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00:00:40The special elderly, inexplicably paid 200,000 yuan in loans.
00:01:30Old man Wang, he is a local special difficult single person, without children,
00:01:33lost the ability to work, relying on a few hundred yuan low guarantee to maintain a living every
00:01:37month. He is usually very frugal, and his life is very tight.
00:01:41But a few years ago, a series of debt collection calls
00:01:45and loan text messages kept coming to him.
00:01:48He didn't even know what kind of loan he took.
00:01:52。
00:01:56When it came to his mobile phone, he only knew about it. He.
00:02:51An elderly person in extreme poverty who never left his house, inexplicably burdened with more than 200,000 yuan in debt.
00:02:55He neither actively applied for a loan nor spent a penny.
00:02:58This loan.
00:05:12Through investigation, it was found that Ding Xiaomei, 53 years old, is a local in Wanzhou, Chongqing.
00:05:16She usually runs a small mahjong parlor on the street.
00:05:20We found that she is just a kind of boss
00:05:24of a small mahjong parlor on the street in Wanzhou, Chongqing.
00:05:27She's just a small mahjong parlor
00:05:30owner.
00:05:34Not matching. The police investigation found that Ding Xiaomei had neither a stable
00:05:37job nor a fixed income, and was completely unqualified to apply for a car loan
00:05:41and long-term repayment.
00:05:44What surprised the police even more was that Ding Xiaomei also bought cars at other
00:05:484S stores in other places.
00:05:49。
00:05:53A design store in Chongqing also purchased a CT5 sedan,
00:05:57which should be worth more than 200,000 yuan. The police
00:06:01immediately went to this brand 4S store in Chongqing to investigate and verify,
00:06:05and found that the store's salesperson had not yet detected the problem. According to
00:06:08the person in charge of this car 4S store in Chongqing, Ding Xiaomei
00:06:12visited the store to look at cars accompanied by two men. They quickly decided on
00:06:16a sedan worth 200 million yuan, and chose to purchase the car
00:06:20by means of a loan. This loan was approved very smoothly.
00:06:24On the same day of the initial procedure, Ding Xiaomei and the two men who accompanied her
00:06:27picked up the car together.
00:06:29。
00:06:37Within just half a month, Ding Xiaomei traveled between two places and consecutively took out loans
00:06:40to purchase two high-end cars.
00:08:12The car loan fraud, as discussed today, is currently
00:08:16being investigated. The special task force
00:08:19first investigated Ding Xiaomei's car purchase funds, and quickly
00:08:23found a discrepancy. The down payments for both of her cars came from the account
00:08:27of the same man surnamed Zhou, and Zhou and Ding Xiaomei
00:08:31were not related by blood or marriage, and had no connection
00:08:34in their lives.
00:08:37It was found that
00:08:38.
00:12:56After being arrested, Zhou admitted everything. He said that the idea of this
00:13:00fraudulent way of making money was purely coincidental. Zhou had previously been engaged
00:13:03in the automotive sales industry for a long time, and was very familiar with the entire process of car loan approval
00:13:07and vehicle registration. One accidental mistake
00:13:11allowed him to obtain a car purchase loan, and also made him discover a loophole
00:13:15in the financial institution's loan approval process. After that, he began to use
00:13:18this loophole to commit fraud. Zhou said that
00:13:22in the entire fraud chain, he himself was actually
00:13:55The extremely poor household, Old Man Wang, who lives in Xichong County, mentioned at the beginning of the program,
00:13:58attracted the special attention of the public security police. His life was
00:14:02very difficult. When we went to his home to visit
00:14:06and investigate, we found him eating
00:14:10dinner. His dinner was a bowl of plain
00:14:13noodles, with nothing else, not even vegetables, not even salt, just
00:14:17a bowl of plain noodles. Then we specifically asked him, why don't you
00:14:21put oil or salt in your noodles? He said he didn't have any at home.
00:14:26At first, Old Man Wang was completely confused by this loan that appeared out of nowhere,
00:14:30and couldn't figure out where the problem was.
00:17:43Once these "white households" pass the financial institution's review and loan approval, Zhou will take them to the
00:17:474S store to pick up the car, and pay for the down payment.
00:17:51However, when the police investigated the source of Zhou's down payment, they found
00:17:55that the actual owner of these funds was someone else.
00:17:58。
00:19:07However, how was the car, which should have been mortgaged, sold and transferred
00:19:11without the mortgage being cancelled? He's on the upper house
00:19:15,
00:19:19The 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.
00:21:20the big book with his, we can see very clearly that his
00:21:24font and his watermark are
00:21:27completely different. At this time, the 4S stores realized they had been defrauded
00:21:31and reported the cases one after another. And in the entire case, most of the "borrowed" individuals who were taken advantage of
00:21:35were largely ignorant of the law, had limited understanding, and for a mere
00:21:3910,000 to 30,000 yuan in benefits, were burdened with debts they could not repay,
00:21:42and faced prosecution, debt collection, loss of credit,
00:21:46and lifetime restrictions. Later, the special team.
00:22:20After the first and second trials of this case, on January 16, 2026,
00:22:23the Guang'an Intermediate People's Court of Sichuan Province made its final judgment.
00:22:27For loan fraud, Zhou, Wu, Chen, and 25 others
00:22:31were sentenced to fixed-term imprisonment ranging from 10 years to one year,
00:22:35and fined accordingly. As for Ding Xiaomei
00:22:39and 18 others who were nominal car buyers, they also knew
00:22:42that the gang was engaged in fraud, but still cooperated by signing and handling the initial procedures. They were also
00:22:46determined to be co-conspirators in the case, and shall bear corresponding legal responsibilities.
00:23:20In this case, we will find that the nominal car buyers
00:23:24actually objectively carried out such an act of assisting in the fraud.
00:23:27There is no doubt about this. However, our criminal law emphasizes
00:23:31the unity of subjective and objective aspects. In addition to objective behavior,
00:23:35it is also necessary to determine whether the car buyers and the criminal
00:23:39gang formed a common criminal intent. In this case,
00:23:43car 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 。
00:23:52They have a relatively clear understanding of the travel arrangements, appeals, handing over ID cards and mobile phones, fabricating false occupations,
00:23:56signing car purchases, obtaining loans, and including the subsequent sharing
00:24:00of profits, and show a positive
00:24:04cooperative attitude. It should be determined that they and the criminal gang constitute
00:24:08a common criminal intent and should be punished
00:24:11as accomplices in fraud. The other type of
00:24:15car buyer is like Old Man Wang, who was taken advantage of.
00:24:19。
00:25:48The 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.
00:26:33As the interested party and financial institution,
00:26:36neither knew that the old book had lost its legal validity. The criminal
00:26:40gang was able to succeed precisely because of this reason.
00:26:44In the future, I think we still need to optimize our
00:26:48process of reissuing lost certificates, for example, by designing
00:26:51some compulsory notification procedures for interested parties, and even promoting
00:26:55the digitization of certificates, to allow 4S stores and financial institutions
00:26:59to conduct online real-time verification.
00:27:11A moment of greed can make ordinary people exchange their lifetime credit for tens of thousands of yuan. The reason why this dark industrial chain
00:27:14can operate is precisely because it precisely exploits the weaknesses of some groups
00:27:18who lack money, do not understand the law, and lack awareness of credit,
00:27:22luring them step by step and precisely harvesting them.
00:27:26Credit is everyone's economic identity card, directly affecting
00:27:29loans, travel, employment,
00:27:43Only by cherishing personal credit can we truly protect our
00:27:47lives and safety. Thank you for watching today's "Today's Legal Talk",
00:27:51and thank you, Teacher Zhang, for participating in our discussion. Welcome
00:27:54to continue to pay attention to other content broadcast on CCTV Comprehensive Channel. Goodbye.
00:27:58。
00:31:38Good evening, everyone. Good evening. Today is Thursday, August 6th,
00:31:42the 24th day of the sixth lunar month. Welcome to watch the News Broadcast program.
00:31:46First, let me introduce today's program's main content. Since the beginning of this
00:31:50year, President Xi Jinping, with the broad vision of a great party and a great nation leader,
00:31:53and a global perspective, has actively engaged in head-of-state diplomacy, leading
00:31:57China to shoulder the responsibility of seeking peace, promoting development,
00:32:01facilitating cooperation, and upholding justice in this era.