot of wardens for micro-loans, some even accounting part-time in the village, "fake loans situation possible, police have caught a lot of people in, present similar problems have stopped. ”

On July 4, the southern Yichun rural commercial bank contacted asked about this matter, Yichun rural Commercial Bank Vice President Lei Yinru, responded last November, after they received reflect the verified, this is caused by small agricultural loans drawn can loan policy with ID card, "it does exist, and has fired workers, Public Security Bureau has also been involved in the investigation. ”

Lei Yinru introduced, similar to the small agricultural loans, is a preferential policies launched in 2005, but then there is the "three", meaning using the name, pseudonym, pseudonymous. Not many places are 80% per cent of the loans recalled, so there are resulting in "poor record", "Yan Shufeng Liao town where lending has been 5 years since I because can't look recalled. ”

Lawyers advise the victim compensation

South are reporter understand to, levy letter industry Management Ordinance provides, information subject think levy letter institutions collection, and save, and provides of information exists errors, and missed of, right to to levy letter institutions or information provides who proposed objections, requirements corrections; levy letter institutions or information provides who received objections, should according to State levy letter industry supervision management sector of provides, on related information made exists objections of mark, since received objections of day up 20th within for verification and processing, and will results written replies objections people.

Xin Chi, lawyer, law firm senior partner of Ningxia Peng said the message body if there is a credit institution or the information providers and information users violation of their legitimate rights and interests, to the local credit industry regulatory Department under the State Agency complaints. Institutions should conduct verification and processing of complaints, from the date of acceptance of the written reply to the complainant in the 30th, "the subject of information that credit institutions or providers of information, users of information against the legitimate rights and interests, but also to the people's Court. ”

"When credit rights are violated when, against people without due cause or of failing to stop the infringing act, victims rights through legal means. "Peng said the victims also may require the institutions concerned to stop abuse, rehabilitation, removal, apology, others may propose compensation for mental damage.

Interview: the South reporter winter interns Rao Li Li

Responsible editor: Xiang Changming SN123

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江西多人未向银行借钱被催款 遭列入黑名单(图)|银行|黑名单_新闻资讯
涉事信用合作社后改制为宜春农商银行。南都记者 饶丽冬 实习生 李刚 摄

　　南都讯 去年，在深圳工作的晏树风打算贷款买辆车，才发现自己和妻子都被列入银行征信“黑名单”，欠款债权银行为江西宜春的“袁州区农村信用合作社联合社”。实际上，他们从未贷款或为别人担保贷款。

　　南都记者调查发现，晏树风老家所在的江西宜春辽市乡，类似情况并非孤例，有人没有借钱却被银行催款。该银行上级单位宜春市农商银行负责人表示，这是小额农贷引发的后患，可能系兼职协管员冒名贷款所致。

　　未向银行借钱却被催款

　　在深圳从事家政服务工作的晏树风夫妇是江西宜春市辽市乡寒岭村人，去年11月，因工作需要他们想贷款买辆车，却意外发现两人都被列入银行征信不良记录名单。

　　根据“征信中心”关于晏树风的一份个人信用报告显示，其在2007年5月18日担保贷款3万元，放款机构为“袁州区农村信用合作社联合社”，担保人为易建平，担保贷款到期时间为2009年5月17日，应还款日为2015年10月31日。

　　关于晏树风妻子小玉的“个人信用报告”则显示，2007年5月1日，其向“袁州区农村信用合作社联合社”贷款3万元（农户贷款），截至2015年9月30日未还款，利息为3700余元。

　　“我从来没为任何人担保贷款，也不认识易建平是谁。”晏树风对此事深感蹊跷，“前几年听父亲说过，有银行的人来找他，说我担保贷款逾期了，我没在意，没想到自己贷款真被卡了。”

　　晏树风之妻小玉也向南都记者表示，从来没向“袁州区农村信用合作社联合社”贷过款，“不知道这个贷款是怎么出来的？”

　　据南都记者了解，在晏树风老家宜春市辽市乡寒岭村，像他们夫妻一样被蹊跷列入“黑名单”的并非孤例。

　　小 杨的母亲告诉南都记者，2007年，袁州区农村信用合作社3名工作人员前往她家，表示其儿子小杨欠了银行2万元。“我儿子那时还不到20岁，还在上学呢， 不可能欠银行的钱。”小杨的母亲回忆说，“我当时就说弄错了，他们说那就算了，让我不要在外面说，后来就没再找过我们。”

　　今年69岁的村民晏仁德向南都记者证实，村里很多人都没有向这家银行贷款或担保贷款，却被银行找来催款“这样的事情还挺多”。

　　有知情者透露，这与此前该银行在各村招聘的“信贷员”有关，“他们为了完成任务，或者拿好处费，手续上就会存在违规的现象。”

　　涉事银行辽市乡分理处工作人员也坦言，他们早就发现了这样的情况，“当时有个工作人员跟客户混在一起，使用了一些钱，发现后已经被辞退，也张榜公布了其名下贷款。”

　　银行称是小额农贷后遗症

　　涉 事的“袁州区农村信用合作联社”改制后更名为宜春农村商业银行股份有限公司（下称宜春农商银行）。晏树风告诉南都记者，4月7日，他委托相关人员与宜春农 商银行沟通后得知，原来的“袁州区农村信用合作联社”请了很多协管员进行小额贷款，有些甚至是村里会计兼职的，“冒名贷款的情况可能有，公安局已抓了很多 人进去，目前类似的问题已停止。”

　　7月4日，南都记者联系宜春农商银行询问此事，宜春农商银行副行长雷银如回应称，去年11月，他们接到反映后进行了核查，这是小额农贷引发的后患，当时政策是凭身份证就可贷款，“这个情况确实存在，已开除了相关工作人员，公安局也已介入调查。”

　　雷银如介绍，类似的小额农贷，是2005年推出的一项惠农政策，但此后贷款出现了“三名”现象，即借名、假名、冒名。不少地方存在80%以上的贷款收不回来，因此导致有人出现“不良记录”情况，“晏树风所在的辽市镇已有5年没放贷了，因为放出去收不回来。”

　　律师建议受害人可提赔偿

　　南 都记者了解到，《征信业管理条例》规定，信息主体认为征信机构采集、保存、提供的信息存在错误、遗漏的，有权向征信机构或者信息提供者提出异议，要求更 正；征信机构或者信息提供者收到异议，应当按照国务院征信业监督管理部门的规定，对相关信息作出存在异议的标注，自收到异议之日起20日内进行核查和处 理，并将结果书面答复异议人。

　　宁夏鑫池律师事务所高级合伙人、律师张鹏表示，信息主体若认为征信机构或者信息提供者、信息使用者侵 害其合法权益的，可向所在地的国务院征信业监督管理部门派出机构投诉。受理投诉的机构应当及时进行核查和处理，自受理之日起30日内书面答复投诉人，“信 息主体认为征信机构或者信息提供者、信息使用者侵害其合法权益的，也可向人民法院起诉。”

　　“当信用权益受到不法侵害时，侵害人无正当理由或怠于作出停止侵权行为时，受害人可通过法律途径维权。”张鹏表示，受害人还可要求涉事机构停止侵害、恢复名誉、消除影响、赔礼道歉等，另可提出精神损害赔偿。

　　采写：南都记者 饶丽冬 实习生 李刚

责任编辑：向昌明 SN123

文章关键词：
银行 黑名单

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