On the afternoon of September 10, in the bureau chief's office, Zheng Wanjiang was talking to Ma Yongsheng about Wu Haitao's case. Judging from the current situation, Wu Haitao's peeping into taking loans from various banks is no longer a matter of one or two days, but has been premeditated for a long time. He did not hesitate to spend a lot of money to bribe the relevant staff of the bank in order to obtain more bank loans. At present, Wu Haitao not only has a huge loan of 230 million yuan from the Agricultural Bank of China, but also has obtained a loan of 80 million yuan from the Industrial and Commercial Bank of China in the form of a mortgage loan with a fake identity card, and has a loan of 40 million yuan from other financial institutions.

Regarding the mortgage loan, according to the relevant industry insiders, according to the normal procedure, the domestic commercial banks must go through the following steps to issue personal housing mortgage loans: first: the buyer and the real estate developer sign the commercial housing sales contract, and pay a certain percentage of the down payment, the real estate developer to the buyer to issue an invoice, indicating that the down payment has been paid, and then apply for a mortgage loan at the bank; 2. The buyer takes his ID card, purchase contract, down payment certificate and income certificate, and issues a legal opinion after being reviewed by the law firm formulated by the bank, which has proved its authenticity; 3. The bank can only issue a housing mortgage loan to the buyer after reviewing these necessary materials and investigating that the mortgage loan conditions are met. In order to avoid the loss of funds, the mortgage loan procedures are extremely strict and have a complete set of operating schedules.

People who have used a mortgage loan to buy a house know that the loan is actually transferred directly from the bank to the account of the real estate developer, so the developer gets all the purchase money, and the buyer uses the property as collateral to form a loan relationship with the bank, and the principal and interest of the loan are repaid according to the regulations, and the developer delivers the housing on schedule, and the three are a kind of mutual cooperative relationship, if the developer does not fulfill his promise to pay the housing on time, the lender and the bank form a risk, that is, the borrower can not get the house. The bank loan cannot be recovered.

Facts have proved that every step of Yahua Apartment's mortgage loan process at ICBC is under the control of Wu Haitao, the devil. He only unilaterally approached the bank in order to defraud the bank of loans. First of all, Wu Haitao fictionalized non-existent home buyers. Fabricating false sales facts. From the buyer's ID card and sales contract to the down payment certificate and income certificate, these are all forged, because the land purchased by Wu Haitao is a prosperous area of the development zone, which has a certain value, and it is extremely difficult to arouse anyone's suspicion. I couldn't have imagined that he would use this piece of land as a cover and subcontract the project. They paid the advance investment, the project went smoothly, no one expected that he would use a fake ID card to defraud the bank of a huge loan, such a large-scale fraud, it can be seen that Wu Haitao's intentions are good.

At the second level, the law firm failed to abide by its duty of credit review, issued a false legal opinion, deceived the trust of the bank's loan officers, and paved the way for Wu Haitao to get a loan.

At the last hurdle, the people who held the real power within the Industrial and Commercial Bank of China echoed one after another. That is, Xu Changwei, the vice president of the bank, colluded with Wu Haitao to make suggestions and suggestions in order to get loans, and did not hesitate to betray the interests of the state, and there was no obstacle to the loan review, so that Wu Haitao could successfully defraud the loan, which was a serial crime and jointly defrauded the bank loan.

A complete scheme of fraudulent loans consisted of a tripartite conspiracy, i.e. the main culprit was Wu Haitao, a real estate developer, a law firm and a person within the bank. Such. As a result, the bank's loan formed a huge risk, and once Wu Haitao transferred all the funds out of the country, the consequences would be unimaginable, and the bank's loan would be in vain. Since the mortgage loan procedure is fake. No one repaid the loan on a monthly basis, because all the funds had been transferred to Wu Haitao's name, and once the matter was exposed, ICBC's loan risk immediately became a reality.

"Ma Bureau, we have done a thorough investigation into the mortgage loan of Yahua Apartment, and after investigation, the entire mortgage loan procedures are all forged. There are a total of 186 households, and the amount involved is 80 million yuan. In addition to the $6 million for the purchase of land and the payment for the construction team, $74 million is still missing. Zheng Wanjiang said.

"It seems that the development of the case is getting more and more serious, Wu Haitao has defrauded a huge amount of money from various banks, and he does not hesitate to kill people many times in order to conceal the truth, which has constituted a serious crime, how is Wu Haitao now?" Ma Yongsheng asked.

"The day before yesterday, he approached the Public Security Bureau and asked that Yuan Lina's body be cremated and buried in his family's cemetery. He is at home for a funeral today. The matter has been investigated clearly, but it has not alarmed him yet, and we agreed to his request, otherwise it would not be a matter for Yuan Lina's body to always be left like this. Zheng Wanjiang replied.

"Through the investigation of neighbors and relevant personnel, Sun Yaozhang and Huang Limei have found conclusive evidence that Wu Haitao murdered Yuan Lina, and he is still under our close surveillance, and now the evidence is conclusive. He has been out of danger these days, and has escaped the sight of the surveillance personnel several times, especially last night and suddenly lost control, and reappeared this morning, this is not a normal phenomenon, I conclude that he is stepping up his activities, he already knows that the passport has been issued, my opinion can not wait any longer, he should be arrested immediately according to the law, in order to prevent him from leaving the country and absconding. Zheng Wanjiang said.

"After the evidence is conclusive, I think the arrest can be carried out. Prevent extraneous branches. He and the people behind him are not simple characters, they have great insight and analytical skills, and if they are not careful, accidents will happen, which we have to consider. Ma Yongsheng said.

"Now the situation is extremely critical, this guy is scheming, has an extraordinary IQ, plus Zou Qionghua and Hu Zhiguo give him advice, they all have a certain amount of activity energy, we must take action immediately, so as not to have too many dreams at night." Zheng Wanjiang said.

Ma Yongsheng dialed the special line of Xiao Zili of the city bureau, made an urgent report on the situation, and suggested that Wu Haitao be arrested, because he is a well-known entrepreneur in the city and county, and the arrest of him must go through the city and county leaders, Xiao Zili carefully inquired about the relevant circumstances, and told Ma Yongsheng to wait for his call, he had certain concerns in his heart, Wu Haitao was an influential figure, and if he didn't get it, he would involve a group of people, and facts proved that his case had involved the leading cadres of the municipal party committee, and they wanted to protect themselves. At all costs, all kinds of means were taken to protect Wu Haitao, their methods of crime were cruel, there was a certain background behind them, their power was immeasurable, and the difficulty in the future can be imagined.

Ma Yongsheng understood his feelings at this time, but the situation was getting more and more serious. Time waits for no one, once Wu Haitao leaves the country or encounters danger, the consequences are unimaginable.

An hour and a half later, Ma Yongsheng received a call from Xiao Zili. agreed with Ma Yongsheng's opinion and immediately arrested Wu Haitao. Ma Yongsheng issued a detention warrant and ordered the criminal police brigade to immediately take action to arrest Wu Haitao, and at the same time reported the situation to the county party committee.

Zheng Wanjiang was very happy to hear this, and finally waited for this day. Thinking of his mother's innocent death, several people were killed one after another, which has a great relationship with Wu Haitao, the fog of catching him is about to be revealed, thinking of this, his mood is extremely nervous, he ordered the action team to monitor Wu Haitao to act immediately to arrest Wu Haitao, he must be caught alive, Wu Haitao will not be easy to comply, this is clear in his heart. At the same time, he ordered Sun Yaozhang to go forward immediately to answer, and there could be no problems at this time.

Wu Haitao defrauded a large number of loans by means of huge bribes, and the reason why he succeeded again and again was that some people did everything to thread the needle for him after receiving his benefits. There are also some big people acting as his umbrella behind his back, and the killing of He Jinqiang was the fuse of this big case.

After the case was discovered, some people were involved, Hu Zhiguo was the first, and later Zou Qionghua and these people were exposed accordingly, in order to cover up their criminal acts. The case is further complicated by the creation of incidents and the use of brutal murder methods. Judging from the materials provided by Wu Miaoshui, 24 leading cadres are suspected in this case. Among them are retired leading cadres at the department level.

Shi Binyi, the former deputy director of the county people's congress, accepted bribes of 500,000 yuan at a time when he sold land in the development zone, and Zou Qionghua, the deputy mayor, successfully defrauded Wu Haitao of loans. Severely cracking down on these ** elements, Zheng Wanjiang expressed his opinions and ideas.

"I have read the list of these people, the number of people, the number is huge, it is shocking, Wu Haitao's case has indeed ruined some people, my heart is very sad, but personal feelings can not replace the national law, I agree with your opinion, the county party committee attaches great importance to this matter, and requires the procuratorate to break through many obstacles at all costs, step up the investigation and evidence collection work, bring these moths to justice, and purify the economic environment of our county." Ma Yongsheng said.

"In this way, many cadres will be planted in Wu Haitao's hands and hit by his sugar-coated shells, what a sad thing." Zheng Wanjiang said. He was very sad when he thought of the outcome of the case, no one could save them, and the price they paid was too great.

In the afternoon, Wu Haitao held a funeral for Yuan Lina according to local customs, the scene was extremely spectacular, the funeral procession was vast, attracting the attention of many passers-by, secretly praising that this is a rich man, and not an ordinary person, with a certain amount of power, otherwise he would not be able to hold such a grand funeral. After Yuan Lina's coffin was buried, the grief-stricken Wu Hao was handed over to her sister Wu Shuzhen to take care of. told the family that he was going to stay with Yuan Lina for a while, she left like this, very sad in her heart, and said a final goodbye to her, told her the truth, gave her a ride, and let her soul go safely, so that he would not be looked down upon over there, saying that he was an ungrateful person.

Wu Haitao asked everyone else to go back, and the people who came to Yuan Lina's funeral understood Wu Haitao's mood at this time, which was a major blow to him, and the husband and wife for many years broke up like this, making it difficult for anyone to accept it for a while, but people can't be resurrected after death, and they can't be used to destroy the living people, they have come to persuade him, think about it, don't be too sad, he is the pillar of the family, he can't be dragged along, and everything in the family will have to rely on him in the future.

Wu Haitao didn't listen to a word, and insisted on sitting alone for a while and quietly accompanying Lina, so that his heart would feel better, and he didn't want anyone to accompany him. At the same time, let the driver go back first, he will drive back himself, people know his temper, say nothing, can't resist him, have to say some words of comfort and go back.

This cemetery was bought by Wu Haitao for 50,000 yuan, which is the land of Wu Haitao's hometown, where Wu Haitao's father and the deceased of the previous family are buried, and under the old man's grave is Yuan Lina's coffin. Watching the funeral crowd leave, Wu Haitao returned to Yuan Lina's tomb, his mood was not calm for a long time, looking at the bare grave, thinking of his wife's kindness to him, he couldn't help but feel a lot of emotion, and tears couldn't help but flow. He stood silently in front of Yuan Lina's grave, his mood was very complicated, he had lived together with her husband and wife for nearly 20 years, he didn't expect it to be such an ending, and he felt very sad when he thought of his daughter.

What did he do this for, in the end it was not such a result, his conscience made him regret it more and more, he shouldn't have done this, he was so sorry for her, Yuan Lina gave him everything she had. In the end, he killed her instead, and died in such an unknown way, his conscience was disturbed. But there is no way to do it, things have driven him to a dead end, and he has to do it. Who let her not listen to her own words, reluctant to the position of deputy county magistrate, unwilling to accompany the child abroad, if she agreed to go abroad with the child, it would not end up like this, his plan can be completely realized, maybe he has arrived abroad safely at this time, there is no sorrow and trouble at this time, and she can still live happily.

Can't blame him for being ruthless and not thinking about the love of husband and wife, this is also a last resort, otherwise he will die, this is also for her and the child, in order to live a quiet life in the future, he had to take risks, but he didn't expect it to be such an ending. Zheng Wanjiang's appearance disrupted all his plans, and stared at him like a fly, and he had to kill the killer, otherwise his dream would be shattered. If you don't get a penny, you will die without a place to be buried.

In the future, I will definitely pay tribute to her to redeem my conscience. "Lina, you can go with confidence, I will definitely take care of the children and family, and I will come to see you at this time of year in the future, and send you more money, with money, you will not be wronged over there, in order to complete your great cause, you will forgive me." Wu Haitao thought in his heart. (To be continued.) )