Recently, Beijing No.3 Intermediate People's Court concluded a fraud case of "copying loans by hand". Fraudsters flaunt the "packaging" service that can provide identity information for unqualified borrowers, claiming that they can get loans by "copying materials". But in fact, these fraudsters will not apply for loans at all, just to defraud the "packaging" fee and service fee. There are 18 victims in this case, and the total amount of fraud is as high as 4.93 million yuan. After the first and second trials of the court, twenty people, including Zheng, were sentenced to fixed-term imprisonment ranging from one year, five months to thirteen years for committing fraud.

the victim, Mr. Liu, was unable to get loans from banks and other formal financial institutions because of personal credit problems. In June, 22, Mr. Liu saw the advertisement of "fast handling unsecured large-scale credit loans and fast lending" issued by a company from the circle of WeChat friends, and went to the company to understand the situation. Yan, the business manager, received Mr. Liu and said that he could apply for a loan, but he needed to be packaged as a sales manager of an automobile sales company to supplement his income and tax records, and he had to pay a "packaging" fee and a loan service fee.

because of the urgent need for money, Mr. Liu applied for a loan of 2, yuan without thinking, and paid a fee of 13, yuan. The two sides signed an entrusted loan contract with an exemption clause, stipulating that if the bank refuses to lend money due to the victim's reasons, the paid fees will not be refunded. The next day, Yan provided a material for Liu to recite in order to "prepare for a face-to-face question and answer". Two days later, the salesman of the company took Mr. Liu to the "loan company" for an interview. The "lending company" asked a lot of tricky questions, such as the bus route of the victim to work and the buildings around the company, which made Mr. Liu speechless. In the end, Mr. Liu failed the interview.

Yan, the business manager, once again persuaded Mr. Liu that if he applied for a loan of 1 million yuan, he could go through a special examination and approval procedure and try to write on the spot, but he had to pay another 45, yuan. Miss Liu was in a hurry to use the money, so she agreed. When "face-to-face signing" again, Mr. Liu copied the materials by hand, but the other company also claimed that the written content was inconsistent with the original details and still could not lend money. Teacher Liu realized that she was cheated, called the police and finally filed a case.

in the first instance, the court sentenced 2 people involved in fraud, including Zheng, to penalties ranging from one year, five months to 13 years respectively. Hou Tian and others appealed to Beijing No.3 Intermediate People's Court on the grounds of excessive sentencing. After trial, the Beijing No.3 Intermediate People's Court held that 2 people, including Zheng, defrauded others of money by fabricating facts and concealing the truth, and the actions of the appellants and defendants in the original trial all constituted the crime of fraud, and they were * * * accomplices. The final ruling dismissed the appeal and upheld the original judgment.

The judge suggested that if you want to borrow money through an intermediary, you need to carefully examine the qualifications of the intermediary company and the professional qualifications of the salesman, and pay attention to important information such as whether the lending company belongs to a formal financial institution and loan interest when signing the contract. Related questions and answers: