Google Cloud Speech-to-Text API (Chirp) + Gemini 2.5 Flash Non-Thinking. Treat it as a searchable index of what was broadcast, not a quotation record.
00:02:30nor do they have an actual need to purchase a large number of cars. So why did Zhou
00:02:34buy so many cars?
00:02:36?
00:02:38An investigation into Zhou revealed
00:02:41that most of the more than 30 cars he purchased
00:02:44were not
00:02:48paid off on time, and are now in a state of default.
00:02:52More than 30 car loans. Such a unified
00:02:56rhythm of violations is by no means accidental. The police determined
00:03:00that Zhou was likely the key figure in this car loan scam.
00:03:04Zhou paid the down payment for both of Ding Xiaomei's vehicles,
00:03:07indicating a close financial connection between them. To clarify the entire
00:03:11case process, Ding Xiaomei is a crucial breakthrough point.
00:03:15For this reason, the police traced various clues
00:03:19and finally found Ding Xiaomei, who had been out of contact.
00:03:22。
00:05:00After obtaining a complete chain of evidence, the special task force decided to arrest Zhou.
00:05:04实 抓 补
00:05:05。
00:05:09With the assistance of the police, we learned that in July
00:05:122022, the case police arrested Zhou
00:05:18in a rented apartment in Chongqing.
00:05:21The arrest of the key suspect, Zhou, brought a critical breakthrough
00:05:25to the investigation of these cases. So what
00:05:29role did Zhou play in this black chain?
00:05:32And how did the suspects deceive
00:05:36these nominal car buyers who signed the documents?
00:05:39The master is not accompanied.
00:06:13He knows the entire process of car loan approval and vehicle registration like the back of his hand.
00:06:16A coincidental incident led him to take out a car loan,
00:06:20and also made him discover loopholes in the financial institution's loan approval process.
00:06:24Afterwards, he began to exploit these loopholes for fraud.
00:06:27Zhou said that in the entire fraud chain,
00:06:31he was only responsible for the operation and coordination of the middle环节.
00:06:35The front end had dedicated people providing "debt carriers" like Ding Xiaomei,
00:06:39and all new cars obtained through fraud would be sold.
00:07:12When he went to visit, during his visit and investigation, he found
00:07:16that he was eating dinner, and his dinner was just
00:07:20a bowl of plain water noodles, with nothing else, no vegetables, not even salt.
00:07:23It was just a bowl of plain water noodles. Then we specifically asked
00:07:27him, "Why don't you put oil or salt in your noodles?"
00:07:31He said, "I don't have any at home."
00:07:34At first, old man Wang was completely bewildered by this unexpected loan.
00:07:38He couldn't figure out where the problem was.
00:07:41。
00:09:29Most 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,
00:09:33another main suspect in the case, Wu,
00:09:37entered the police's
00:09:38sight.
00:10:03Once these "white households" were found, they would be gathered in Chongqing and arranged to live together. Wu was responsible for managing
00:10:06these people, including their food and lodging, waiting for Zhou to come
00:10:10and select them.
00:10:27These carefully selected car buyers, most of them have low education levels,
00:10:31and some even have intellectual disabilities. Zhou
00:10:35forged their identities and income certificates, packaging them as high-quality customers
00:10:39with stable jobs. During the loan approval process,
00:10:43someone would accompany them and teach them in advance
00:10:46how to respond to phone calls from financial institutions. Once these "white households" passed
00:10:50the financial institution's review and loan approval, Zhou would take them
00:10:54to
00:12:25After 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.
00:12:52According to the regulations, after the new issuance, the original
00:13:25Generally, Zhou received 55% of
00:13:27the total amount.
00:13:32。
00:15:37Zhou, Wu, Chen, and 25 other people were sentenced to
00:15:41imprisonment ranging from 10 years to less than one year, and fined accordingly.
00:15:44As for the nominal car buyers like Ding Xiaomei and 18 others,
00:15:48even though they knew the gang was committing fraud, they still cooperated by signing
00:15:52and handling the procedures. They were also deemed co-conspirators in the case
00:15:56and are legally responsible for their criminal actions. However, for people like Grandpa Wang
00:15:59who were deceived and unaware of being nominal car buyers, the court ruled
00:16:03that they are not criminally liable.
00:16:07Today, our studio has invited Professor Zhang Ke from China University of Political Science and Law.
00:16:11Hello, Professor Zhang. Professor Zhang, we noticed that in this case,
00:16:15even though they were all nominal car buyers, some people were identified
00:16:19as accomplices in the fraud and had to bear criminal responsibility, while others did not
00:16:23bear criminal responsibility. Could you explain why there is such a difference?
00:16:26。
00:16:35There is no doubt about this. But our criminal law focuses
00:16:39on the unity of subjective and objective. In addition to the objective behavior,
00:16:43it is also necessary to determine whether the car buyer
00:16:47formed a common criminal intention with the criminal gang. In this
00:16:50case, car buyers are mainly divided into two types.
00:16:54The first type are active participants like Ding Xiaomei.
00:16:58They were involved in hotel arrangements, submitting ID cards and mobile phones,
00:17:01fabricating false professions, signing for car purchases, obtaining
00:17:05loans, and subsequent actions.
00:17:37Some even have intellectual disabilities, so throughout the process, they didn't
00:17:41know that their signature meant buying a car, nor did they know
00:17:45that they were burdened with loans. Many also did not participate in the subsequent
00:17:49division of spoils. For such people, we generally believe
00:17:53that they do not have a common criminal intention
00:17:56and should not be treated as accomplices in fraud. Hmm, Professor Zhang, we noticed
00:18:00that this criminal gang actually formed a complete chain. You see, finding people, defrauding loans,
00:18:04reselling, and even choosing some.
00:18:41There is a lack of substantive verification of their real occupation, real income, and repayment ability.
00:18:44。
00:18:50They fabricated statements and successfully dealt with our written review and
00:18:54phone interviews, easily deceiving the loan approval process. In
00:18:58the future, I think we still need to strengthen the substantive verification
00:19:02of loan qualifications. However, considering human
00:19:05resources are limited after all.
00:20:30A temporary greed can make ordinary people exchange their credit for money. This black industry
00:20:37can operate because it precisely exploits the weaknesses of some groups, who lack
00:20:41money, are ignorant of the law, and lack understanding of credit, tempting them step by step,
00:20:44and harvesting them precisely. Credit
00:20:48is everyone's.
00:20:55economic 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,
00:20:59getting money without signing, and not having to repay loans is essentially
00:21:03a financial trap. Upholding the legal bottom line and cherishing personal
00:21:07credit is the only way to truly protect your own life and stability.
00:21:10Okay, thank you for watching today's "Today's Legal Talk", and thank you to Professor Zhang for joining our
00:21:14discussion.
00:21:16Welcome to continue watching other programs on CCTV Comprehensive Channel.