透视“租牛骗贷”迷局：顶名贷款、虚假合同、内部人员收钱为审批“开绿灯”

Core Viewpoint - The case of Liu Mouquan reveals significant flaws in the banking risk control system, particularly in the area of loan approval and collateral verification, leading to substantial financial losses for the banks involved [6][7]. Group 1: Loan Fraud Details - Liu Mouquan, who did not meet the bank's loan conditions, fraudulently obtained over 10 million yuan in loans by using rented cattle as collateral and falsifying documents [1][2]. - He secured loans of 400 million yuan and 500 million yuan from two banks, misusing the funds primarily to pay off personal debts and rent cattle [2][3]. - Liu Mouquan also assisted friends in obtaining loans through similar fraudulent means, resulting in significant losses for the banks [4][5]. Group 2: Legal Consequences - The court found Liu Mouquan guilty of loan fraud and obtaining loans through deception, sentencing him to a total of 13 years in prison and imposing fines totaling 300,000 yuan [5]. - He is required to repay approximately 827.75 million yuan to one bank and about 489.94 million yuan to another bank as part of the restitution [5]. Group 3: Banking Risk Control Failures - The case highlights deficiencies in the banks' risk control systems, including inadequate pre-loan assessments and a lack of verification of collateral ownership [6][7]. - There was no independent evaluation of the collateral, and the banks failed to implement a dynamic management mechanism for the collateral, allowing Liu to dispose of the cattle without detection [7]. - Experts suggest that banks should leverage technology, such as IoT, to enhance monitoring of live assets and consider insurance and government support to mitigate risks [7].