Through recent hot events, we can see the harm of the "Carrot Chapter". Contract Lock helps you prevent it in advance

A group's illegal fundraising of 12 billion yuan

In 2017, personnel of a certain group and employees of a bank branch privately carved seals and forged bank issued“ Guarantee Letter; Provided counter guarantee for a certain property insurance company and issued 1.146 billion yuan of bonds that could not be redeemed; After investigation, it was found that a total of 13 banks, financial institutions, and channel institutions were affected; Fake letter of guarantee; Fraudulent investment with a capital scale of 12 billion yuan, involving a large amount of money and multiple institutions. Finally, the China Securities Regulatory Commission imposed a fine of 700 million yuan on the involved bank.

☑ Routine:Internal bank employees collude with group employees to impersonate the name of the bank and forge fake official seals; Guarantee Documents; Deceiving investors' trust.

☑ Harm: It is difficult to verify whether employees have been authorized by the bank and whether their seals are genuine, which can lead to denials when problems are exposed; In addition, there are loopholes in the control of bank office space that may be exploited at any time, and the responsibility for problems is high, facing huge fines.

☑ Prevention:

· What if there is a problem of mutual blame and denial, and it is impossible to determine responsibility? 2018

A well-known car company's 1.1 billion yuan advertising eventFalsifying the seals of car companies and conducting advertising and promotional cooperation with more than 30 advertising suppliers in the name of car companies. The advertising company has advanced a total amount of 1.1 billion yuan in advertising expenses.

☑ Routine:Impersonate the internal management of the company, use forged seals to impersonate and negotiate cooperation and sign contracts with advertising suppliers.

☑ Harm: The identity of the contact person is solely based on verbal statements and cannot be verified with the car company in a timely manner.Not only do the cooperating advertising suppliers face breach of contract losses, but they also face operational difficulties due to overdue funds, and car companies are also implicated and their reputation is damaged.

☑ Prevention:

· How to identify impersonating employees and signing contracts under the company's banner? View Plan 

☑ Routine:Falsify third-party company seals, fabricate transaction vouchers, and gain investment trust.

☑ Harm:Financing through accounts receivable is a very common way of raising funds, but in the investment process, it is important to“ Accounts receivable documents; The authenticity cannot be verified, and the offline investigation process has a lag, making it easy to be deceived by fake seals and documents. A large amount of funds are difficult to recover, and the company's operations are in a red light.

☑ Prevention:

· How do listed companies comply with regulations and use seals safely? View Plan 

· Is it difficult for management to detect employees' private engraving and stamping?   Vice President of a bank privately carved seals to defraud multiple banks of 4.3 billion yuan

In 2018, Vice President Ni of a bank branch took advantage of his position to privately carve seals, impersonate responsible persons, and engage in a series of operations, defrauding multiple banks of over 4.3 billion yuan and making personal profits of 1.1 billion yuan.

☑ Routine: Employees use their positions to fabricate business documents in the name of the company, using fake seals to discount and defraud investment funds.

☑ Harm: It is difficult to avoid behaviors such as unauthorized seal engraving and signing contracts in the name of the company, which not only cause huge losses to multiple banks, but also have strict audit requirements as financial institutions within the bank, and may face punishment due to regulatory loopholes.

☑ Prevention:

· What should be done if an employee privately stamps and the management cannot detect it in a timely manner? View Plan

· Our company seal has been forged, do we need to take responsibility? View Answer

A trust's 500 million yuan trust loan cannot be recovered

In 2018, a trust signed a "Supplementary Agreement to the Trust Loan Contract" with A Airlines, while B Company signed a "Guarantee Contract" with the trust, covering the debts under the loan contract and supplementary agreement. At the same time, C Group provided joint and several liability guarantee in the form of a "Guarantee Letter". In 2019, the loan was overdue and C Group, which provided the guarantee, denied ever affixing its official seal on the "Guarantee Letter". After comparison, it was found that the Qiulin Group seal on the "Guarantee Letter" was forged, and the trust company's 500 million yuan loan could not be recovered.

☑ Routine:Illegally carving seals, forging guarantee letters for illegal fundraising.

☑ Harm:Financing guarantee is one of the important links in the loan financing process, and only a "guarantee letter" stamped by a third-party company is needed to smoothly obtain the loan. The phenomenon of borrowing with fake seals and forged guarantee letters is frequent, making it difficult to verify in a timely manner, resulting in difficulty in recovering loans and significant losses.

☑ Prevention:

· What are the common issues with seals? How to prevent it? View Plan

2019

Luo cashed out 30 billion yuan with two carrot stamps

In 2019, Company A entrusted financial institutions to issue private equity products to provide a supply chain loan of 3.4 billion yuan to Company B. It was confirmed that Company B was not aware of or had never participated in the contract signing, and the contract and documents were forged by Company A. According to the first and second instance judgment documents, Luo et al. used various means such as privately engraving the seals of companies B and C, sending people to impersonate employees of companies B and C, intercepting confirmation letters sent by financial institutions to companies B and C, and defrauding multiple financial institutions of more than 30 billion yuan in the process of fictitious accounts receivable debt financing, resulting in actual losses of more than 8.8 billion yuan.

☑ Routine:Falsifying business contracts with third-party companies through fake seals; Deceiving trust through false identities, fake seals, real offices, and signing false contracts; The interception confirmation letter for express delivery requires a stamped reply letter.

☑ Harm:Decrease vigilance through acquaintances and personal relationships; Using fake seals and identities to forge a bunch of fake materials, as well as forging conference room, supplier system data, and response materials, is a series of operations that are difficult for manual due diligence to detect in a timely manner. This not only causes huge losses to financial institutions, but also implicates companies that have been impersonated.

☑ Prevention:

· Our company seal has been forged, do we need to take responsibility? View answers

· What are the common issues with seals? How to prevent it? View Plan

A well-known chili sauce brand and a certain group had a 16.4 million yuan advertising dispute

In 2019, three people claimed to be the marketing department managers of a well-known chili sauce brand company (referred to as Company A) and signed a promotional contract with a certain group company (referred to as Company B). In July 2020, Company B, which was responsible for advertising, sued Company A for owing advertising fees and applied for the freezing of A's assets worth 16.2406 million yuan. After investigation, it was found that three individuals forged the official seal of Company A and impersonated the marketing manager of Company A to sign a series of cooperation agreements with Company B in order to obtain gift box codes up to October 2019.

☑ Routine: Pretending to be a company employee and signing agreements with fake seals for business transactions.

☑ Harm: The identity is solely based on verbal description, and verification is not timely and troublesome. The seal used to sign the contract has no channel to determine its authenticity in a timely manner. Once the problem erupts, not only can the responsible person not be found, but the reputation of the involved company will also be affected, and there will be lengthy legal disputes and advertising losses that are difficult to recover.

☑ Prevention:

· How to identify impersonating employees and signing contracts under false identities? View Plan 

· If there is a dispute, can the court accept the electronic signature materials? View plan