Interlocking, it is impossible to prevent! A woman in Hebei has fallen into a "lunch loan" and has been homeless as a loan shark again and again. Today, Ms. Zhang is married, the house is gone, and she lives alone in her relatives. A "search for people's notice" leads to sad past events. Recently, a reporter in the online post saw a "searching for people" issued by Ms. Zhang. The meaning of “seeking people to ask for a thing” is that she borrowed 200,000 yuan of loan sharks from Hao’s office in Zhao County for business turnover in 2014. After that, she repaid, borrowed and repaid, and fell into Hao in the process. The trap of a certain person, signed a notarial certificate and a power of attorney, without knowing, the only set of houses sold, is now homeless.
She knows that there are still many people who have suffered the same as her. She wants to find these people, join the Public Security Bureau to report the case, seek justice, and try to save her losses and return to normal life. According to the phone call on the “Tracing the Person”, the reporter contacted Ms. Zhang, and at the relatives where she lived, she saw Ms. Zhang, who was thin and full of sadness, and her father, Mr. Zhao. Ms. Zhang is now in her 40s. She said that she is a native of Zhao County. She originally worked as a liquor business in Shijiazhuang with her lover. There are two children and a house in the natural city of Yuhua District, Shijiazhuang. Although the business is not very good. The profit is meager, but it can also raise the family, and the family will live a life.
However, since 2014, I have known that Hao Mou, who is doing private lending, borrowed usury from Hao Mou for business turnover, and everything has changed. Borrowing, repayment, re-borrowing, not yet, I want to continue to borrow, loan, mortgage real estate in various ways... In the process, I also had a divorce procedure. Until the end, even the house was confusing, and there was no home overnight. Returnable.
Since October 2016, Ms. Zhang has borrowed her relatives from Shijiazhuang to help her relatives earn some living expenses. The child was placed in the mother's house for care, and the child's father, Mr. Zhao, was wandering around and had no place to live. Until this year, Ms. Zhang saw articles related to the fight against “routing loans” from the newspapers. The more she thought she was the victim of “routing loans”, she and her father decided to tell their own experiences and try their best to be fair. Since she learned a lot about the loan disputes related to Hao, she wrote a “search for people to post” online, hoping to find someone with similar experience to jointly defend their rights.
2 From the beginning of usury Life has changed. Since I have been exposed to usury, how the days have changed, Ms. Zhang took out a form she summarized and gave the reporter a little bit about this painful process. Originally from the beginning of 2014, Ms. Zhang and her lover introduced to Hao Mou, who made a private loan in Zhao County. Hao told them to speak with money. It happened that business turnover was not good during that time. Ms. Zhang thought of Hao Mou. They used white wine as a mortgage. They borrowed 200,000 yuan from Hao Mou, 10% monthly interest, and borrowed 200,000 yuan. The 18 is the one that gets the hand. Ten thousand yuan, 20,000 yuan interest was deducted in advance. A month later, Ms. Zhang returned Hao Yuan 200,000 yuan.
In 2015, Ms. Zhang borrowed 200,000 yuan from Hao Mou in the same way, and the interest of 20,000 yuan was deducted in advance. But this time the repayment was not so smooth. After one month's deadline, Ms. Zhang couldn't make up 200,000 yuan for a while, and she could discuss with Hao that she could not be confined for a few days. Hao said that she could help Ms. Zhang to hold a mortgage from the bank. Take the bank loan and return her loan. So Ms. Zhang took out the real estate certificate and entrusted Hao to help with the mortgage from the bank.
In the process of handling the mortgage loan, Ms. Zhang’s lover, Mr. Zhao, was found to have an overdue record. Hao Mou suggested that the two should first go through the divorce procedure and then apply for a loan in the name of Ms. Zhang’s personal. Ms. Zhang listened to Hao’s suggestion and went through the divorce procedure with her lover. In March 2015, she successfully applied for a bank loan of 450,000 yuan. This loan was directly paid to Hao Mou. In addition to repaying Hao’s 200,000 yuan loan, she also repaid the previous application of Ms. Zhang from a small loan company. A small loan of 250,000 yuan. Since then, Ms. Zhang and her lover need to repay a bank loan of 6,000 yuan per month.
After a few months of bank loans, Ms. Zhang felt struggling. At this time, Hao Mou appeared again, telling Ms. Zhang that she could help her with the second mortgage of the property, and then borrow another 100,000 yuan to ease the pressure on repayment. Ms. Zhang agreed. Hao Mou let her friend Xiao Fu take Ms. Zhang to go through the formalities of the second mortgage. In June 2015, Xiao Fu took Ms. Zhang to the Housing Authority to go through the formalities, mortgaged the real estate license to Ms. Gao, and pledged a loan of 100,000 yuan. In the meantime, Xiao Fu also took Ms. Zhang to a notary office, saying that the second mortgage of the property needs to be notarized, and took out a few pages of paper so that Ms. Zhang signed the handprint. After the formalities were completed, Ms. Zhang asked Ms. Gao for the mortgage loan of 100,000 yuan, but Ms. Gao shut down and she could not be contacted.
After completing the second mortgage procedure for the real estate, Ms. Zhang was busy with the business, and she did not care about going to Gao Mian to ask for the 100,000 yuan loan, mainly because the bank did not come to urge the loan, so that her pressure dropped sharply. A few months later, Hao appeared again and told Ms. Zhang that her house had been sold and urged her to move quickly. Ms. Zhang feels that the house has been living forever, how can it be sold, and she ignores Hao.
In October 2016, Ms. Zhang and her lover went home after busy business, found that the door lock was replaced, and called Hao, only to know that their house was really sold and sold to Zhao. They quickly contacted Xiaofu. After detailed inquiries, they realized that the "public certificate" that Xiaofu took with her was actually the "authorization letter" that the property was fully delegated to Ms. Gao. Ms. Zhang did not read the content at that time. The paid pointer was signed. After getting the "authorization letter", Ms. Gao quickly settled the loan with the bank and sold the house to Zhao. According to Ms. Zhang later, the high lady who sold the house was actually Hao’s sister-in-law. Zhao, who bought the house, was Hao’s husband.
3 Call for help Find the same kind of victim because of the loan again and again, the business is yellow, the house is gone, Ms. Zhang and her lover were disheartened. Until January of this year, they saw the contents of the relevant departments cracking down on "routing loans" in the newspapers, and compared their own experiences, they decided to cheer up and seek justice. They found out from the court online that the private lending lawsuit involving Hao was constant, from 2016 to 2019. From the enquiry of the Housing Authority, the real estate transactions involving Zhao were also very frequent. Judging from this, there are quite a few people who have similar experiences with themselves. Therefore, Ms. Zhang posted a “search for people” on the Internet and wanted to find more victims to discuss justice.
On June 5, Ms. Zhang and her father and dad went to the Zhao County Public Security Bureau to report the incident in detail, and only did a transcript for a day and a half. According to the telephone provided by Ms. Zhang, the reporter then contacted Mr. Hao, Xiao Fu and Gao. Hao’s phone has been unable to get through. Ms. Gao, who sold Ms. Zhang’s property, just said that she was in Zhao County, and it was not convenient for the interview to let the reporter come to Zhao County. When the reporter really went to Zhao County to contact Ms. Gao again, Ms. Gao immediately said that the reporter had hung up the phone and never answered the phone again.
Xiao Fu, who took Ms. Zhang to do the second mortgage of the property, said that the sale of the property was between Ms. Zhang and Ms. Gao. He was not clear about the specific situation. On June 13, the reporter searched Baidu for a court notice related to Hao, and found out many private loan disputes, which were announced during the period from 2016 to 2019. The Supreme Law: "Large Lending" is set up not only to check but also to check trading habits
On August 1, 2018, the Supreme People's Court issued the "Notice on Properly Handling Private Lending Cases According to Law." The "Notice" stated that if a fraudster violates the contract and charges a high fee for the criminal offence of "routing loan", the court must not only review the delivery documents, such as the receipt, receipt, and debt, but also review the trading habits and economy. Ability, property changes, and the truth. If the criminal judgment determines that the borrower constitutes a "routing loan" fraud and other crimes, the people's court should correct it in time if it has made a judgment based on ordinary private lending disputes.
The Notice also emphasized the strict observance of the legal interest rate red line. If the interest rate agreed by the borrower and the lender does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. The interest rate agreed by both the borrower and the lender exceeds the annual interest rate by 36%, and the excess interest agreement is invalid. On June 18, Zhejiang Xiangyuan Culture Co., Ltd. (Xiangyuan Culture) issued a notice saying that on June 17, it received 15 "Civil Judgments" from the Zhejiang Higher People's Court. According to the Civil Judgment, The court ended the trial of 15 appeals and made a second-instance judgment, dismissing the appeal of Xiangyuan Culture and maintaining the original judgment.
The announcement was as follows: 15 natural persons, such as Cui Wei, the appellee (the plaintiff of the original trial), filed a lawsuit against the Zhejiang Provincial Intermediate People's Court on the grounds of securities misrepresentation disputes, requesting Xiangyuan Culture to bear civil affairs for the above information disclosure violations. Liability, the total amount of litigation is 986,359.04 yuan. On January 18, 2019, Xiangyuan Culture received the first-instance judgment of the above 15 cases from Hangzhou Intermediate People's Court of Zhejiang Province, and sentenced Xiangyuan Culture to compensate RMB 432,239.89 (including compensation, interest and case acceptance fee). .
Xiangyuan Culture filed an appeal with the Zhejiang Higher People's Court within the statutory time limit, requesting: 1. To revoke the first judgment of the original trial, and to change the judgment to reject all the appeals of the appellee; 2. The litigation costs of the case shall be borne by the appellee. On May 28, 2019, the Zhejiang Higher People's Court held a trial in the above-mentioned litigation case. Since Zhao Wei and the investors did not agree to mediation, the court no longer organized mediation in court and will make a decision on an elective basis.
In accordance with the provisions of Article 170(1)(1) of the Civil Procedure Law of the People's Republic of China, the judgment is to dismiss the appeal and maintain the original judgment. The second-instance case acceptance fee totaled 8152 yuan, which was borne by the company. This decision is final. In response, Xiangyuan Culture announced that it has made relevant commitments based on the original actual controller of the company on August 4, 2017, and the current indirect controlling shareholder Xiangyuan Holding Group Co., Ltd. For the payment company, the above litigation matters will not have a major impact on the company's production and operation management.
At present, the parties involved in the amount of this lawsuit have paid the company in full, so the above litigation matters have no significant impact on the company's production and operation management, and the company's various business operations are normal. The first investor in the country v. Xiangyuan Culture and Zhao Wei’s claim has been receiving much attention: In November 2016, Longwei Media tried to acquire 29.135% of the shares of Wanjia Culture (now known as Xiangyuan Culture) for RMB 3.06 billion. Among them, the self-owned funds are only 0.6 billion yuan, and the leverage ratio is as high as 51 times. In November 2017, the China Securities Regulatory Commission determined that Longwei Media’s acquisition was suspected of being illegal.
On the evening of April 16, 2018, the CSRC announced the punishment results for Wanjia Culture: Kong Deyong, Huang Youlong, Zhao Wei, and Zhao Zheng were warned and fined 300,000 yuan respectively. Among them, Huang Youlong, Zhao Wei and Kong Deyong banned securities within 5 years. The market; Wanjia Culture and Longwei Media were fined 600,000 yuan and were warned and ordered to correct. On January 17, 2019, the Hangzhou Intermediate People's Court of Zhejiang Province made a first-instance ruling on the case of 17 shareholders suing Xiangyuan Cultural Securities for false statement liability disputes, and sentenced Xiangyuan Culture, Zhao Wei and other defendants to compensate the shareholders for 48.8 yuan.
In February 2019, some media reported that Xiangyuan Culture and Zhao Wei had refused to accept the first-instance judgment and had appealed. On May 17, 2019, Xiangyuan Culture announced that the company, Longwei Media, Kong Deyong, Zhao Wei and other cases involving securities misrepresentation disputes had been pronounced, and the Hangzhou Intermediate People's Court of Zhejiang Province sentenced the company to compensate the plaintiff for RMB 796,000. Huazhong University of Science and Technology is located in Wuhan City, Hubei Province. It is a key comprehensive university directly under the Ministry of Education. It is one of the key construction projects of the National “211 Project” and the “985 Project”. It is the first batch of “double-class” universities.
Huazhong University of Science and Technology is one of the four universities with national laboratories and national science centers, and one of the two Chinese universities awarded the University Leadership Award by the American Society of Manufacturing Engineers (SME) along with Tsinghua University. At the same time, he was also selected as one of the "Top Ten Scientific Research Institutions in China" by Nature. It is called "the epitome of the development of higher education in China". Huazhong University of Science and Technology was established on May 26, 2000 by the former Huazhong University of Science and Technology, Tongji Medical University and Wuhan City Construction College. The original three schools not only inherit the historical tradition of the 100-year-old school, but also reflect the distinctive features of the development and growth under the banner of the Republic.
The former Huazhong University of Science and Technology was formerly known as Huazhong Institute of Technology. It was established in 1952 and was approved as a national key higher education school in 1960. In 1988, it was renamed as “Huazhong University of Science and Technology”. Former Tongji Medical University, in 1907, German doctor Erich Baolong founded Shanghai Dewen Medical Hall and in 1927 changed its name to Tongji University. Around 1952, the former Wuhan University School of Medicine merged with the former Wuhan University School of Medicine to form the Central South Tongji Medical College. In 1985, it was renamed as "Tongji Medical University". Former Wuhan Urban Construction College, the National Engineering School of the Central and Southern Regions was established in 1952. The Central South Construction Engineering School was renamed the Wuhan Urban Construction College. It was the only university in the country to be a city-building major.
The campus of Huazhong University of Science and Technology covers an area of more than 7,000 acres and is known as a “forest-type university”. As of November 2018, it has 45 departments and has 99 undergraduate majors, covering 10 university subjects such as philosophy, economics, law, education, literature, science, engineering, medicine, management, and art.
Second, the faculty of Huazhong University of Science and Technology Huazhong University of Science and Technology has more than 3,400 full-time teachers, including more than 1,200 professors, accounting for 35.2%. At the same time, it has also gathered a group of experts and scholars with high-level research and teaching ability, 17 academicians of the two academies, 59 special professors of "Changjiang Scholars", 69 national outstanding youth fund winners, and 39 outstanding young science fund winners. In addition, there are hundreds of high-level talents such as young talents, chief scientists of the 973 Program, and chief scientists of major national scientific research programs.