One month has passed since the Jiacheng incident on July, 2065438 14. On the basis of collecting all kinds of information, the author tries to analyze the cause and secret of the Jiacheng incident with the experience of a financial supervisor, and analyze the inner world of his bosses Li Huifang and Geng Yong together to predict the trend and result of the Jiacheng incident. Different opinions are welcome. Let's get down to business and start analyzing:
One: Basic data of Jiacheng Company:
1. Jiacheng Company was established for five years, with a registered capital of 1 billion yuan, an annual investment guarantee of over one billion yuan, 80 employees, 12 branches and 13 leased office space.
2. The business scope of Jiacheng Company: personal financing guarantee, enterprise financing guarantee and engineering guarantee business.
3. The monthly interest rate of funds given to customers is 1.7 before April and 20 14 after April, 1.8. The monthly interest paid by developers with money ranges from 2.3 to 2.8.
4. Jiacheng Company charges the developer a deposit of 5% for each use, a guarantee fee of 1.5% for each use, and a monthly management fee of 0.3% after the loan.
5. If the developer fails to repay the principal and interest within the time limit, Jiacheng Company will charge the developer five ten thousandths of the liquidated damages, 10% of the advance compensation, 5% of the disposal liquidated damages, and 100 yuan/day management fee.
Two. Financial Analysis of Jiacheng Company
1. The registered capital of Jiacheng Company 1 100 million yuan. According to the national regulations of the guarantee industry, there should be banks as guarantee funds to carry out guarantee business. In the whole several meetings, Jiacheng Company and the working group did not mention that Jiacheng Company carried out the guarantee business of bank loans for SMEs. The so-called registered capital of 65.438 billion yuan either doesn't exist at all, or it is lent to developers like the funds of our customers.
2. The net financial income of Jiacheng Company:
(1). The annual business volume of Jiacheng Company is more than one billion yuan, and the developer's interest is charged at an average annual rate of 700 million yuan, both of which are calculated at a monthly interest rate of 2.5%. Excluding the 1.7% interest paid to customers, the monthly interest difference is 0.8%, and the five-year net interest income of Jiacheng Company is 700 million *5 years * 65438+February * 0.8%.
(2) Guarantee fee income: 700 million yuan * 1.5%*5 years = 52.5 million yuan, and monthly management fee income of 0.3% after loan: 700 million yuan *0.3%*5 years *12 = 65438+26 million yuan.
(3) The lawsuit of Jiacheng Company was not found online, and there was no public data of breach of contract and overdue agreed by the developer in Article 5 of the first paragraph above. However, according to the meeting report of Jiacheng Company and the working group, Jiacheng Company has paid a large amount of overdue contract money with the client's funds, and according to the report of Jiacheng Voice magazine, dozens of developers have lent money in the province, and as of July 20 14, there are still some in the province.
Only (1) and (2), excluding the net income of (3): (1)+(2) = 3.36+0.525+1.26 = 51.45 million yuan.
3. Jiacheng Company's expenditure:
(1) Rent 13 places, and the average annual rent for each place is13 * 6 * 5 = 3.9 million yuan.
(2) The average annual salary of personnel expenditure is 6,543.8+0.5 million yuan: 80 * 654.38+0.5 * 5 = 20 million yuan,
(3) The average office expenses, utilities, travel expenses and customer welfare expenses of each branch are 300,000 yuan: 30 * 5 *13 =19.5 million yuan.
(4) The average annual public relations expense of senior leaders is 2 million yuan * 5 =100000 yuan.
(5) The average annual tax expenditure is 200,000 yuan * 5 = 6,543.8+0,000 yuan.
(6) Other expenses are 654.38+10,000 yuan * 5 *13 = 6.5 million yuan per year.
The total fiscal expenditure is 390+2000+1950+1000+100+650 = 60.9 million yuan.
Jiacheng Company was established on 20 14.7. 14. The minimum profit is: net financial income of Jiacheng Company: 510.45 billion yuan-expenditure of Jiacheng Company: 60.9 million yuan = 453.6 million yuan!
3. The mystery of cash flow direction of Jiacheng Company;
According to the capital operation mode of Jiacheng Company, the customer calls the head of the branch, and the head of the branch calls the bank card of the headquarters. There is almost no bank in Gong Hu, and the developer also calls the bank card of the headquarters instead of the bank Gong Hu. In this way, it is easier for Mr. and Mrs. Li Huifang to get the net income of Jiacheng Company and customers' funds than to get steamed stuffed buns in a basket. In the past five years, from the opening of Jiacheng Company to the stable period of the guarantee company industry at the end of 20 13, Mr. and Mrs. Li Huifang always transferred all the remaining profits (or foreign or domestic bank cards with other names) according to the total loans of developers minus the total funds of customers. However, after the Spring Festival in 20 14, the sales of county-level real estate industry were stagnant, the funds were precipitated and crushed, and the developers stopped paying back the money. The money that Mr. and Mrs. Li Huifang put in their pockets or moved away is unwilling to pay our customers, so there are two crooked points: (1) raising the interest rate of customers' funds from 1.7 to 1.8. In an attempt to keep old customers from pulling money and new customers from joining, (2) it is to increase the performance appraisal of branches around the country, so that employees of Jiacheng can pull customers and funds like chicken blood, which leads to a large number of employees of Jiacheng having to take out the hard-earned money of their families and all their relatives and friends in order to complete the task, completely falling into the trap carefully designed by Li Huifang and his wife, and a large number of employees of Jiacheng have also been put into the pockets of Li Huifang and his wife!
The two crooked points have been used until the end of June 20 14, and the sales of real estate are even more sluggish, and the payment is almost stagnant. Mr. and Mrs. Li Huifang frantically threw out a "trick" that is completely inhuman, self-righteous, killing people without seeing blood, and eating people without spitting bones: inform the branches and employees of Jiacheng Company, and then inform customers, so that the government can rectify the guarantee company and inspect Jiacheng Company. On the desk of Li Huifang's office, the inspectors found the illegal financing guarantee business. They were retaliated for giving too few gifts to the inspectors and were forced to suspend business for rectification and close down. In fact, they took the account book and sent it to the enterprise service center of the development zone in order to realize their ultimate goal and put away 450 million yuan:
Four. Li Huifang couple's "trick" achieved this effect:
1. Like a commercial department store, it is forced to pay off its creditors with "waste and inferior products" that have been in business for several years, hoping that creditors will sacrifice interest or even principal and pay off their debts with high-priced "waste and inferior products" and unsold properties in remote areas of remote counties.
2. Take advantage of the government's fear of social stability pressure and the strong control of the government to make customers give up interest, only pay the principal, and extend the payment time as much as possible, so as to use the principal and interest of customers to extract overdue principal and interest from developers. Jiacheng Company collects five ten thousandths of the developer's liquidated damages, 10% pays in advance, and 5% disposes of the liquidated damages, 65438. Calculated by 730 million yuan, according to the terms of the contract between Jiacheng Company and 8 developers, the penalty interest and liquidated damages are 730 million yuan * 50,000 days * 30 =10.95 million yuan. 10% advance payment: 730 million yuan *10% = 73 million yuan. 5% penalty: 730 million yuan * 5% = 36.5 million yuan. Management fee 100 yuan/day: 18 company 36 times * 100*30= 108000 yuan. The total income can be increased by 120558000 yuan, and the monthly income can be increased by1095+10.8 =11058000 yuan!
3. The working group re-established the account of * * *, cleverly "firewall" the personal bank cards involved in the five-year business operation of Jiacheng Company, avoiding the legal prosecution of customers from all over the world, and freezing the account of Jiacheng Company and the personal bank cards involved in the business of Jiacheng Company. Ensure that the customer funds occupied by Li Huifang and his wife will not be verified and recovered, thus concealing the facts and embezzling the customer funds.
4. Li Huifang and Geng Yong's inner world analysis:
1. They judge that the real estate industry will not improve in the short term, and dormant accounts and bad debts will only increase, but will not decrease. It is more difficult for guarantee companies to raise funds. Other guarantee companies ran out of ammunition and food and died passively. We exaggerated the asset figures. After careful collusion, we think that customers are stupid, scattered, disunited, easy to deal with, and should be able to muddle through.
2. If the company shuts down voluntarily and handles it alone, it will face a dilemma: (1) The company is an enterprise, and customers will be excited when they know it. If a vicious incident occurs, it is not good to explain to the government and society. (2) The lender is even more unwilling to pay the arrears when it hears that Jiacheng has closed down. If it is privately negotiated, Jiacheng will definitely make great concessions.
3. In order to cope with the dilemma, communicate with government leaders and let the district enterprise service center, which has been in operation for many years, act as a shield: the government can stabilize customers' hearts, and customers negotiate with the government. Jiacheng only needs to do a good job of the relevant government personnel, and the government can handle it according to Jiacheng's meaning, and the repayment time will be delayed as much as possible. Li Huifang and his wife just sat down and enjoyed the success. What is important is that there is only one government in the world, and one government does not care about everyone, thus achieving the purpose of "personal bank card firewall" isolation. Another point is that there is government pressure on lenders and developers, which is both great and fast. According to the terms of the contract, there should be a fine, which is more than what can be collected through private negotiations.
As a result, Mr. and Mrs. Li Huifang tried their best to direct and perform the "Jiacheng Incident" and drained the blood and sweat of 3,763 customers in the province like a juicer! For example, a bloodthirsty mouth swallowed the lives of 3763 customers in the province! The tragic fate of our customers begins here!
5. The trend of Jiacheng incident:
1. As the scam of Mr. and Mrs. Li Huifang is exposed, our customers will not be deceived for long, and the ugly faces of Mr. and Mrs. Li Huifang will be spurned by thousands of people. Even the kindest, weakest and most helpless customers will spare no effort to protect their property from being robbed by them and will fight them to the death without hesitation! So a rights organization spontaneously formed!
The staff of the government working group are all social elites. They may have seen through the scam of Li Huifang and his wife, but it is inconvenient to explain the hidden rules of officialdom. As the fermentation of the Jiacheng incident heats up, their social responsibility, professional ethics, moral conscience and official position determine that they will handle the Jiacheng incident in the right way and will not be played by Li Huifang and others. Even if some leaders want to protect them, they will give them up for their own safety! Because people can't be bullied! The human heart is inviolable! The sword of justice that kills ghosts and blocks demons will be merciless to every accomplice!
3. The passion and anger of customer groups, strong determination to defend property, and escalating emotional expression will make the relevant government departments worry about unexpected events, especially the questioning of the main leaders of provinces and cities, which will speed up the resolution of the incident. If Mr. and Mrs. Li Huifang are stubborn and have no sense of the overall situation, and insist on staying with their clients and holding on to their hard-earned money, it will be a dead egg to wait for Mr. and Mrs. Li Huifang: the client's money has been given, and the joint government working group will be jailed for registered capital flight, evading state taxes, illegally raising funds, bribing, etc., and its elaborate scam will strangely cover itself up, hoping that the extremely smart Li Huifang couple will not be fooled by money!
What should customers do with intransitive verbs?
1. There will be no pie in the sky. You should mind your own business. Rights protection organizations are the only backing to completely solve the problem of saving money. Don't expect the wolf to become a sheep, your conscience will find out, and don't expect the government to take the initiative to act according to the wishes of customers. Constant pressure on yourself and others is the only way to solve the problem!
2. Division of labor and cooperation is a reasonable way to solve the problem. Combining the old with the young and unifying the thoughts, actions, voices and demands of various cities can speed up the solution of the problem.
3. It is the best result to take certain ways and means to attract the attention and attention of the leaders of relevant departments at a considerable level, and get the questions and accountability of the leaders of the city and province.
Don't have any illusions. Only by carrying forward the spirit of putting all your eggs in one basket, uncompromising, tit-for-tat, and never giving up until we reach our goal, can we return to Zhao completely and get back our hard-earned money! Any intimidation and threat, any bluff and forbearance will cause loss of interests, any explanation and reason for delay.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.