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1996年8月,Z公司向江西省某城市信用社申请借款80万元,借款期限为1年。为保障实现自己债权,该城市信用社要求Z公司提供担保。Z公司以自己所有的两辆解放牌汽车作抵押后,尚有60万元的担保缺口。于是,Z公司的经理王某找到了在B公司任办公室主任的朋友于某,请于某帮忙说服B公司为Z公司的贷款提供担保,并对于某许以重谢。于某在利益的驱动下,利用自己掌握单位公章的便利,擅自在Z公司与某信用社的借款合同保证栏内盖了公章。事后,某城市信用社未对保证进行审核便发放了贷款。
In August 1996, Company Z applied for a loan of 800,000 yuan from a city credit cooperative in Jiangxi Province for a period of one year. In order to protect the realization of their own claims, the city credit cooperatives asked Z company to provide security. Z company with all its own liberation of two license vehicles for the mortgage, there are still 600,000 yuan security gap. As a result, Z company manager Wang found a friend in the office of the company B’s friend Yu, a help to persuade Company B to provide loans for the Z company to provide a guarantee, and for some thanks. In a drive by the interests of the use of their own units to take advantage of the official seal, without authorization in the Z company and a credit union loan guarantee contract stamped with official seal. Afterwards, a city credit union issued a loan without reviewing the guarantee.