CCTV1 — -2026-142
20260806 161800 UTC
115 transcript segments
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Machine transcription. Treat it as a searchable index of what was broadcast, not a verbatim quotation record.

[00:02:30] nor do they have an actual need to purchase a large number of cars. So why did Zhou
[00:02:34] buy so many cars?
[00:02:36] ?
[00:02:38] An investigation into Zhou revealed
[00:02:41] that most of the more than 30 cars he purchased
[00:02:44] were not
[00:02:48] paid off on time, and are now in a state of default.
[00:02:52] More than 30 car loans. Such a unified
[00:02:56] rhythm of violations is by no means accidental. The police determined
[00:03:00] that Zhou was likely the key figure in this car loan scam.
[00:03:04] Zhou paid the down payment for both of Ding Xiaomei's vehicles,
[00:03:07] indicating a close financial connection between them. To clarify the entire
[00:03:11] case process, Ding Xiaomei is a crucial breakthrough point.
[00:03:15] For this reason, the police traced various clues
[00:03:19] and finally found Ding Xiaomei, who had been out of contact.
[00:03:22] 。
[00:05:00] After obtaining a complete chain of evidence, the special task force decided to arrest Zhou.
[00:05:04] 实 抓 补
[00:05:05] 。
[00:05:09] With the assistance of the police, we learned that in July
[00:05:12] 2022, the case police arrested Zhou
[00:05:18] in a rented apartment in Chongqing.
[00:05:21] The arrest of the key suspect, Zhou, brought a critical breakthrough
[00:05:25] to the investigation of these cases. So what
[00:05:29] role did Zhou play in this black chain?
[00:05:32] And how did the suspects deceive
[00:05:36] these nominal car buyers who signed the documents?
[00:05:39] The master is not accompanied.
[00:06:13] He knows the entire process of car loan approval and vehicle registration like the back of his hand.
[00:06:16] A coincidental incident led him to take out a car loan,
[00:06:20] and also made him discover loopholes in the financial institution's loan approval process.
[00:06:24] Afterwards, he began to exploit these loopholes for fraud.
[00:06:27] Zhou said that in the entire fraud chain,
[00:06:31] he was only responsible for the operation and coordination of the middle环节.
[00:06:35] The front end had dedicated people providing "debt carriers" like Ding Xiaomei,
[00:06:39] and all new cars obtained through fraud would be sold.
[00:07:12] When he went to visit, during his visit and investigation, he found
[00:07:16] that he was eating dinner, and his dinner was just
[00:07:20] a bowl of plain water noodles, with nothing else, no vegetables, not even salt.
[00:07:23] It was just a bowl of plain water noodles. Then we specifically asked
[00:07:27] him, "Why don't you put oil or salt in your noodles?"
[00:07:31] He said, "I don't have any at home."
[00:07:34] At first, old man Wang was completely bewildered by this unexpected loan.
[00:07:38] He couldn't figure out where the problem was.
[00:07:41] 。
[00:09:29] Most of these people bought two or three cars, and now they are burdened with huge debts of hundreds of thousands of yuan. How exactly were such a large number of people accurately targeted and recruited by the criminal gang for mass fraud? Through Zhou's confession,
[00:09:33] another main suspect in the case, Wu,
[00:09:37] entered the police's
[00:09:38] sight.
[00:10:03] Once these "white households" were found, they would be gathered in Chongqing and arranged to live together. Wu was responsible for managing
[00:10:06] these people, including their food and lodging, waiting for Zhou to come
[00:10:10] and select them.
[00:10:27] These carefully selected car buyers, most of them have low education levels,
[00:10:31] and some even have intellectual disabilities. Zhou
[00:10:35] forged their identities and income certificates, packaging them as high-quality customers
[00:10:39] with stable jobs. During the loan approval process,
[00:10:43] someone would accompany them and teach them in advance
[00:10:46] how to respond to phone calls from financial institutions. Once these "white households" passed
[00:10:50] the financial institution's review and loan approval, Zhou would take them
[00:10:54] to
[00:12:25] After that, he went to Chengguan City and made the first model, which means that the things that don't drip will be directly inspected on it and then put on the shelves, and then the master will be in charge of the new text.
[00:12:52] According to the regulations, after the new issuance, the original
[00:13:25] Generally, Zhou received 55% of
[00:13:27] the total amount.
[00:13:32] 。
[00:15:37] Zhou, Wu, Chen, and 25 other people were sentenced to
[00:15:41] imprisonment ranging from 10 years to less than one year, and fined accordingly.
[00:15:44] As for the nominal car buyers like Ding Xiaomei and 18 others,
[00:15:48] even though they knew the gang was committing fraud, they still cooperated by signing
[00:15:52] and handling the procedures. They were also deemed co-conspirators in the case
[00:15:56] and are legally responsible for their criminal actions. However, for people like Grandpa Wang
[00:15:59] who were deceived and unaware of being nominal car buyers, the court ruled
[00:16:03] that they are not criminally liable.
[00:16:07] Today, our studio has invited Professor Zhang Ke from China University of Political Science and Law.
[00:16:11] Hello, Professor Zhang. Professor Zhang, we noticed that in this case,
[00:16:15] even though they were all nominal car buyers, some people were identified
[00:16:19] as accomplices in the fraud and had to bear criminal responsibility, while others did not
[00:16:23] bear criminal responsibility. Could you explain why there is such a difference?
[00:16:26] 。
[00:16:35] There is no doubt about this. But our criminal law focuses
[00:16:39] on the unity of subjective and objective. In addition to the objective behavior,
[00:16:43] it is also necessary to determine whether the car buyer
[00:16:47] formed a common criminal intention with the criminal gang. In this
[00:16:50] case, car buyers are mainly divided into two types.
[00:16:54] The first type are active participants like Ding Xiaomei.
[00:16:58] They were involved in hotel arrangements, submitting ID cards and mobile phones,
[00:17:01] fabricating false professions, signing for car purchases, obtaining
[00:17:05] loans, and subsequent actions.
[00:17:37] Some even have intellectual disabilities, so throughout the process, they didn't
[00:17:41] know that their signature meant buying a car, nor did they know
[00:17:45] that they were burdened with loans. Many also did not participate in the subsequent
[00:17:49] division of spoils. For such people, we generally believe
[00:17:53] that they do not have a common criminal intention
[00:17:56] and should not be treated as accomplices in fraud. Hmm, Professor Zhang, we noticed
[00:18:00] that this criminal gang actually formed a complete chain. You see, finding people, defrauding loans,
[00:18:04] reselling, and even choosing some.
[00:18:41] There is a lack of substantive verification of their real occupation, real income, and repayment ability.
[00:18:44] 。
[00:18:50] They fabricated statements and successfully dealt with our written review and
[00:18:54] phone interviews, easily deceiving the loan approval process. In
[00:18:58] the future, I think we still need to strengthen the substantive verification
[00:19:02] of loan qualifications. However, considering human
[00:19:05] resources are limited after all.
[00:20:30] A temporary greed can make ordinary people exchange their credit for money. This black industry
[00:20:37] can operate because it precisely exploits the weaknesses of some groups, who lack
[00:20:41] money, are ignorant of the law, and lack understanding of credit, tempting them step by step,
[00:20:44] and harvesting them precisely. Credit
[00:20:48] is everyone's.
[00:20:55] economic identity card, directly affecting loans, travel, employment, and many other aspects. It is by no means a commodity that can be sold at will. All propaganda about zero cost,
[00:20:59] getting money without signing, and not having to repay loans is essentially
[00:21:03] a financial trap. Upholding the legal bottom line and cherishing personal
[00:21:07] credit is the only way to truly protect your own life and stability.
[00:21:10] Okay, thank you for watching today's "Today's Legal Talk", and thank you to Professor Zhang for joining our
[00:21:14] discussion.
[00:21:16] Welcome to continue watching other programs on CCTV Comprehensive Channel.