The bank loan was cheated. Why are banks afraid to report it?

legal knowledge

Why didn't the bank report the case?

Article source: Internet Author: admin

Now there are more and more lawsuits filed by banks, which shows that the legal awareness of banks has indeed improved. However, most bank lawsuits are economic disputes. Criminal cases such as loan fraud, credit card fraud, corruption and misappropriation of internal staff need to be reported to the public security or procuratorial organs, which shows that there are not many cases prosecuted by procuratorial organs on behalf of the state, and not many cases are reported. This is an open secret. Banks hold a lot of property belonging to the state and the people. They not only have the right to issue loans to citizens and legal persons, but also have the obligation to strengthen supervision and prevent risks. Once the loan is found to be cheated, it is the only choice for the bank to report it to the law enforcement department immediately, so as to investigate and deal with criminals and recover and reduce economic losses. There are four reasons for not reporting the case.

First, I don't know if there is a case. Some people are too bureaucratic, don't abide by rules and regulations, and can't find problems without constraints. For example, the accountant of a bank in Renqiu City, Hebei Province, misappropriated funds of more than RMB 10 million in several years. Only when the computer has to change its program and it can't match the account is there a problem. By the time the report was made, the person had already run away.

Second, I dare not report it. The vast majority of law enforcement teams in China are good, but there are also many bad ones. For example, a few years ago, after a bank reported a forged draft of 50,000 yuan, the law enforcement department took nearly 654.38 million yuan to solve the case, but the case is still pending. If there is another case, the bank will calculate the economic account, and if it feels hopeless, it will not be reported.

Third, you can't report. After this case, it is likely to be implicated in the selfish interests and corruption of a "handful" of small groups of banks involved.

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