On May 27, a judgment disclosed by the Judgment Documents Network showed that the former deputy president of Zhejiang Mintai Commercial Bank Xiaoshan Guali Small and Micro Enterprise Special Branch (hereinafter referred to as Mintai Bank Guali Sub-branch) Ni Kefeng used Min. The Bank of Thailand Guali Sub-branch discounted and transferred commercial acceptance bills in the name, and defrauded the discounted bank bills totaling 4.4 billion yuan, resulting in an actual loss of 2.5 billion yuan.

The verdict shows that Ni Kefeng and others used their actual control of Hangzhou Jinrui Chuan Company to carry out bill fraud, and defrauded bank funds of more than 1.363 billion yuan for their own use, causing economic Loss of 942.4 million yuan; helped Everbright International Construction Engineering Corporation, Tianjin Metallurgical Group Co., Ltd. Steel Co., Ltd. and Tianjin Metallurgical Group Co., Ltd. Rolled Iron and Steel Group Co., Ltd. defrauded the bank of a total of more than 2.925 billion yuan. Control and use, Ni Kefeng and others obtained huge benefits from it, causing economic losses of 1.4 billion yuan. Ni Kefeng’s illegal income was 1.01093 billion yuan. In the end, Ni Kefeng was sentenced to life imprisonment for bill fraud and loan fraud.

Ni Kefeng was born in 1981 in Hangzhou, Zhejiang Province. On July 17, 2013, Ni Kefeng was appointed as the Vice President of Guli Branch of Mintai Bank (to preside over the work). On March 18, 2015, Ni Kefeng was removed from his post and was dismissed on November 12 of the same year. On August 8, 2018, Xiaoshan People’s Court was sentenced to 6 years in prison for a crime of illegally disbursing loans and was fined 150,000 yuan. October 22, 2018 was released for retrial.


Private high-interest loans owe tens of millions of debts

After being transferred from the post of vice president of Mintai Bank Guali Sub-branch, Ni Kefeng Still pretending to be the person in charge of Mintai Bank Guali Sub-branch as a person in charge of invoicing companies, related banks and other personnel to carry out commercial ticket business.

The referee document shows that from January 2015 to August 2015, Ni Kefeng, together with Hong Mou and Lu Mou, used the fictitious trade background and issued by the shell company Unaccepted commercial acceptance bills or use commercial acceptance bills issued by other companies, and use forged banking documents and official seals to modify the bills by endorsement, and discount and transfer commercial acceptance bills in the name of Mintai Bank Guali Branch

According to the judgment document, at the end of 2013, Ni Kefeng met with the person involved in the loan process, Hong Mou. Ni Kefeng provided some help for Hongmou’s loan, and Hongmou also helped Ni Kefeng borrow millions of dollars from others. Around July 2014, do bill of exchange discounts and banksLu Mou, the person involved in the loan transfer business, knew Hong Mou, who introduced Ni Kefeng through the introduction of Hong Mou.

During his tenure at the bank, Ni Kefeng also engaged in private high-interest loans. Around August 2014, tens of millions of yuan in debt was incurred due to the unrecoverable loan.

Fang, who runs Zhejiang Hongjie Fund Management Co., Ltd., introduced Lu Kefeng under the introduction of Lu, and helped Ni Kefeng take care of “stolen money”. Fang’s testimony showed that Ni Kefeng and Lu Mou had huge capital transactions. Since November 2014, Ni Kefeng has been short of funds and has borrowed 20-30 million yuan from Fangmou. In addition, Fang knew that Ni Kefeng had other private debts of 20-30 million yuan.


Defrauded nearly 1.4 billion yuan through bills

In January 2015, Ni Kefeng teamed up with Hongmou, Lumou and other intermediaries to use it Hangzhou Jinruichuan Trading Co., Ltd. as the payer and Hangzhou Fangxian Trading Co., Ltd. as the payee under actual control issued 4 commercial acceptance bills with no real trade and no capital guarantee, with a total amount of 300 million yuan; The identity of the person in charge of Guali Sub-branch of Thai Bank, using forged business materials and bill business stamps, discounted in the name of Mintai Bank Guali Sub-branch and simultaneously rediscounted to Hengfeng Bank Fuzhou Branch, China Minsheng Bank Changzhou Sub-branch, etc. Hand bank, fraudulently obtained more than 2.9069 billion yuan in discounted funds. In addition to the payment of more than 60 million yuan in benefits to Lu, Hong, and other intermediaries, the above discount money was actually used by Ni Kefeng for more than 230 million yuan. Ni Kefeng was mainly used to return loan sharks. In July of the same year, Ni Kefeng was underfunded and unable to pay due bills. He borrowed 200 million yuan through Lu to redeem the 300 million yuan bill.

In August 2015, in order to repay the pre-debt, Ni Kefeng, together with someone such as Lu, once again used Hangzhou Jinrui Chuan Company as the drawer to issue unfunded guarantees 20 commercial acceptance bills (a total of 1.1 billion yuan), discounted as the person in charge of Mintai Bank Guali Sub-branch, forged basic materials of Mintai Bank Guali Sub-branch, bills for business bills, etc. It also facilitated the subsequent inter-bank bill rediscount business, and finally cheated more than 1.07 billion yuan in bills, resulting in a loss of 942.4 million yuan for the investment bank Industrial Bank Putian Branch.


Helping companies defraud banks of nearly 3 billion yuan in discounts and collect huge benefit fees

April 2015 to June of the same year, Ni KefengThe second partner with Hong and other intermediaries, the intermediary first contacted the company in need of financing, the company as the payer, issued a commercial acceptance draft with no real trade background to the affiliated company, and then Ni Kefeng used forged banking business information 1. Business seal, pretending to be the person in charge of Mintai Bank Guali Sub-branch, discounted in the name of Mintai Bank Guali Sub-branch and rediscounted at the same time to multiple back-end banks, fraudulently collected the money for the bill of exchange, and transferred to the bank controlled by the billing company Account. After receiving the discount money, the billing company, in addition to paying a huge benefit fee to the intermediary staff including Ni Kefeng, occupies the vast majority of the discount bill.

Among them, the cooperation with Everbright International Construction Engineering Corporation (abbreviated to Everbright International Corporation) has enabled Ni Kefeng to earn huge benefits.

In April 2015, Everbright International contacted Ni Kefeng through an intermediary due to difficulties in capital turnover. Ni Kefeng pretended to be the person in charge of Mintai Bank Guali Sub-branch and discounted it in the name of Mintai Bank Guali Sub-branch. At the same time, it was discounted to the Jiujiang Rural Commercial Bank, Hebei Bank, China Minsheng Bank Ningbo Branch, etc. under the coordination of intermediaries. Banks defrauded more than RMB 480.5 million in discounted funds. Everbright International Corporation, after receiving the above discounted bill of exchange, paid an intermediary fee of more than RMB 30.01 million in the name of financing service fee, of which Ni Kefeng received more than RMB 7.01 million.

In May 2015, China Everbright International decided to continue to use the above methods of financing. After negotiation, Everbright International agreed to issue 500 million yuan commercial acceptance bills in May and June 2015, respectively, lending 150 million yuan in discounted money to Ni Kefeng. On May 29, China Everbright International issued 10 commercial acceptance bills to Huaxia Jinshi Company for a total amount of 500 million yuan. On the same day, Ni Kefeng and others used the above-mentioned methods to discount the 500 million yuan draft and redeem it at the same time to Zigong City Commercial Bank, Minsheng Bank Ningbo Branch, Industrial Bank Chengdu Branch and other back-end banks to defraud more than 486.8 billion yuan in discounted funds. . After receiving the above discount, Everbright International transferred RMB 150 million to Ni Kefeng on the same day and paid an intermediary fee of more than RMB 20 million in the name of financing service fee.

On June 16, 2015, China Everbright International Company issued 10 commercial acceptance bills to Huaxia Jinshi Company for a total amount of 500 million yuan. The next day, Ni Kefeng and others used the above-mentioned methods to discount the 500 million yuan draft and redeem it at the same time to Alxa Rural Commercial Bank, Hebei Bank and Minsheng Bank Ningbo Branch and other back-end banks to defraud more than 4.8736 billion yuan . Everbright International received the discounted bill of exchange and transferred it to Ni Kefeng for 150 million yuan, and paid an intermediary fee of more than 20 million yuan in the name of financing service fee. After receiving 150 million yuan, Ni Kefeng transferred to the intermediary staff more than 6.68 million yuan on the same day, Transfer money to Everbright International Corporation for more than RMB 3.81 million in loan interest. Before the case, Ni Kefeng did not return the 150 million yuan, and Everbright International Company has paid the discounted amount of the draft.

In May 2015, Tianjin Metallurgical Group Co., Ltd. No. 3 Iron and Steel Co., Ltd. was contacted by Ni Kefeng through the introduction of intermediaries due to difficulties in capital turnover. Ni Kefeng used the same criminal means to defraud the company of more than 486.1 million yuan in discounts, and received a benefit of more than 7.01 million yuan. In June 2015, Tianjin Metallurgical Group Yuanyi Iron and Steel Group Co., Ltd. also contacted Ni Kefeng through intermediaries due to difficulties in capital turnover. Ni Kefeng used the same criminal methods to get 5 million yuan again. Bank Ningbo Branch resold the one billion yuan commercial acceptance bill to Industrial Bank Chengdu Branch. Before the case, Tianjin Rolling Iron and Steel Co. only paid 50 million yuan, resulting in a loss of 950 million yuan for the Industrial Bank Chengdu Branch.


Sentenced to life imprisonment and confiscated all personal property

The defendant Ni Kefeng basically had no objection to the facts of the charges, but he raised, He does financing business for enterprises in the form of bills and issues loans. The bill business related to Hangzhou Jinrui Chuan Company is financing for himself and Lumou. The bill business of Tianjin Metallurgical Group Rolling Iron and Steel Group Co., Ltd. is to finance state-owned enterprises, and they all want to return funds. They have no purpose of defrauding bank funds. They requested the court to accurately determine the crimes they committed.

Hangzhou Intermediate People ’s Court believes that the defendant Ni Kefeng, for the purpose of repayment of huge debts, for the purpose of illegal possession, teamed up with others to issue unaccounted commercial acceptance bills, using Or counterfeit the identity of the person in charge of the bank, use privately engraved bank seals to discount, and then re-discounted to give funds to the bank, defrauding bank funds, the amount is particularly huge, the act has constituted bill fraud. In order to obtain huge benefit fees, Ni Kefeng teamed up with others to use privately engraved bank signatures and discounted commercial acceptance bills without real trade under the name of Mintai Bank Guali Sub-branch, and then rediscounted them to subsequent banks to defraud bank funds to give ticket companies to use The amount is particularly huge, and its behavior has constituted a crime of fraudulent loan.

Finally, the Hangzhou Intermediate People ’s Court issued the following judgment. The defendant Ni Kefeng was convicted of bill fraud, sentenced to life imprisonment, deprived of political rights for life, and confiscated all individuals. Property; committing the crime of fraudulent loan, sentenced to 5 years ’imprisonment, and a fine of 300,000 yuan; 6 years’ imprisonment with the previous crime of disbursing a loan, and a fine of 150,000 yuan.Imprisonment, deprivation of political rights for life, and confiscation of all personal property. The deposits and fruits in the bank card (card number 62 ××× 48) under the name of the commercial house and the frozen party located in Xiaoshan District of Hangzhou City seized by the Hangzhou Municipal Public Security Bureau shall be recovered and returned to the injured unit in proportion. The defendant Ni Kefeng was ordered to continue to refund the damages within the limit of illegal gains and return the injured units in proportion. Both Hong Mou and Lu Mou handled the case separately.