############ \u003cdiv class="rich_media_content"\u003e\u003cp style="margin-bottom: 0px; margin-left: 8px; margin-right: 8px; margin-top: 0px; padding: 0px; text-align: start; text-indent: 0px"\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e记者/ 纪佳文\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style="margin-bottom: 0px; margin-left: 8px; margin-right: 8px; margin-top: 0px; padding: 0px; text-align: start; text-indent: 0px"\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e编辑/ 石爱华\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003cp style="margin-bottom: 0px; margin-left: 8px; margin-right: 8px; margin-top: 0px; padding: 0px; text-align: start; text-indent: 0px"\u003e\u003c/p\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px; max-width: 100%; outline: 0px; padding: 0px; text-align: center; text-decoration: none; text-transform: none; visibility: visible; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="image-box"\u003e\u003c!--IMG_0--\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px; max-width: 100%; outline: 0px; padding: 0px; text-align: start; text-decoration: none; text-indent: 0px; text-transform: none; visibility: visible; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp class="qqnews_image_desc" style="color: #666; font-size: 14px; text-align: center"\u003e厦门二手房交易骗局中，一位受害人出售的房屋\u003c/p\u003e\u003cp\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; visibility: visible; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e\u003c!--AIPOS_0--\u003e2024年11月28日，厦门市中级人民法院开庭宣判了一起二手房合同诈骗案的判决结果。一场“空手套白狼”的“炒房骗局”就此告终。\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e\u003c!--AIPOS_1--\u003e去年2月，北青深一度报道了该案。被告人赖日华以“炒房”为名，于2021年7月至2022年8月间，勾结银行工作人员刘璟、沈文钦，对业主谎称过户后申请银行住房贷款支付尾款，骗取他人向其出售房产共53套。\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e案发时，其中26套房产的尾款仍未付清，涉及金额近1.4亿。警方调查发现，这起金额上亿的“炒房”骗局，启动资金只有借来的100万。\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e\u003c!--AIPOS_2--\u003e法院最终认定，被告人赖日华犯合同诈骗罪，判处无期徒刑；被告人刘璟、沈文钦作为银行职员，身份特殊，帮助主犯骗取了被害人的信任，是诈骗顺利进行的重要因素，构成合同诈骗罪，分别判处有期徒刑十年、五年；涉案未结清尾款的26套房产和3个车位，依法返还原业主。【往期报道：\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e\u003c!--LINK_0--\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e \u003c/span\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e】\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px; max-width: 100%; outline: 0px; padding: 0px; text-align: center; text-decoration: none; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="image-box"\u003e\u003c!--IMG_1--\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp class="qqnews_image_desc" style="color: #666; font-size: 14px; text-align: center"\u003e厦门二手房骗局的主犯赖日华\u003c/p\u003e\u003cp\u003e\u003cspan style="letter-spacing: 0.544px"\u003e\u003cspan style="font-size: 16px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(217, 63, 63)"\u003e\u003cspan style="background-color: rgb(255, 255, 255)"\u003e主犯无期\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e听到涉案房产会返还给原业主，陈文迪松了口气，案发至今两年多，他和妻子的顾虑总算暂时消散。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e2024年11月28日，厦门市二手房合同诈骗案在厦门市中级人民法院开庭宣判，能不能拿回房子，是被害人最关心的问题，“我们自始至终，最主要的两个诉求，一个是返还房产，一个是惩治罪犯。”\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e2022年8月，一个自称华恒地产中介的人联系到陈文迪，称有买家想要购买其妻子王缨名下位于厦门市思明区的一套180平米的房产。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e双方谈定了780万的价格，签署《房产买卖居间协议书》当天，王缨收到了10万元定金。协议约定，买家以30%首付加贷款的方式支付房款，过户后，买家抵押房屋向银行申请组合贷（公积金贷款加上按揭商业贷款）540万元，贷款由银行直接转到卖家账户。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e8月22日，王缨收到230万元首付款，与买家一起到光大银行集美支行办理贷款。当天，银行工作人员称，已经确认过买家的贷款资质，不用担心放款问题。随后，几人到鹭江公证处将房子过户到买家名下。次日，王缨和中介一起将新的产权证交到银行职员手中，以便办理抵押贷款。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c!--MID_AD_0--\u003e\u003c!--EOP_0--\u003e\u003c/section\u003e\u003c!--MID_ARTICLE_AD_0--\u003e\u003c!--PARAGRAPH_0--\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e两个月后，王缨没有收到尾款，却接到了警方电话，王缨这才得知，自己陷入了一场骗局——她的房子没有被抵押给银行，而是被抵押给了民间放贷人，贷款已经打给了买家，而她的买家只是房屋的“代持人”，其背后真正的操盘手名叫赖日华，他名下有多套房产未支付尾款。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c!--MID_AD_1--\u003e\u003c!--EOP_1--\u003e\u003c/section\u003e\u003c!--MID_ARTICLE_AD_1--\u003e\u003c!--PARAGRAPH_1--\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e2022年11月9日，厦门市公安局集美分局对赖日华涉嫌合同诈骗案立案侦查。案发后，涉案的53套房产和8个车位均被查封。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e起诉书显示，2021年7月到2022年8月间，赖日华在明知自有资金无法支付购房首付款、 借款或贷款利息及相关交易税费的情况下，编造自有资金雄厚且有人出资与其合作买房的事实，勾结银行职员沈文钦、刘璟，向卖方谎称会通过银行住房贷款支付购房尾款, 多次骗取他人以先过户，再收尾款的方式出售房产，最终其无力归还全部房款。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c!--MID_AD_2--\u003e\u003c!--EOP_2--\u003e\u003c/section\u003e\u003c!--MID_ARTICLE_AD_2--\u003e\u003c!--PARAGRAPH_2--\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e今年4月和7月，该案在厦门市中级人民法院两次开庭。庭上，争议的焦点围绕“赖日华是炒房还是合同诈骗”、“沈文钦、刘璟是否构成共同犯罪”以及“涉案房产的处置”展开。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e法院认为，被告人赖日华以非法占有为目的，在签订、履行合同过程中，骗取他人财物近1.4亿元，数额特别巨大，构成\u003c!--SECURE_LINK_BEGIN_0--\u003e合同诈骗罪\u003c!--SECURE_LINK_END_0--\u003e，在共同犯罪中起主要作用，判处无期徒刑。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e被告人沈文钦、刘璟明知赖日华实施合同诈骗行为仍提供帮助，分别造成被害人损失3159万余元，10750万余元，其行为构成合同诈骗罪。两人受赖日华指使，帮助其骗取受害人信任销售房产，在共同犯罪中起次要作用，分别判处有期徒刑五年、十年。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e法院认定，该案涉案房产共53套，其中52套均已经设定\u003c!--SECURE_LINK_BEGIN_1--\u003e抵押权\u003c!--SECURE_LINK_END_1--\u003e。法院认为，未结清尾款的26套房产和3个车位，是被害人的合法财产，在被害人退出所收到的购房款后，依法返还相应被害人。其余已经结清的27套房产和5个车位，依法处置后所得款将返还给抵押借款合同的债权人。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp class="qqnews_image_desc" style="color: #666; font-size: 14px; text-align: center"\u003e\u003c!--IMG_2--\u003e厦门市中级人民法院\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: center; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp style="text-align: left"\u003e\u003cspan style="letter-spacing: 0.544px"\u003e\u003cspan style="font-size: 16px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(217, 63, 63)"\u003e\u003cspan style="background-color: rgb(255, 255, 255)"\u003e借100万开局\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e在赖日华看来，这一切并不是预谋好的诈骗，而是一种投资行为，俗称“炒房”。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e庭上，赖日华承认连续借他人名义购房的事实，但认为这并不必然导致合同无法履行的结果。他辩称，自己没有非法占有目的，拿到的钱也没有用来挥霍，案发时，没有结清尾款的26套房产还在履约期间内，他与被害人之间仅是房产买卖合同纠纷。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e提起赖\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style="letter-spacing: 0.578px"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e日华在\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e开庭时的表现，陈文迪很气愤，“他的辩护人还把他比作是‘商业奇才’。”其辩护人称，赖日华的购房行为是买卖双方平等协商一致后的投资行为，且赖日华具有实际的履行能力，没有与刘璟、沈文钦合伙诈骗的故意和行为。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e法院认为，赖日华通过代持手段炒房，规避限购政策，明知自有资金不够，频繁采用骗新还旧的方法，置业主财产权益于不顾，非法占有的主观故意明显。此外，还隐瞒真相、虚构事实，夸大自己的履约能力。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e被害人的诉讼代理人江雅雯回忆，开庭时，赖日华依然自信其名下财产可以用于覆盖未偿还的债务，主张案发时26套房产的尾款支付期限还未到期。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e事实上，赖日华并没有履约能力，其购买第一套房的首付款100万元，还是找别人借的。案发时，其名下房产大多数处于抵押状态，无法立即变现。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e这场骗局能够顺利进行，得益于中介、代持人、银行工作人员等多方配合。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e根据三名涉案中介人员的证词，赖日华起初宣称自己是做短视频直播带货的，一个月几亿的流水，“资金雄厚”“背后有人出资”。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e中介帮他联系业主，谈好价格后，赖日华找代持人冒充买家，出面与业主签订协议，约定先支付30%的首付款，将房产过户到代持人名下，随后将房产抵押给银行，尾款以住房贷款的形式发放到卖家账户。协议还提到，如果一定期限内贷款没有下放，就以其他方式另行支付。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e涉案代持人共11人。据在案材料，代持人称，赖日华告诉他们，买房是用来“炒”的，且许诺房子卖掉后会支付其纯利润的20%。他们出面和业主洽谈时，购房用途一般说成是孩子读书需要落户，或是说需要员工宿舍等。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e房产过户后，赖日华等人没有如约到指定银行抵押，房子有的被抵押给其他银行申请经营性贷款，有的先被抵押给民间的“金主”获取借款，之后再抵押给其他银行申请经营性贷款。取得的借款和贷款，被用作下一套房的首付款，或者偿还更早的房产尾款。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e通过“拆东墙补西墙”的操作，赖日华维持着资金链的运转。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px; max-width: 100%; outline: 0px; padding: 0px; text-align: center; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 12px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(136, 136, 136)"\u003e\u003c!--IMG_3--\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp class="qqnews_image_desc" style="color: #666; font-size: 14px; text-align: center"\u003e银行职员刘璟手持产权证\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: center; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp style="text-align: left"\u003e\u003cspan style="letter-spacing: 0.544px"\u003e\u003cspan style="font-size: 16px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(217, 63, 63)"\u003e\u003cspan style="background-color: rgb(255, 255, 255)"\u003e银行职员被定罪\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e多名被害人称，如果没有中介和银行工作人员的配合，他们或许不会如此信任所谓的买家。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e被告人沈文钦、刘璟分别是民生银行厦门分行集美支行、光大银行厦门分行集美支行办理个人贷款的客户经理。二人所在的银行，也是该案买卖双方协议约定办理贷款的银行。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e其中，沈文钦帮助赖日华诈骗33套房产、5个车位，造成被害人损失3159万余元；刘璟配合赖日华诈骗20套房产、3个车位，造成被害人损失10750万余元。刘璟还多次收取赖日华的“好处费”，共3.9万。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e陈文迪回忆，沈文钦在庭上表现出悔意，自愿认罪认罚；刘璟则称他不知道赖日华的炒房计划，事前也没有与其通谋，并否认对卖家说过，买方符合贷款资质或是产权证放在银行的话。被害人的诉讼代理人当庭指出，刘璟的诸多表述与证据有矛盾之处。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e二人的辩护人都称，沈文钦和刘璟没有非法占有目的和实施合同诈骗的故意，客观上也没有骗取他人财物行为，不构成合同诈骗罪，其目的是个人业绩的提高。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e法院认为，二人明知赖日华利用非自有资金违规炒房，仍积极配合，对被害人可能遭受的经济损失有放任的故意，还帮助赖日华隐瞒真相、虚构事实。两人银行职员的特殊身份，帮助骗取了被害人的信任，是诈骗顺利进行的重要因素，应认定为合同诈骗罪的共犯。其中，沈文钦有自首情节，依法减轻处罚。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c!--MID_AD_3--\u003e\u003c!--EOP_3--\u003e\u003c/section\u003e\u003c!--MID_ARTICLE_AD_3--\u003e\u003c!--PARAGRAPH_3--\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e结合在案材料与数名被害人的说法，中介带领买卖双方到银行办理所谓的贷款申请手续时，沈文钦或刘璟会告诉卖家，买家符合贷款的条件，或称买家是银行大客户，且申请的贷款额度与房产的尾款数额相当，银行通过审批后，贷款将直接发放到卖方的银行账户。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e期间，面对协议约定时间内没有收到尾款的卖家，沈文钦和刘璟谎称产权证保管在银行，贷款正在审或是排队放款。王缨说，她觉得已经在银行办理了相关手续，过户后产权证也交到了银行，贷款不会再出问题了。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e关于这一点，法院认为，如果没有二人持续帮助赖日华欺骗被害人，称买家可以贷款支付尾款，被害人不会同意过户，即使已经先过户，也完全可以通过保全房产等方式阻止赖日华将取得的房产证抵押借款。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e据被害人事后了解，大多数出借身份替赖日华买房的“代持人”，并没有稳定的工作，更别提“优质客户、资金充足”。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="image-box"\u003e\u003c!--IMG_4--\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px; max-width: 100%; outline: 0px; padding: 0px; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp class="qqnews_image_desc" style="color: #666; font-size: 14px; text-align: center"\u003e涉事银行职员曾供职的银行\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: center; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp style="text-align: left"\u003e\u003cspan style="letter-spacing: 0.544px"\u003e\u003cspan style="font-size: 16px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(217, 63, 63)"\u003e\u003cspan style="background-color: rgb(255, 255, 255)"\u003e背后“金主”未被起诉\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e被害人提出，中介、代持人，以及民间放贷人明知赖日华违规“炒房”，还从中协助配合，希望能够追究这些人的法律责任。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e赖日华在庭上称，他曾向名叫许某队的民间放贷人告知过，自己背后有投资人一起参与炒房。一份赖日华签字的“情况说明”中提到，许某队等放贷人对“抵押房产的人是代持人而非真正买家”一事，事先知情。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e两位银行职员的辩护人也提出，同案的中介人员、代持人和许某队的配合行为都没有被认定共同犯罪，定性上存在偏差。许某队为赖日华犯罪提供资金支持，应认定为共犯。本案中的金主并非善意第三人，而是有组织、有分工配合的高利放贷团伙，抵押权无效。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e7月23日，该案第二次开庭时，许某队以证人身份出现在庭上，他否认了赖日华的说法，称自己只是帮忙给赖日华等人和其他放贷人牵线，并非组织者，不了解赖日华背后有其他出资人。陈文迪称，还有很多问题，许某队都回答“不清楚”“忘记了”。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e法院认为，赖日华向抵押权人隐瞒没有付清房款的事实，债权人在被骗情况下出借资金，损失同样无法得到弥补，故扣缴到案的款项可用于依法返还抵押借款合同的债权人。涉案19名抵押权人及其亲属在向赖日华等人抵押借款过程中，曾同时办理经营性贷款，因此，所涉的民间借贷合同无效。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c!--MID_AD_4--\u003e\u003c!--EOP_4--\u003e\u003c/section\u003e\u003c!--MID_ARTICLE_AD_4--\u003e\u003c!--PARAGRAPH_4--\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e\u003c!--AIPOS_3--\u003e目前，检方暂时未对涉案的中介、代持人以及许某队等民间放贷人提起公诉。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e经过两年多的维权，陈文迪终于拿到了判决结果，但还是有些不放心，“现在就期待着判决能够尽快执行，早点拿回房子。”\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="-webkit-text-stroke-width: 0px; box-sizing: border-box !important; color: rgb(0, 0, 0); font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e记者了解到，收到判决结果后，三名被告人均向福建省高级人民法院提出上诉。\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003csection style="box-sizing: border-box !important; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e（为保护采访对象隐私，文中陈文迪、王缨为化名）\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003csection style="box-sizing: border-box !important; letter-spacing: 0.544px; margin: 0px 8px 24px; max-width: 100%; outline: 0px; padding: 0px; text-align: justify; white-space: normal; word-wrap: break-word !important" data-exeditor-arbitrary-box="wrap"\u003e\u003cp\u003e\u003cspan style="letter-spacing: 1px"\u003e\u003cspan style="font-size: 15px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e\u003cspan style="background-color: rgb(255, 255, 255)"\u003e【版权声明】本作品的著作权等知识产权归北京青年报【北青深一度】\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style="letter-spacing: normal"\u003e\u003cspan style="font-size: 15px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e\u003cspan style="background-color: rgb(255, 255, 255)"\u003e所有，未经授权，不得转载\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003cspan style="letter-spacing: 1px"\u003e\u003cspan style="font-size: 15px"\u003e\u003cstrong\u003e\u003cspan style="color: rgb(0, 0, 0)"\u003e\u003cspan style="background-color: rgb(255, 255, 255)"\u003e。\u003c/span\u003e\u003c/span\u003e\u003c/strong\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\u003c/section\u003e\u003c/section\u003e\u003cdiv powered-by="qqnews_ex-editor"\u003e\u003c/div\u003e\u003cstyle\u003e.rich_media_content{--news-tabel-th-night-color: #444444;--news-font-day-color: #333;--news-font-night-color: #d9d9d9;--news-bottom-distance: 22px}.rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}.rich_media_content{color:var(--news-font-day-color);font-size:18px}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]) .rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}body:not([data-weui-theme=light]) .rich_media_content{color:var(--news-font-night-color)}}.data_color_scheme_dark .rich_media_content p:not([data-exeditor-arbitrary-box=image-box]){letter-spacing:.5px;line-height:30px;margin-bottom:var(--news-bottom-distance);word-wrap:break-word}.data_color_scheme_dark .rich_media_content{color:var(--news-font-night-color)}.data_color_scheme_dark .rich_media_content{font-size:18px}.rich_media_content p[data-exeditor-arbitrary-box=image-box]{margin-bottom:11px}.rich_media_content\u003ediv:not(.qnt-video),.rich_media_content\u003esection{margin-bottom:var(--news-bottom-distance)}.rich_media_content hr{margin-bottom:var(--news-bottom-distance)}.rich_media_content .link_list{margin:0;margin-top:20px;min-height:0!important}.rich_media_content blockquote{background:#f9f9f9;border-left:6px solid #ccc;margin:1.5em 10px;padding:.5em 10px}.rich_media_content blockquote p{margin-bottom:0!important}.data_color_scheme_dark .rich_media_content blockquote{background:#323232}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]) .rich_media_content blockquote{background:#323232}}.rich_media_content ol[data-ex-list]{--ol-start: 1;--ol-list-style-type: decimal;list-style-type:none;counter-reset:olCounter calc(var(--ol-start,1) - 1);position:relative}.rich_media_content ol[data-ex-list]\u003eli\u003e:first-child::before{content:counter(olCounter,var(--ol-list-style-type)) '. 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