“租牛-抵押-再租牛”骗贷2000万元，吉林银行风控迷局何解？

Core Insights - A significant loan fraud case exceeding 20 million yuan has been revealed, highlighting systemic failures in the risk control systems of local financial institutions [1][2][4] Group 1: Fraud Case Details - The fraud involved a scheme of "renting cattle - mortgaging - re-renting," where the perpetrator, Liu, used fake contracts and borrowed names to secure loans from banks [1][2] - Liu successfully obtained over 14.8 million yuan in loans from two banks, exploiting the lack of verification of collateral ownership by the banks [2][3] - The fraud was facilitated by internal bank personnel accepting "kickbacks" to approve loans, indicating a severe moral hazard within the bank's risk control framework [3][4] Group 2: Bank's Regulatory Issues - Since 2024, Jilin Bank has received 31 fines totaling 5.4 million yuan, revealing persistent issues in pre-loan investigations and post-loan management [6][7] - The bank's internal control deficiencies are systemic, with repeated violations leading to a lack of effective remediation [6][7] - High turnover in management due to regulatory penalties suggests deeper issues in governance and accountability within the bank [7] Group 3: Financial Performance and Risks - Jilin Bank's total assets exceeded 817 billion yuan, with a 9.55% increase year-to-date, but the bank faces challenges with asset quality and profitability [9][10] - The non-performing loan ratio rose to 1.57%, continuing a three-year upward trend, indicating increasing credit risk [9][10] - Despite a revenue increase of 9.48% to 8.844 billion yuan, net profit growth has slowed significantly, primarily due to rising credit impairment losses [10][11] Group 4: Related Party Transactions - The bank's loans to related parties reached 12.899 billion yuan, with significant exposure to a group that has incurred substantial losses, raising concerns about liquidity risks [11]