Unplanned exit audit of regional branch of one of divisionsNikolaevthe credit union which was carried out according to the court resolution, illegal payments of money in type of loan, for the sum about 1,4 million UAH and shortage of money in the sum of 13,4 thousand UAH were established. These financial violations were made for 2007-2008. About it reports a press - service CREWE in the Nikolaev area.
The specified branch of the credit union was created for the purpose of satisfaction of requirements for crediting and providing financial services to them, his members who live in a distance from the main office.
Under the labor agreement of clients served two persons: the director and the accountant who passed the corresponding training and with whom agreements on a full liability were concluded.
High rates on deposits, possibility of fast registration of the credits, attentiveness and a correctness of employees caused trust in country people. Revenues to deposit accounts increased.
Branch I worked steadily. Investors from the additional income rejoiced, the management of the credit union was satisfied also. It would seem that "life was successful": the equipped office, sufficient salary, authority and respect of people.
However, as audit showed, the financial discipline, those officials who had the right for carrying out financial operations and signed documents, adhered only the first half a year.
And then, as they say, vulgarly, went. Studying of credit agreements showed that against operations on the credits there was a citizen of "M" who acted as the guarantor on repayment of a bigger share of the credits and with the assistance of whom the relevant documents were processed to false natural persons for receiving the credits.
The temptation of fast enrichment eclipsed eyes to employees of the union and their accomplice.Owing to inexperience and because of legislation ignorance they didn't consider real possibility of disclosure of fraud by an elementary way - through tax authorities in which information on the income of citizens accumulates.
The final decision on these frauds will be passed by court, but the sum of the illegal credits everything is it is necessary to return.
Generally, according to this scheme 162 credits on which for the period of audit there was a debt for total amount about 1,4 million UAHwere given out