Something happened to Qilu Bank.

Jinan found out that 6 billion forged certificates of deposit involved a number of banks, including Qilu Bank.

Han Tingting, Gong Li

With the deepening of the investigation, Qilu Bank Co., Ltd. (hereinafter referred to as "Qilu Bank"), which caused police intervention a few days ago, was involved in a high-value loan fraud case, and its risk traces had already appeared as early as the beginning of 20 10.

The 2009 Financial Statement and Audit Report of Qilu Bank Co., Ltd. (hereinafter referred to as the report) obtained by China Business News yesterday shows that there are many problems in the third-party deposit pledge business of Qilu Bank, such as the mismatch between the borrower's operating income and the loan scale, the legality of deposit pledge and so on. To this end, the Report shows "reservations".

The report was issued by PricewaterhouseCoopers Zhongtian Certified Public Accountants on April 20 10. Our reporter learned from insiders of Qilu Bank that because PricewaterhouseCoopers insisted on writing the above-mentioned "qualified opinions" into the audit report, Qilu Bank has changed the accounting firm responsible for auditing.

"An accident" has long been warned.

The above report is a comprehensive physical examination of Qilu Bank's related businesses in 2009, and the "qualified opinions" issued are directed at the bank's third-party deposit pledge business.

The report said: "Some loans and acceptance bills of your bank are pledged with RMB 4.8 billion deposits from third parties. The financial data of the above-mentioned business borrowers in 2008 obtained from independent sources show that their operating income cannot match the loan scale, and it is quite different from the information in your credit business system. "

"In addition, we have noticed that there are doubts about the legality of the deposit pledge provided by the guarantor." It is reported that.

"As of the audit report date (April 24, 20 10), our firm failed to obtain sufficient audit basis to prove the reasonable business relationship between the above borrowers and guarantors, the adequacy of the first repayment source of the above loans, the legality of the pledged loans (including consulting your external lawyers), and failed to implement other audit procedures to obtain sufficient and appropriate audit evidence."

Yesterday, the reporter contacted the accountant who signed the above report, and the other party declined to comment.

The amount involved is confusing.

Qilu Bank's "accident" began with a press conference held by Jinan police on February 24, 65438 last year.

Press conference information: February 6, 20 10, the Economic Investigation Detachment of Jinan Public Security Bureau received a report that a bank found that a depositor's Certificate of Deposit was forged during business consultation. After the case occurred, the bureau formed a task force to run the project and quickly took action to arrest the suspect Liu Moumou and other suspects.

This "Bank A" is actually Qilu Bank. Qiu, chairman of Qilu Bank, confirmed this to the media.

The above-mentioned insiders of Qilu Bank also told reporters that Qilu Bank has taken relevant measures to prevent unexpected situations such as bank runs.

But as of now, Qilu Bank's loss data is still unknown. The day before yesterday and yesterday, the reporter called the mobile phone and landline of Qilu Bank President Guo Tao continuously, but the landline was not answered, and the mobile phone was always temporarily disconnected. Although Qiu's phone can be connected, no one answers. The text message didn't reply.

Reporters got scattered information. The Qilu Bank case is related to the letter of credit, and 6 billion yuan was withdrawn overseas. But this has not been confirmed.

Relevant persons of Shandong Banking Regulatory Bureau told reporters yesterday that the case has entered the investigation stage of public security organs, and the specific information is subject to the release of public security departments.

The information from the press conference of Jinan Public Security Bureau said: "After preliminary investigation, the criminal suspect Liu Moumou defrauded funds many times by forging financial tickets and other means, involving some financial institutions and enterprises in our city, and his behavior disrupted the economic and financial order."

One of the most important messages is that "some financial institutions in our city are involved", which means that more than one bank is involved.

A related person from Shandong Branch of China Industrial and Commercial Bank told reporters yesterday that after the Qilu Bank case, the regulatory authorities issued a self-inspection notice to various financial departments around the middle of May 438+February last year. After self-examination, ICBC found no problems. This conclusion has been recognized by the regulatory authorities and public security departments.

This person said that other banks involved basically have business dealings with Qilu Bank. But there is no authoritative information about what it is.

In response to recent media reports that "some banks in Jinan City, Shandong Province were involved in a case of forging financial tickets", the CBRC recently said that at present, the local public security organs are investigating the case in an orderly manner, and the regulatory authorities and relevant banks are actively cooperating with the public security departments to detect the case. At present, the relevant local banks are operating normally, and all regulatory indicators meet the regulatory requirements.

Qilu Bank near Coke.

Because there was a lot of talk about Qilu Bank's "accident", on the afternoon of February 29, 65438 last year, the Jinan Municipal Government held a New Year's symposium for the president of the bank in Shungeng Mountain Villa, Jinan, and Qiu He appeared at the same time.

In addition, Wang Renyuan, member of the Standing Committee of Shandong Provincial Party Committee and executive vice governor, visited Jinan Jing Shun Branch of Qilu Bank on June 5438+February 3/KLOC-0 last year. Wang Renyuan fully affirmed Qilu Bank's contribution to the province's economic development in recent years, and asked Qilu Bank to strictly control risks, develop steadily and achieve new success.

Qilu Bank also announced its performance last year through local media. Jinan Daily recently reported that Qilu Bank predicted that the total assets of the whole bank would reach 80 billion yuan by the end of 20 10, an increase of 29.47% over the previous year. Operating profit reached more than 65.438+35 billion yuan, an increase of 27% over the previous year.

Local financial circles analyzed the reporter, and the above actions showed Shandong's intention to maintain financial stability.

Qilu Bank is the first city commercial bank established in Shandong, the first city commercial bank to cooperate strategically with foreign banks, and the first city commercial bank to operate across provinces in Shandong.

1 June 1996, Jinan City Commercial Bank was established on the basis of Jinan City 16 Urban Credit Cooperative and1Urban Credit Cooperative. In June 2009, it was renamed Qilu Bank. Among them, the foreign shareholder Commonwealth Bank of Australia holds 20%.

Yesterday, a related person from the Commonwealth Bank of Australia Beijing Representative Office told reporters that he had been informed of the relevant situation of Qilu Bank, but the specific amount involved and the institutions involved were still unclear.

He also said that this incident did not have much impact on the cooperative relationship between the two sides. However, as the largest single shareholder of Qilu Bank, Qilu Bank will pay more attention to its risk control construction in the future.