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案情1998年,宋道均与孙维良所办工厂因经营不善而解散,经协商,欠孙让贤的二万元由宋道均负责偿还。因为宋道均无力还款,孙维良即与宋道均协商后决定到石门中心信用社所辖的新梓信用站贷款,以偿还孙让贤的欠款。孙维良遂于1999年2月1日以宋道均名义写申请贷款二万元作办厂资金的报告,经审批后,新梓信用站负责人周志求为宋道均办理了贷款手续,贷款利率为一分八厘三,期限自1999年3月1日至1999年11月30日止,宋道均在借据上签署了自己的姓名,并加盖了私章。但宋道均并未实际取走该笔贷款,而是要求新梓信用站以孙让贤的名字开具一张一年期的定期存单(存款利率九厘一五,存期自1999年3月1日至2000年3月2日),新梓信用社的周志求对此没有提出异议。之后,孙维良将该存单作为宋道均偿还孙让贤的欠款交给了孙让贤。2000年3月2日,该存单到期,孙让贤委托儿子孙祥斌持存单去支取本息。新梓信用社在征得孙祥斌的同意后,将本金二万元及利息二千一百九十六元转存为三年期定期存
Case In 1998, both Song Daomun and Sun Weiliang’s factories were dissolved due to poor management. After consultation, 20,000 yuan owed to Sun Yat-sen was paid by Song Tao. Because Song Road are unable to repay, Sun Weiliang that is, after consultation with the Song Daodong have decided to Shimen Central Credit Union under the jurisdiction of the new Zi Credit Station loans to repay Sun Yunian’s debt. On February 1, 1999, Sun Weiliang wrote a report on applying for a loan of 20,000 yuan for setting up factories in the name of Song Daodun. After approval, Zhou Zhili, director of Xinzi Credit Station, handled the loan procedures for Song Daojun at a loan interest rate of 1: Third, the deadline from March 1, 1999 to November 30, 1999 only, Song Dao both signed his own name, and stamped with a private seal. However, Song Daodong did not actually take the loan. Instead, he asked Xinzi Credit Station to issue a one-year certificate of deposit in the name of Sun Ruanxian (deposit rate of 9% to 5% for deposit period from March 1, 1999 to March 2, 2000), Zhou Xin Zhixin Credit Union did not raise objections. Later, Sun Weiliang deposited the deposit slip with Sun Juxian as Song Daojun paid Sun Yunxian. March 2, 2000, the certificate of deposit expires, Sun Yunxian entrusted his son Sun Xiangbin holding a single to withdraw principal and interest. Xinzixin Credit Cooperative, with the consent of Sun Xiangbin, transferred the principal amount of 20,000 yuan and the interest rate of 1,919 yuan into a three-year fixed deposit