CCTV1 — -2026-142
20260806 202200 UTC
133 transcript segments
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Machine transcription. Treat it as a searchable index of what was broadcast, not a verbatim quotation record.

[00:00:40] The special elderly, inexplicably paid 200,000 yuan in loans.
[00:01:30] Old man Wang, he is a local special difficult single person, without children,
[00:01:33] lost the ability to work, relying on a few hundred yuan low guarantee to maintain a living every
[00:01:37] month. He is usually very frugal, and his life is very tight.
[00:01:41] But a few years ago, a series of debt collection calls
[00:01:45] and loan text messages kept coming to him.
[00:01:48] He didn't even know what kind of loan he took.
[00:01:52] 。
[00:01:56] When it came to his mobile phone, he only knew about it. He.
[00:02:51] An elderly person in extreme poverty who never left his house, inexplicably burdened with more than 200,000 yuan in debt.
[00:02:55] He neither actively applied for a loan nor spent a penny.
[00:02:58] This loan.
[00:05:12] Through investigation, it was found that Ding Xiaomei, 53 years old, is a local in Wanzhou, Chongqing.
[00:05:16] She usually runs a small mahjong parlor on the street.
[00:05:20] We found that she is just a kind of boss
[00:05:24] of a small mahjong parlor on the street in Wanzhou, Chongqing.
[00:05:27] She's just a small mahjong parlor
[00:05:30] owner.
[00:05:34] Not matching. The police investigation found that Ding Xiaomei had neither a stable
[00:05:37] job nor a fixed income, and was completely unqualified to apply for a car loan
[00:05:41] and long-term repayment.
[00:05:44] What surprised the police even more was that Ding Xiaomei also bought cars at other
[00:05:48] 4S stores in other places.
[00:05:49] 。
[00:05:53] A design store in Chongqing also purchased a CT5 sedan,
[00:05:57] which should be worth more than 200,000 yuan. The police
[00:06:01] immediately went to this brand 4S store in Chongqing to investigate and verify,
[00:06:05] and found that the store's salesperson had not yet detected the problem. According to
[00:06:08] the person in charge of this car 4S store in Chongqing, Ding Xiaomei
[00:06:12] visited the store to look at cars accompanied by two men. They quickly decided on
[00:06:16] a sedan worth 200 million yuan, and chose to purchase the car
[00:06:20] by means of a loan. This loan was approved very smoothly.
[00:06:24] On the same day of the initial procedure, Ding Xiaomei and the two men who accompanied her
[00:06:27] picked up the car together.
[00:06:29] 。
[00:06:37] Within just half a month, Ding Xiaomei traveled between two places and consecutively took out loans
[00:06:40] to purchase two high-end cars.
[00:08:12] The car loan fraud, as discussed today, is currently
[00:08:16] being investigated. The special task force
[00:08:19] first investigated Ding Xiaomei's car purchase funds, and quickly
[00:08:23] found a discrepancy. The down payments for both of her cars came from the account
[00:08:27] of the same man surnamed Zhou, and Zhou and Ding Xiaomei
[00:08:31] were not related by blood or marriage, and had no connection
[00:08:34] in their lives.
[00:08:37] It was found that
[00:08:38] .
[00:12:56] After being arrested, Zhou admitted everything. He said that the idea of this
[00:13:00] fraudulent way of making money was purely coincidental. Zhou had previously been engaged
[00:13:03] in the automotive sales industry for a long time, and was very familiar with the entire process of car loan approval
[00:13:07] and vehicle registration. One accidental mistake
[00:13:11] allowed him to obtain a car purchase loan, and also made him discover a loophole
[00:13:15] in the financial institution's loan approval process. After that, he began to use
[00:13:18] this loophole to commit fraud. Zhou said that
[00:13:22] in the entire fraud chain, he himself was actually
[00:13:55] The extremely poor household, Old Man Wang, who lives in Xichong County, mentioned at the beginning of the program,
[00:13:58] attracted the special attention of the public security police. His life was
[00:14:02] very difficult. When we went to his home to visit
[00:14:06] and investigate, we found him eating
[00:14:10] dinner. His dinner was a bowl of plain
[00:14:13] noodles, with nothing else, not even vegetables, not even salt, just
[00:14:17] a bowl of plain noodles. Then we specifically asked him, why don't you
[00:14:21] put oil or salt in your noodles? He said he didn't have any at home.
[00:14:26] At first, Old Man Wang was completely confused by this loan that appeared out of nowhere,
[00:14:30] and couldn't figure out where the problem was.
[00:17:43] Once these "white households" pass the financial institution's review and loan approval, Zhou will take them to the
[00:17:47] 4S store to pick up the car, and pay for the down payment.
[00:17:51] However, when the police investigated the source of Zhou's down payment, they found
[00:17:55] that the actual owner of these funds was someone else.
[00:17:58] 。
[00:19:07] However, how was the car, which should have been mortgaged, sold and transferred
[00:19:11] without the mortgage being cancelled? He's on the upper house
[00:19:15] ,
[00:19:19] The small room, he went to the official's office and said that he could only get the door card.
[00:19:22] , one into the quantity of that level.
[00:21:20] the big book with his, we can see very clearly that his
[00:21:24] font and his watermark are
[00:21:27] completely different. At this time, the 4S stores realized they had been defrauded
[00:21:31] and reported the cases one after another. And in the entire case, most of the "borrowed" individuals who were taken advantage of
[00:21:35] were largely ignorant of the law, had limited understanding, and for a mere
[00:21:39] 10,000 to 30,000 yuan in benefits, were burdened with debts they could not repay,
[00:21:42] and faced prosecution, debt collection, loss of credit,
[00:21:46] and lifetime restrictions. Later, the special team.
[00:22:20] After the first and second trials of this case, on January 16, 2026,
[00:22:23] the Guang'an Intermediate People's Court of Sichuan Province made its final judgment.
[00:22:27] For loan fraud, Zhou, Wu, Chen, and 25 others
[00:22:31] were sentenced to fixed-term imprisonment ranging from 10 years to one year,
[00:22:35] and fined accordingly. As for Ding Xiaomei
[00:22:39] and 18 others who were nominal car buyers, they also knew
[00:22:42] that the gang was engaged in fraud, but still cooperated by signing and handling the initial procedures. They were also
[00:22:46] determined to be co-conspirators in the case, and shall bear corresponding legal responsibilities.
[00:23:20] In this case, we will find that the nominal car buyers
[00:23:24] actually objectively carried out such an act of assisting in the fraud.
[00:23:27] There is no doubt about this. However, our criminal law emphasizes
[00:23:31] the unity of subjective and objective aspects. In addition to objective behavior,
[00:23:35] it is also necessary to determine whether the car buyers and the criminal
[00:23:39] gang formed a common criminal intent. In this case,
[00:23:43] car buyers are mainly divided into two types. The first type is like Ding Xiaomei.
[00:23:46] 型 , 第 一 种 是 像 丁 小 梅 这 样 的 。
[00:23:52] They have a relatively clear understanding of the travel arrangements, appeals, handing over ID cards and mobile phones, fabricating false occupations,
[00:23:56] signing car purchases, obtaining loans, and including the subsequent sharing
[00:24:00] of profits, and show a positive
[00:24:04] cooperative attitude. It should be determined that they and the criminal gang constitute
[00:24:08] a common criminal intent and should be punished
[00:24:11] as accomplices in fraud. The other type of
[00:24:15] car buyer is like Old Man Wang, who was taken advantage of.
[00:24:19] 。
[00:25:48] The real income, including his ability to repay, lacked a substantive review. They fabricated statements, successfully dealt with our multiple checks and phone callbacks, and easily deceived the loan providers.
[00:26:33] As the interested party and financial institution,
[00:26:36] neither knew that the old book had lost its legal validity. The criminal
[00:26:40] gang was able to succeed precisely because of this reason.
[00:26:44] In the future, I think we still need to optimize our
[00:26:48] process of reissuing lost certificates, for example, by designing
[00:26:51] some compulsory notification procedures for interested parties, and even promoting
[00:26:55] the digitization of certificates, to allow 4S stores and financial institutions
[00:26:59] to conduct online real-time verification.
[00:27:11] A moment of greed can make ordinary people exchange their lifetime credit for tens of thousands of yuan. The reason why this dark industrial chain
[00:27:14] can operate is precisely because it precisely exploits the weaknesses of some groups
[00:27:18] who lack money, do not understand the law, and lack awareness of credit,
[00:27:22] luring them step by step and precisely harvesting them.
[00:27:26] Credit is everyone's economic identity card, directly affecting
[00:27:29] loans, travel, employment,
[00:27:43] Only by cherishing personal credit can we truly protect our
[00:27:47] lives and safety. Thank you for watching today's "Today's Legal Talk",
[00:27:51] and thank you, Teacher Zhang, for participating in our discussion. Welcome
[00:27:54] to continue to pay attention to other content broadcast on CCTV Comprehensive Channel. Goodbye.
[00:27:58] 。
[00:31:38] Good evening, everyone. Good evening. Today is Thursday, August 6th,
[00:31:42] the 24th day of the sixth lunar month. Welcome to watch the News Broadcast program.
[00:31:46] First, let me introduce today's program's main content. Since the beginning of this
[00:31:50] year, President Xi Jinping, with the broad vision of a great party and a great nation leader,
[00:31:53] and a global perspective, has actively engaged in head-of-state diplomacy, leading
[00:31:57] China to shoulder the responsibility of seeking peace, promoting development,
[00:32:01] facilitating cooperation, and upholding justice in this era.