According to the circular, on August 28th, 2008, shareholders and senior executives of Zhongpu Company reported to Shenyang Public Security Bureau that Zang Yanbin, the actual controller of Zhongpu Company, lost contact, which led to the business crisis of Zhongpu Company. After preliminary verification, Zhongpu Company absorbed funds from unspecified social groups, with the amount exceeding 150 and the amount exceeding 5 million yuan, causing direct losses to borrowers exceeding 500,000 yuan. According to the Supreme People's Court's Interpretation on Several Issues Concerning the Specific Application of Law in the Trial of Criminal Cases of Illegal Fund-raising, this case conforms to the constitutive requirements and filing standards of the crime of illegally absorbing public deposits, and belongs to "huge amount or other serious circumstances". On August 29th, the Municipal Public Security Bureau filed a case against Zhongpu Company on suspicion of illegally absorbing public deposits, and took border control measures against senior executives. On September 6th, Zang, the actual controller of the company, was put on file for investigation on suspicion of duty embezzlement, and investigation and evidence collection were carried out.
It is understood that in order to give consideration to social and legal effects and protect the interests of lenders to the maximum extent, according to the document "Opinions on Doing a Good Job in the Exit of Internet Financial Institutions such as Peer-to-Peer Lending" issued by the National Renovation Office (Renovation Office Letter [20 18] 126), Shenyang Internet Finance Industry Association accepted the entrustment of Zhongpu Company to conduct comprehensive supervision and maintain its operation. We quickly took control of the company's account, and organized more than 65,438+030 professionals to enter the company for financial and legal review, and assisted the company to recover the loan assets.
As of June165438+1October 10, 409 accounts have been controlled, and the collected funds have reached 609 million yuan from the initial 270 million yuan. It has been found out that the total amount of wealth management terminals is 22.446 billion yuan, and the redemption at maturity is 6.5438+0.295438+0.05 billion yuan, and there is still a balance of 9.5./kloc-0.50 billion yuan. Lender registration has been carried out by restoring 86 business outlets at the lending end of Zhongpu Company, and 99.4% of them have been completed.
The total loan is 9.7 billion yuan, and 4.48 billion yuan is recovered at maturity, and the current stock balance is 5.22 billion yuan. Through cross comparison, the assets were verified to be 3.856 billion yuan, accounting for 73.8% of the loan balance, and the creditor's rights assets secured by mortgage have been basically verified. The company has incurred operating expenses of 4.252 billion yuan, including foreign investment of 65.438+0.69 billion yuan, salary payment of 65.438+0.83 billion yuan, interest expense of 752 million yuan, and administrative office expenses of 60.65438+0 billion yuan. There are still some funds that need further verification. At present, the affiliated companies 1079 have been screened, and 66 1 affiliated companies have been confirmed to have transactions, and 832 1 various contracts have been collected, and the employee labor contracts and personnel files 1065 have been audited and counted. Although important progress has been made in the previous stage of verification, it will take time to complete the verification in an all-round way, and the industry association will inform the verification progress on the website in due course.
The Shenyang Internet Finance Industry Association said that the majority of lenders are requested to strengthen the concept of "the buyer bears the responsibility", rationally defend their rights, do not believe in rumors, do not spread rumors, do not participate in various illegal gathering activities, cooperate with government departments, and support industry associations to supervise the operation of Zhongpu Company and recover creditor's rights. After the company's assets are fully verified, a unified redemption plan will be formulated and redemption matters will be properly arranged. The public security organ will seal up or detain the assets and funds involved in the case that the criminal suspect Zang and other senior executives of Zhongpu Company have transferred to their personal names or hidden in other ways by taking advantage of their positions, increase the recovery of the funds involved, and protect the interests of lenders to the maximum extent.
According to official website of Zhongpu Group, Zhongpu Jinfu Technology Group is a technology company that provides high-quality technical services and comprehensive product services for small and medium-sized enterprises based on Internet technology, cloud computing and big data collection and processing capabilities. At present, the clients of Zhongpujinfu Technology Group have successfully covered major fields such as finance, real estate, automobile, media, e-commerce and life service. According to official website's information, Liaoning Zhongpu Jinfu Internet Technology Group Co., Ltd. is the main operator of the platform, and Beijing Zhongpu Xinfu Investment Management Co., Ltd. is the main operator of the platform. The main information of Zhongpu Group's operation in official website is shown as Liaoning Zhongpu Licheng Investment Consulting Co., Ltd.
At the end of August this year, according to investors, Financial Tiger took the lead in exclusively disclosing that "Zhongpujinfu will completely stop the offline P2P business, and plans to repay the principal and interest about two years after the deadline". According to Zhongpujinfu's announcement at that time, the company decided to completely stop all offline businesses of Zhongpu from 2065438+September 3, 2008, and the online platforms of "Earning House" and "Zhongpujinfu" were still operating normally. At that time, the announcement also stated that the core executives and shareholders of Zhongpu Company had filed with the supervision and public security department of Shenhe District, Shenyang, handed over their entry and exit documents to the public security organs for safekeeping, and resolutely promised not to run away before the redemption plan was completed.
On September 8 this year, some investors broke the news online, saying that on August 27, 2008, investors from all over the country gathered outside the Zhongpu headquarters building in Shenyang, Liaoning. Subsequently, the Zhongpu headquarters issued a statement; Zhongpu announced the suspension of offline business, and the deferred redemption plan will be given later. 2065438+September 2008 1 day, Zhongpu Headquarters issued a redemption plan; From September 5, 2008 to September 5, 2065438, it will be paid in installments according to 3%-5% of the total investment of investors. Until 2065438+September 5, 2008, investors failed to recover the redemption ratio on schedule. Then, on September 6th, 2008, 2065438+,China-Pu Headquarters announced the establishment of a benign withdrawal working group.
Financial Tiger noted that on September 14 this year, Shenyang Internet Finance Industry Association also released the "Progress Report on Offline Business Exit of Liaoning Zhongpulicheng Investment Consulting Co., Ltd.". According to the circular, on the evening of September 4th 19, a third-party organization started to conduct financial audit and due diligence, and formulated the Measures for Fixed Assets Inventory during the Business Exit of Zhongpu Group, the Data Processing Process and Standards of Zhongpu Group and other related documents to guide the business exit of Zhongpu Company. In view of the registration of lenders in China and Pudong, the association developed the "Liaoning Zhongpu Lender Registration System" and completed the systematic training and online work of personnel in China and Pudong.
Financial Tiger also noticed that according to the announcement of Zhongpu official website, the company applied to Shenyang Internet Finance Association for benign withdrawal from offline business on September 18. Up to now, since September 2nd, official website has issued 42 withdrawal announcements, revealing its "benign withdrawal process". The latest announcement issued by the company 165438+ 10/0/5 also said: "I assure you that the company will never run away." In addition, in the bulletin of June 5438+00 17, Zhongpu Company also said: "On June 5438+06, some media rumors said that Pujinfu was thundering. Zhongpu Group officially clarified this rumor as a rumor, which is an eye-catching move for some media accounts. At present, Zhongpu Group is working in strict accordance with the benign exit process.
In particular, according to the above report, Zang, the actual controller of Zhongpu Company, actually lost contact on August 28th. This has formed a certain "negative contrast" with the contents of the announcements of China and the United States. If you are responsible for investors, strictly follow the benign exit process and make relevant progress public, it may be gratifying in a sense. However, it is undeniable that the "suspected concealment" behavior of "the loss of actual controllers and the investigation of the case" has never been made public, but it is debatable.