December 15

Zhejiang Xinhua Channel December 24 (Reporter Qiu Lihua) using a false proof of income,woolrich sconti, in just over a year's time, the bank has to apply for 19 seven credit cards, malicious overdraft of more than 27 million yuan, this "overdraft Madman "eventually have their own reckless behavior" pay "liability. December 22, Lucheng District of Wenzhou City, Zhejiang Province Procuratorate on suspicion of credit card fraud to prosecution. The case also exposed the bank issuing the above kinds of loopholes.

A bank to apply for a maximum of nine cards

44-year-old Yongjia County, Zhejiang Province, was originally a township government Yongjia career staffing,saldi moncler online, in 2007 began a leave of absence.

Between March 2007 to May 2008, Shao Daoming has to ICBC,parka peuterey,http://www.tongqiong.com/read.php?tid-470.html, Agricultural Bank of China, Bank of Communications, Shenzhen Development Bank and other seven banks to apply for a 19 credit, of which five banks to handle of two or more credit cards, a bank and even to him all kinds of credit cards issued nine.

Subsequently, Shao Daoming form of consumption, withdrawal, etc. overdraft, overdraft each card a few million to several thousand dollars, for a total of more than 27 million.

During Shaomou has repeatedly changed contact address and phone number,moncler milano outlet, but did not inform the bank. Bank repeatedly through the door,http://www.junjiuwei.com/forum.php?mod=viewthread&tid=126025, e-mail, telephone, contact their families and to their original units, etc. collection, but has never been able to get in touch with , has been no repayment, the bank made to the police. August 7 this year, Shao Daoming arrest.

Using a false proof of income and real estate license invalid credit card application

After the arrest,http://zazna.com/selection/index.php?item/create_form/1, Shao Daoming account overdraft own money,http://heirilu.org, working capital is mainly used to do business,woolrich shop,http://newcafe.org/motet/guest/motet.cgi, but when the prosecutor asked him specifically what kind of business when he hesitated, not tell what they were.

Prosecutors also found upon examination, Shao Daoming apply for a credit card with proof of income and proof of real estate there is a big problem, most of the credit card application is Shao Daoming after his leave of absence,peuterey sito ufficiale, but it has provided to the bank issued the original units proof of income, in addition to his real estate license real estate registration has been transferred to his ex-wife Xiemou in June 2007,woolrich femminile, that Shao Daoming apply for a credit card is part of obsolete housing ownership certificates to the bank a copy of the application.

In this regard,prezzo moncler, Shao Daoming account, after a leave of absence to go into business himself back several hundred thousand dollars in debt, in order to raise working capital, he thought to do a credit card overdraft method, since he can not provide valid proof of income,hogan interactive, they think using the original working relationship, from the original unit issued a proof of income. The property is on the real estate license after himself and his wife to divorce his wife Xiemou name.

It is understood that wife Xiemou currently several hundred thousand dollars because of a loan fails to repay the overdraft and credit problems, bring a civil action by the bank.

Bank credit card credit applicant scrutiny needs to be strengthened

reckless behavior is certainly crazy, but this case reflects the bank at the time of issuing the applicant's weak credit scrutiny greater concern.

Prosecutors handling believes Shao Daoming was able to use a false proof of income and set aside real estate license to apply for credit cards often successful, indicating that the bank credit card business while operating,http://www.dafa888bbs.net/thread-11019-1-1.html, there is a credit card applicant credit lax review of documents provided by the applicant to prove that they can arbitrarily be verified no card,http://7pf.hk/albums/displayimage.php?pid=2193&page=13, even in a year or so to the same applicant issued nine credit cards, not only cause losses to the issuing bank, but also affect the credit card market order, is not conducive to maintaining financial stability.

To this end, Lucheng District Attorney's Procuratorate issued a proposal to the part of the bank associated with the case, according to relevant regulations should require banks, credit card applicant creditworthiness and repayment capability to conduct due diligence,http://www.sgjy169.com/home.php?mod=spacecp&ac=blog&blogid=,woolrich travel jacket, to strengthen the credit card applicant credit scrutiny, specification credit card issuing and accepting behavior and promote the healthy development of the credit card business, to protect the safety of bank funds to maintain financial order and stability.

Legal Links: December 15, 2009 morning,woolrich outlet verona, the Supreme People's Procuratorate jointly issued "on the handling of criminal cases prejudice Credit Card Management Issues specific application of the interpretation of the law," and on December 16 since the beginning of implementation. The new "interpretation" of conditions on the credit card "malicious overdraft" constitute crimes were clearly defined. Under the new judicial interpretation of the provisions, if a malicious overdraft 10,000 yuan or more,woolrich outlet firenze, by the issuing bank's collection or twice over three months did not return, it may be held criminally responsible.