2016-02-01 15:07
Xinhua news agency to expose the e rent treasure illegal fund-raising case the truth
Direct reporting network Beijing February 1st (Xinhua News Agency Chen Ji Bai Yang) within a year and a half of illegal absorption of funds about 50000000000 yuan, the victims of investors in the country's 31 provinces...... January 14th, the concern of the e rental treasure platform of 21 people involved were arrested by the Beijing procuratorate approved. Among them, "e rent treasure" actual control platform, Yu Cheng Group Director Executive Chairman Ding Ning, suspected of fund-raising fraud, illegal absorbing public deposits, illegal possession of firearms and other crimes. In addition, the case related to a number of suspects have been approved by the prosecution of the prosecution of the arrest.
This has swept the country's network platform, what is the truth? Yucheng Group executives head all sorts of "halo" underneath how shady? "Xinhua viewpoint" reporter recently approved by the relevant departments, to the police, mainly by the criminal suspect and the victim companies were in-depth interviews, to restore the Yu Cheng group and its affiliated companies (hereinafter referred to as "Yu Cheng Department") using "e rent treasure" illegal fund-raising crime path.
Banner of network finance under the banner of illegal fund-raising about 50000000000
"E rent treasure" Yucheng "under Jin Yirong (Beijing) Network Technology Co. Ltd. operation platform. In February 2014, Yucheng group bought the company, and the operation of the network platform transformation. July 2014, Yu Cheng group after the transformation, the platform named "e rent treasure," financial network "under the banner of the on-line operations.
Police investigators, by the end of 2015, more than the public security departments and financial regulatory authorities found e rent treasure operating anomalies, and then launched a survey.
Public security organs found, on December 5, to 2015, "Yu Cheng" can dominate liquidity remained tense, capital chain is ready to face the risk of fracture; at the same time, Yu Cheng group has begun to transfer funds, destruction of evidence, several executives have fled the signs. In order to avoid greater losses suffered by investors, on 8 December 2015, the Ministry of public security command all over the public security organs unified action, Ding Ning "Yucheng" chief executive of implementation of the arrest.
Police investigators said, the case is complex, the investigation is very difficult. Yu Cheng Department of branches throughout the country, involving a number of investors, and the company's financial management confusion, trading in a large amount of data, only need to inventory storage company data server has more than 200 sets of. In order to destroy evidence, the suspect will more than 1200 copies of evidence materials into 80 bags and buried in Hefei, Anhui Province, on the outskirts of somewhere 6 meters deep underground, the ad hoc group use two excavators, which lasted more than 20 hours to be dug up.
Police initially identified the top "Yucheng" is registered in overseas Yucheng International Holding Group Co., Ltd., there's such as Beijing, Shanghai, Bengbu eight operations center, and consists of project financing, "e rent treasure online sales," e rent treasure offline sales of the eight business segments, which most of the plate around the operation of "e rent treasure settings.
Police said the suspect on from July 2014 "e rent treasure line until December 2015 were seized," Yu Cheng "with high interest as bait, fictional project financing lease, sustained by borrow new also old, self insurance, etc. a large number of illegal absorption of public funds, the cumulative transaction amounted to 700 billion yuan. Police initially identified, "e rent treasure" the actual absorption of funds more than 500 yuan, involving about 900 thousand investors.
False, false, false project three party guarantee: three step up manufacturing scam
'e rent treasure' is an out and out Pang's scheme." In the detention center, the former Yu Cheng international holdings group president Zhang Min said, "e rent treasure occupied the investor's funds, company executives are very clear, she now this very repent for.
"E rent treasure to announce, its business model is by the group under the finance leasing companies and the project company signed an agreement, and then in the" e rent treasure platform to the assignment of creditor's right in the form of issuing financing; financial funds, project company to the leasing company to pay the rent, rental companies, to investors pay income and principal.
Police introduction, under normal circumstances, the finance leasing companies earn spread project, and the platform to earn intermediary costs; however, e rent treasure from the start is an "empty set of the White Wolf" fraud, the so-called leasing project didn't live up to.
"We invented financing projects, the money transferred to the lessee, and to the lessee of the benefits, and then the funds transferred to our company's Associate Company, in order to achieve the purpose of misappropriation of facts." Ding Ning said, before and after they spent 800 million yuan to buy information to the item company and the middle of the people.
During the interview, "Yu Cheng Department of a number of executives are to reporters confirmed his company buying enterprises or registered shell companies in" e rent treasure platform fictional project fact.
"As far as I know, 'e rent treasure' on 95% of the projects are false." Anhui Yucheng Financial Leasing Co., Ltd. risk control department director Lei Yong said, dingning letting a person, with the amount of financing of 1.5% - 2% to the enterprise to buy information, where he department responsible for these enterprises information to fill in the contract ready in made false items in the e rent treasure on-line platform. In order to allow investors to enhance investment confidence, they also adopted the way to change the way companies registered items.
Police introduction, in the police have been verified 207 Tenant Companies in, only 1 home and Yu Cheng lease happened real business.
There are some companies involved even until the incident have been kept in the dark. Anhui Province, Bengbu City, a company responsible person Mr. Wang told reporters that his company had secured by Yu Cheng group's companies to the bank loan money, each other so master the company's business license, tax registration certificate and other documents; but until the end of 2015 his business bank accounts were frozen, he was from the public security organs that his company is "e rent treasure false linked to the Internet financing. "Their approach is too bad, I hope that the public security organs to punish such acts, but also we have a clean." Mr. Wang said angrily.
According to the people's Bank and other departments promulgated the "on promoting the healthy development of Internet financial guidance", the network platform for information intermediary services, can not be set up funds pool, does not provide credit guarantee. According to the police investigation, "e rent treasure will be absorbed to the funds in form of third-party payment platform of route into from the pool of funds, equivalent to the funds from the left pocket" into the "right pocket.
Not only that, Yu Cheng group also directly control the three security companies and a factoring company, to guarantee e rent treasure "of the project. Civil and economic law, China University of political science and law professor Li Aijun said that if platform for the introduction of the relationship of the security agencies, to the creditor brings great risk.
"High income and low risk" commitment trap
"1 yuan from the vote, at any time to redeem, high income and low risk." This is the "e rent Bao" widely advertised slogan. Many investors said they are to "e rent treasure guaranteed security interest, flexible withdrawal commitment to be deceived. Reporters learned that, e rent treasure, launched a total of 6 products, the expected annual yield of between 9% to 14.6%, much higher than the general rate of return of financial products.
Investor Mr. Zhang said, e rent treasure, the sales staff to encourage him to say, e rent treasure products guaranteed insurance, even if the investment company failed, the money still has.
Investors, Mr. Xu to reporters calculations: "I compare 10 million dollars, in the bank put a year earned only more than 2000 dollars; in 'e rent treasure' over there, it promises the interest rate is 14.6%, a year can earn more than 14000 dollars."
Investor seats, said he was "e rent treasure" can be flexible characteristics of the withdrawal of the appeal: the general financial products can not be early withdrawal, but the 'e rent treasure' 10 days in advance can also be taken out."
In this regard, Li Aijun said that the supreme law in 2010 issued a clear judicial interpretation of the crime of illegal fund-raising, can not be used to lure investors to return. In fact, due to the nature of the financial industry risk, the commitment to protect the interest rate itself is against the objective law. China Banking Regulatory Commission is a clear requirement, the commercial banks in the sale of financial products must carry out risk warning.
However, e rent treasure to seize the part of the people to understand the financial knowledge of the weak, with false promises made a trap". In order to speed up the pace of expansion, Yu Cheng group is also the country set up to a large number of the company and to sell the company, directly facing the people "personal selling". Its push staff in addition to recommend e rent treasure products, and even the enthusiastic to provide them with the opening of online banking, registration platform and other services. It is in such a powerful offensive, e rent treasure only with a year and a half, to attract about 900000 real investors, customers throughout the country.
A huge amount of money from the Yucheng group was illegally occupied
According to the police investigation, "Yu Cheng" in addition to will be part of a drain funds for debt service, quite a part is for personal extravagance and to maintain the company's huge operation cost, investment bad creditor's rights and advertising hype.
According to a number of criminal suspects confessed, dingning and several group of female executives are closely related, the private lives of great extravagance, profligate spending ceiling to funds. Police initially identified, Ding Ning donated cash, real estate, luxury vehicles, others worth more than 10 yuan. Only Zhangmin, dingning except to give the value of 1.3 billion Singapore villa, worth 12 million pink diamond ring, luxury cars, watches and other gifts, also has a "reward" she 5.5 billion yuan RMB.
"A big spending Yucheng" also from high wages. Dingning brother Ding Dianwei cases. He had a monthly salary of 1.8 million yuan, but was transferred to the Beijing, monthly salary soared to 100 million yuan. According to Zhang explained, whole group with millions of annual salary of executives about up to 80 people, only in November 2015, Yu Cheng group should be sent to the wages of the employees is 8 billion yuan.
Many company executives said to the impression to the public leave "deep pockets", dingning requirements of the office of dozens of secretary general wear luxury brand of the uniforms and jewelry "show company image, even once took a luxury store all the bulls.
Not only that, since 2014, "Yu Cheng" has spent billion yuan on a lot of advertising "viral marketing", will also Zhang packaging into "Internet Banking for the first beauty president", as a corporate image spokesmen attend public activities.
The company's spending on the rise, the return of funds is also increasing pressure. Yong Lei said, e rent treasure as long as one day no new projects on the line, Ding Ning will immediately urge to ask.
In fact, "Yucheng" executives of the company are well aware of the actual situation. "'e rent treasure' hole will only snowball, and then in a concentrated outbreak, on account of no money back to the old customers, also can't back to new customers." Zhang said that he had in September 2015 let a company's data center is calculated, results show that, "e rent treasure the redemption amount will in January 2016 reach 9 billion, then redemption amount increased month by month.
This prediction, and the public security organs of the previous analysis of the results are very consistent.
Dingning said, Yu Cheng group's only Yu Cheng leasing, Yucheng hardware and Yu Cheng new materials three companies to produce the actual operating profit, but the total income of the three companies lack of 8 billion, profit is less than one hundred million. Therefore, in addition to relying on crazy occupy "e rent treasure to absorb the funds," Yu Cheng "normal income will not be enough to cover its huge spending.
E rent treasure suspected of illegal fund-raising crime
According to e rent treasure cases have been identified in various crimes, the judiciary believes that these acts of criminal suspects have been arrested for illegal absorption of public deposits and fund-raising fraud.
Law School of the Central University of Finance and economics professor Guohua introduction, the crime of illegal absorbing public deposits has four elements: the first is not the relevant departments approved or under the guise of legitimate business form to sequestration. The second is to media, SMS, recommendation and other forms of public sequestration. The third is through private equity and other means to promise to repay captital with interest or return, the fourth is to the public is not specific for sequestration. In this case, the suspect use of the network platform to open to the public, but also external commitment to debt service, its behavior has been suspected of illegal deposits from the public.
"For the crime of illegal deposits from the public, if there is a waste of investment or consumption expenditure led to the property can not repay the situation, it constitutes a fund-raising fraud." He believes that "e rent treasure case crime suspect investment high-grade vehicles and residential, to employees pay high wages profligacy, reflects their subjective illegal possession of the purpose of investor funds, which is one of the important reasons lead to absorb the funds can not repay, but also they are suspected of the crime of fraud in financing is one of the main reasons.
Li Aijun pointed out that finance is a high risk characteristics of the industry, so the people in front of the investment need more master certain financial knowledge, know any investment behavior to risk of self responsibility; and if investors to participate in the financial activities suspected of crimes, will bear greater risks.
The latest progress: the relevant departments are stepping up the evidence of loss of stolen goods pull
Police introduction, because of the numerous and jumbled Yu Cheng Department of financial transactions, financial management confusion, the funds flow is still under investigation among. At present, the public security authorities are working with the China Banking Regulatory Commission, the people's Bank and other departments concerted effort with, to speed up the progress of work, go all out for investigation and evidence collection, stolen goods, screening involved assets and maximize restore investor of loss. In order to facilitate investors to report, improve the disposal of relevant information on the case, the public security authorities have set up an investor information registration platform, and will be linked to the public security department in the near future to enable the official website.
Authorities said that investors should be timely and voluntarily report, registration information, to provide the proof material, avoid the harm to their interests is not timely, not real report and registration; at the same time, please the investor rights according to the law, do not believe rumors, do not pass rumors, not to be confused, organization, participate in all kinds of illegal activities. Suspected of a crime, should actively cooperate with the investigation, pay back the illegal income, for leniency. 3
(original title: "e rent treasure" illegal fund-raising case investigation)
Editor: Xiao Shen
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