Hunan Government personal loans of more than 10 years, involving 80 million Yuan | loans _ news

In recent years, China comes in many village residents because of overdue loans, personal credit, bank credit system on the "black list". Recently, the South reporter received a number of allegations of Hunan residents, encountered this problem.

South reporter found that, among the issues raised at these loans, some villagers are unknown in their own cases, some identity theft information for colluding with Bank staff loans; some villagers early village credit cooperative banking system upgrades, staff during a manual entry in the Office system, ID card information confused with others; some are grass-roots Township government staff use identity information of the Government loan.

In these cases, some have identified resolved, some are still pending.

　　A phenomenon

　　Banks confuse personally identifiable information

Villagers in Guiyang County of Chenzhou in Hunan province he ping Zhen Li Wu has been in great distress, he is now working for a leading pharmaceutical companies, in a staff to the company dealt with a bank credit card, his application has not been submitted to the card was approved.

Li Wu to the South reporter, visiting rules of the queries, he learned in 2004, that he was 16 that year, someone using his social security number in he ping Zhen, Guiyang 1000 Yuan loans in rural credit cooperatives, and has not returned, leading to his bank personal credit exception, failed loans can't process credit cards.

Know this matter, Li Wu he ping Zhen rural credit cooperatives to call right away, then back home to deal with the matter several times. He ping Zhen rural credit cooperatives could not give him an answer, he found the parent account, Guiyang County rural credit cooperative.

Li Wu to the South said that Guiyang County rural credit cooperative personnel and give him an answer, saying the same town there was another man called Li Wu, is that credit has two identity confusion, and promised to help him deal with personal credit issues in a timely manner. Meanwhile, gave his 3000 Yuan, Li Wu returned home from overseas travel expenses compensation many times.

Solve the problem of personal credit, but Li Wu still can't process credit cards.

Guiyang County, rural credit cooperatives credit and loan department head Chen Feiyan explained to South March 2016 after they received complaints from Li Wu, go to he ping Zhen investigation of rural credit cooperatives, learned is another 2004 town Li Wu 1000 Yuan loans grow flue-cured tobacco, because there are no good, I didn't have money to pay.

Chen Feiyan told the Southern Metropolis reporter, 2009 County rural credit management system network, staff manually enter loan information to the new system, system vulnerabilities, Li Wu ID number within the same town two confuse. "Turned out to be manually manage, especially with the village of the same name is more common in rural areas in 2009, when collecting information was mistaken, that this situation exists. ”

After receiving the complaint Li Wu, Guiyang County rural credit cooperative to verify in a timely manner, man Li Wu to return the original loan arrears, and Li Wu's two personal information reported to provincial cooperative, solve the problem of victim Li Wu's personal credit.

　　Phenomenon II

　　Businesses borrow villagers loans information

In xupu County, Hunan province, there were farmers ' identities were corporate loans, resulting in a wide range of farmers bank financial institution personal credit issues.

South reporter received a report expected to show deep town village of xupu County household registration, copy of ID card taken up later by the town government, villagers found Rainbow ecological residence booklet, identification information in Hunan industry development (Group) limited to a loan from the Bank, until 2016, leaving many villagers in personal banking and financial institutions with poor credit records.

During the interview, deep South town government office staff have confirmed the villagers ' ID information are rainbow trout, ecological companies about the loans. Xupu County party Committee propaganda Department official Lei Zhou explained to South over the phone, xupu County financial Office have responded, the farmer does not exist any liability, bad credit record are slowly eliminated.

Lei Zhou and to the South are the reporter reply says, "since 2011, some farmers in xupu County Bank kudzu plant loan, in November 2014, the Huaihua City intermediate people's Court ruling all reimbursed by the Rainbow company, farmers who planted kudzu does not assume the liability. Due to poor farmers planted kudzu loan records, banks are reporting eliminated. To bank loans to individual farmers, may be certified by the Bank, not under the influence of the bad record. ”

Xupu County Financial Director Jiang Nan journalist said, resulting in villagers ' personal credit problems are bank clerks ' illegal operation, has according to the provisions of the individuals involved.

Banks involved in Huaihua City Branch Manager Liu Rangjin just three months in Office, he told the Southern Metropolis reporter, this is the problem before he left, when he takes office, has dealt with it loan Attn, meanwhile, turned to the company name farmer's name on the loan, and reported to the head office, in Bank system of farmer credit record erased.

　　Three

　　To loans on behalf of cadres at township level to fill shortages

In Taoyuan County, Hunan province, had worked at the Niu Shan Township Government Office of Zhao (not his real name) told the South reporter, Niu Shan Township government staff member Governments have used information on loans, loans for Township government's day-to-day expenses.

Zhao to reporters about South April 2016 he will use housing accumulation funds to buy a House, Bank lending, and was told that personal credit problems query informed that his identity information is displayed in the 2008 and 2009 four loans, totaling 248,000 yuan. He was surprised, in Niu Shan Xiang suo, after inquiries, officers learned of the town government in 2008, 2009, 2010 the Government civil service personal loans involving more than 20 Niu Shan more than government workers. Among them, including key personnel in the Township.

Taoyuan County Director of the rural credit cooperatives for UBS confirmed to the South, Township Government had use of cadres at township level personal loan information. UBS said Taoyuan Township cadres over more than 450 personal information is used by lenders, all because of earlier handed in during the agricultural tax, Township charged tasks cannot be completed, with some cadres at township level identity information to the loans of rural credit cooperatives to fill shortages.

When asked about when it comes to loans, Wang Tao on the South reporter, this matter has been going on already for more than 10 years, more than 10 years loans involving a total capital of 80 million Yuan. He also said that bank personal credit blemish problems involving Township government staff, they have been reported to the provincial rural credit cooperative Union for a solution.

Cho was in 2006 abolishing the Niu Shan after the Government, in Zhao's view, it is not only dealing with agricultural issues. He also believes that the Government loan in the use of cadres at township level of personal information without consent is illegal.

　　View

　　Fraudulent loan can apply for compensation

According to the China Banking Regulatory Commission issued in 2012, the provisions of the administrative measures for the farmers ' loan, rural financial institutions should require the borrower to sign a loan contract and other related documents, should sign a security contract need of security. To take measures such as fingerprint identification, password, a borrower with a specified account authenticity to prevent fraudulent loans. Post-lending management of financial institutions in rural areas should focus on screening to prevent counterfeiting, take loans, including the establishment of independent accounting system, loan principal and interest are not focused inspection on a regular basis (smoke) system as well as at least two years of comprehensive cross-verification system.

Hunan Golden State law firm partner Xing Xin law have come into contact with personal information because of other loans and personal credit event occurs. His analysis of Southern Metropolis reporter, fraudulent loans are small loans that currently exist, victims of fraudulent loans are usually low-income rural farmers because, villagers ' awareness of privacy protection is weak, poor ability to obtain financial information, easy to abuse.

Xing Xin lawyers, banking institutions in lax lending irregularities in the review or audit, weak implementation of customer identification system, is the citizens ' personal identifiable information is an important factor fraudulent use or theft. Therefore, the system of banking institutions to strictly implement, avoiding financial rights and interests infringed.

In his view, the financial unit in the critical examination of the obligations in the loan origination process, lax auditing shall bear the corresponding legal responsibility. If the victim is an imposter loan bank credit system into "black list", resulting in losses such as loans and credit cards do not come down, you can claim damages.

Personally identifiable information is used, according to Xing Xin lawyers, through the following ways to guard against risks, protect their legal rights. First, gather evidence, such as request obtain the relevant information from financial institutions. Secondly, reported the case to the relevant Department. Once the personal information is used and other, available to the Chinese public security departments, administration, and related agencies for complaints. Again, the lawyer's rights. Use legal weapons to safeguard their rights and interests through legal means to request the infringer to apologize, elimination, rehabilitation, compensation for losses, and so on.

Responsible editor: Kang Yunkai

Article keywords:
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湖南一乡政府用个人信息贷款十余年，涉8000万元|贷款_新闻资讯

　　近年来，中国全国多地出现村镇居民因贷款逾期，造成个人信用问题，在银行信用系统上了“黑名单”。近日，南都记者接到多位湖南居民的报料，称遭遇到了这一问题。

　　南都记者采访发现，在这些贷款引发的问题中，有些村民是在自己未知的情况下，被一些人伙同银行工作人员盗用身份信息用于贷款；有些村民是早年村镇信用社银行系统联网升级时，在工作人员手动录入办公系统期间，身份证信息与他人混淆；有些则是基层政府使用乡镇政府工作人员身份信息贷款。

　　在这些案例中，有些已经查明解决，有些则一直悬而未决。

　　现象一

　　银行混淆个人身份信息

　　湖南郴州桂阳县和平镇的村民李武近来一直非常苦恼，他现在一家知名药企工作，在一次某银行工作人员到公司集中办理信用卡时，他提交办理信用卡的申请一直没有通过审核。

　　李武对南都记者说，经前往中国人民银行查询，他才得知在2004年，也就是他16岁那年，有人用他的身份证号在桂阳县和平镇农村信用社贷款1000元，并且一直没有归还，才导致他银行个人信用出现异常，无法正常贷款，无法办理信用卡。

　　得知此事后，李武马上向和平镇农村信用社打电话询问，后来还多次回老家处理此事。和平镇农村信用社不能给他答复，他找到了其上级单位桂阳县农村信用合作联社。

　　李武对南都记者说，桂阳县农村信用合作联社人员给他答复，称同一乡镇还有另一人也叫李武，是信用社把两人身份信息混淆了，并答应帮他及时处理个人信用问题。同时，给了他3000元钱，作为对李武多次从外地返回老家的交通费用补偿。

　　虽然解决了个人信用问题，但李武依然不能办理信用卡。

　　桂阳县农村信用合作联社计划信贷部负责人陈飞燕对南都记者解释，2016年3月他们在接到李武的投诉后，马上到和平镇农村信用社调查，了解到是2004年该镇另一个李武贷款1000元种植烤烟，因没有种好，就一直没钱还款。

　　陈飞燕告诉南都记者，2009年全县农村信用社信贷管理系统升级联网，在工作人员往新系统手动输入贷款人信息时，因系统漏洞，把同一乡镇内两个李武的身份证号弄混淆了。“原来是手动管理，农村特别是同村同名的现象比较普遍，在2009年采集信息的时候弄错了，这种情况还是存在的。”

　　接到李武投诉后，桂阳县农村信用合作联社及时核查，让原贷款人李武归还了欠款，并把两个李武的个人信息打报告给省级合作联社，解决了受害人李武的个人信用问题。

　　现象二

　　企业借用村民信息贷款

　　在湖南怀化市溆浦县，曾出现农民身份信息被公司企业用于贷款，造成大范围的农民在银行金融机构产生个人信用问题。

　　南都记者接到的报料显示，溆浦县深子湖镇村民户口本、身份证复印件被镇政府收上去后，村民发现户口本、身份证信息被湖南虹瑞生态产业开发（集团）有限公司用来向银行贷款，直到2016年，造成许多村民在银行金融机构产生了个人信用不良记录。

　　在采访过程中，深子湖镇政府办公室工作人员向南都记者证实了村民身份证信息被虹瑞生态公司用于贷款一事。溆浦县委宣传部相关负责人周磊在电话中对南都记者解释，溆浦县财税金融办已对此事作出回复，农民不存在任何还款责任，不良信用记录也在慢慢消除。

　　周磊同时给南都记者邮件回复称，“2011年以来，部分农户在溆浦县某银行借的葛根种植贷款，已于2014年11月经怀化市中级人民法院判决全部由虹瑞公司偿还，种植葛根的农户不承担还款责任。因种植葛根贷款农户的不良记录，银行正在上报消除。农户如需向银行贷款，可由银行出具证明，不受该不良记录影响。”

　　溆浦县财税金融办姜主任对南都记者称，造成村民个人信用问题的原因是银行工作人员违规操作，已经按规定处理了涉案人员。

　　涉事银行怀化市支行行长刘让金刚上任三个月，他告诉南都记者，这是其上任之前留下的问题，在他上任后，已对贷款经办人做出严肃处理，同时，把农户名下贷款转到了公司名下，并上报总行，把农户在银行系统里的个人信用不良记录消掉。

　　现象三

　　以乡镇干部名义贷款填缺

　　在湖南桃源县，曾在牯牛山乡政府办公室工作过的赵某（化名）告知南都记者，牯牛山乡政府曾使用乡镇政府工作人员身份信息贷款，贷款主要用于乡镇政府日常经费开支。

　　赵某向南都记者讲述，2016年4月他要用住房公积金买房，在银行办理贷款业务时，被告知个人征信存在问题，查询得知，他的身份信息显示曾在2008年、2009年发生过四次贷款，共计24.8万元。他对此非常诧异，在向牯牛山乡财政所人员问询后，才得知该镇政府曾在2008年、2009年、2010年利用该乡政府公务员个人信息贷款，涉及20多名牯牛山乡政府工作人员。其中，也包括该乡财政所主要人员。

　　桃源县农村信用合作联社主任汪涛向南都记者证实，乡镇政府确曾用乡镇干部个人信息贷款。汪涛称，桃源共有450多名乡镇干部个人信息被用于贷款，都是因为早年上交农业税期间，各乡镇不能按时完成收取任务，就用一些乡镇干部身份信息向农村信用社贷款填缺。

　　当问及涉及贷款金额时，汪涛对南都记者透露，此事由来已久，已经有十多年时间，十几年来贷款共涉及资金达8000万元。他还说，对于涉及乡镇政府工作人员的银行个人信用污点问题，他们一直在向省级农村信用合作联社打报告请求解决。

　　而赵某是在2006年取消农业税之后才来牯牛山乡政府工作的，在赵某看来，这不单单是涉及农业税问题。他还认为，乡镇政府未经同意使用乡镇干部个人信息用于贷款是违规违法的。

　　说法

　　被冒名贷款可申请赔偿

　　根据中国银监会2012年印发的《农户贷款管理办法》规定，农村金融机构应当要求借款人当面签订借款合同及其他相关文件，需担保的应当当面签订担保合同。要采取指纹识别、密码等措施，确认借款人与指定账户真实性，防范顶冒名贷款问题。农村金融机构贷后管理中应当着重排查防范假冒名、借名贷款，包括建立贷款本息独立对账制度、不定期重点检（抽）查制度以及至少两年一次的全面交叉核查制度。

　　湖南金州律师事务所合伙人邢鑫律师曾接触过农民个人信息因他人贷款而出现个人信用问题的事件。他对南都记者分析，目前存在的冒名贷款基本是小额贷款，冒名贷款的受害人一般都是收入不高的村镇农民，原因在于，村民隐私保护意识比较薄弱，获取金融信息的能力差，容易被钻空子。

　　在邢鑫律师看来，银行业金融机构在贷款审查时违规操作或审核不严，客户身份识别制度执行不力，是造成公民个人身份信息被冒用或盗用的重要因素。因此，各银行业金融机构要严格制度执行，避免对金融消费者合法权益的侵害。

　　他认为，金融单位在贷款发放的过程中有严格审核的义务，审核不严应承担相应的法律责任。若受害人因被冒名贷款被银行征信系统纳入“黑名单”，造成不能贷款、信用卡办不下来等损失，可以要求损害赔偿。

　　而在个人身份信息被冒用后，邢鑫律师称，可以通过以下途径防范风险的发生、维护自己的合法权益。首先，收集证据线索，比如向金融机构要求调取相关资料。其次，向相关部门报案。个人信息一旦被冒用贷款或其他情况，可向中国公安部门、行业管理部门和相关机构进行投诉举报。再次，委托律师维权。利用法律的武器维护自己的权益，通过法律手段要求侵权人赔礼道歉、消除影响、恢复名誉、赔偿损失等。

责任编辑：康云凯

文章关键词：
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