两家银行被骗超千万！男子“租牛骗贷”获刑13年

Core Insights - A recent criminal ruling from the Changchun Intermediate People's Court in Jilin Province has revealed details of a loan fraud case involving over 20 million yuan, characterized by a "rent cow - mortgage - re-rent cow" scheme [2][3] - The case highlights significant issues within financial institutions' risk control systems, including internal personnel allegedly accepting bribes to facilitate loan approvals [2][9] Summary by Sections Fraud Scheme Details - The perpetrator, Liu, designed a fraudulent scheme targeting agricultural loans by renting 297 cattle and using them as collateral to secure a 4 million yuan loan from a local bank, without proper verification of ownership [3][4] - Liu repeated this scheme, successfully obtaining additional loans of 500,000 yuan and 580,000 yuan from different banks, while misappropriating funds for personal debts and further fraudulent activities [4][5] Legal Proceedings and Sentencing - Liu was sentenced to 13 years in prison for loan fraud and aiding others in obtaining loans through false documentation, with significant financial penalties imposed [5][6] - Co-conspirators involved in the scheme received varying sentences, highlighting the collaborative nature of the fraud [5] Risk Control Failures - The case underscores critical vulnerabilities in the banks' risk management systems, including inadequate pre-loan investigations and a lack of monitoring for the use of loaned funds [7][8] - There is a noted absence of effective mechanisms for managing and verifying the ownership of biological assets used as collateral, which contributed to the fraud's success [9][10] Regulatory Implications - The incident raises concerns about the internal controls of financial institutions, particularly in light of increasing reliance on innovative financing methods such as live asset mortgages [9][10] - Regulatory bodies have emphasized the need for improved risk monitoring and management practices in agricultural finance to prevent similar frauds in the future [10]