? A number of guarantee companies have exposed the problem of usury, and even the bank president has been involved. ? The source told the reporter of 2 1 century business herald.
According to sources, a vice president of a foreign-funded background bank branch on Hubin North Road in Xiamen has absconded with money and is suspected of defrauding huge private usury funds.
? The guarantee companies that have recently had problems involve billions of dollars. ? The above-mentioned people said that this domino effect is still going on, and the hole is definitely getting bigger and bigger, but it is still impossible to estimate how much money and how many people are involved. ?
However, 2 1 Century Business Herald reporters visited the units and relevant departments involved in the rumor, and the staff all avoided talking about it and refused to interview. As of press time, the local official has not officially announced the news, and it is impossible to get an exact statement from the official.
3.7 billion black holes
The fuse of the incident originated from the financial black hole of Xiamen Rongdian.
? This year? May day? On the first working day after the festival, a creditor of Xiamen Rongdian led a group of people to collect debts and shouted at the entrance of the building with a tweeter. The creditors of Xiamen Rongdian were alarmed. ? A creditor of Xiamen Rongdian told the reporter of 2 1 Century Business Herald.
According to its introduction, the creditor who set off a debt storm in Xiamen Rongdian was a native of Nanping, Fujian, surnamed Zheng. In 2008, he lent 8 million yuan to Zhong Mingzhen, the boss of Xiamen Rongdian. Because I owe interest this year, I have no results. Finally, he copied the plot of a Hong Kong film and made a big scene. Before, Zhong Mingzhen always paid interest on a monthly basis.
As a result, creditors came to the door one after another, and Xiamen Rongdian's secret capital chain, which had been painstakingly operated for many years, collapsed overnight, and it was widely rumored that its debt was as high as 3.7 billion yuan.
? The collapse of Xiamen Rongdian is not good for anyone, and Zheng's creditors make everyone miserable. ? The above creditors said,? Prior to this, a bank in Xiamen had promised a credit line of 300 million yuan. As long as there is money, the crisis of Xiamen Rongdian can be lifted. Now that the loan is gone, the company's business has completely stopped. ?
According to the unspoken rules of private lending, as long as the lender can settle accounts and pay interest on time, the game will continue, and the lender doesn't care that the lender is robbing Peter to pay Paul.
There are different legends about which bank will lend Xiamen Rongdian.
Regarding the cause of the financing crisis in Xiamen, Zhong Mingzhen said that this year, the relevant departments raised the entry threshold for financing guarantee companies and required the registered capital to reach 654.38 billion yuan. To this end, Xiamen Rongdian began short-term high-interest loans to make up 654.38 billion yuan to change it into a financing guarantee company. The business scope and loan guarantee multiple of financing guarantee companies are better than those of ordinary guarantee companies.
But this statement has been dismissed as nonsense by many people in the industry. Since 2008, Xiamen Rongdian has been borrowing from foreign countries at high interest rates, and it has been changed into a financing guarantee company just to make the cake bigger. ? Xiamen local? Gold master? (private lenders) said.
A creditor surnamed Wu of Xiamen Rongdian also revealed that after the Xiamen Rongdian crisis broke out, Zhong Mingzhen's brother Zhong, sister-in-law and husband Chen Gang had disappeared. The reason why Zhong Mingzhen was left to deal with the aftermath was because she was pregnant and the creditors were short of money and could not run away.
? Zhong Mingzhen originally planned to go to Hong Kong to have a baby, but in the present situation, the creditor will not let her leave Xiamen. ? Wu' s creditor said.
However, Zhong Mingzhen, who has been pregnant for 8 months, declared that she would not run away, hoping to determine the debt settlement plan with the help of a lawyer who specializes in dealing with non-performing assets before the child was born.
No matter what the truth is, the creditors of Xiamen Rongdian still have a glimmer of hope compared with other debtors who have escaped from similar incidents.
The person in charge of this matter is Fujian Tiankai Law Firm. Lawyer Zhou Hui, a partner of the firm, said that creditors are currently negotiating with debtors, hoping to reach a suitable solution through this negotiation, which will serve as a model and reference for similar incidents in Xiamen. However, Zhou Hui is unwilling to disclose the details of the crisis in Xiamen Rongdian.
? Xiamen Rongdian's debt is as high as 3.7 billion yuan, of which the loan principal is about 8? 900 million yuan. ? The above creditors said.
The loan principal is about 8? The statement of 900 million yuan was confirmed by another creditor surnamed Chen, but he told reporters that the actual debt was not 3.7 billion yuan, but almost1700 million yuan after deducting water.
Whether it is 3.7 billion yuan or 654.38+07 billion yuan, except the loan principal, the difference is the high interest generated by the loan.
? The difference between 3.7 billion yuan and 654.38+0.7 billion yuan should be the difference in interest level. It is likely that the lender took the initiative to cut interest rates after the crisis, and the interest rate was higher than the national regulations. ? Above Xiamen? Gold master? Go ahead.
However, the reporter asked a number of Xiamen Rongdian creditors, and the other party avoided talking or ignored it. There is no clear answer to the loan destination.
? If calculated according to the principal, there is still a gap between Zhong Mingzhen's personal disposable assets and the creditor's principal. ? An employee of Xiamen Rongdian said,? Zhong Mingzhen has two large-scale properties and 100 mu of land, and some assets are in other people's names. ?
However, some creditors told the reporter of 2 1 Century Business Herald that after investigation, it was found that most of the assets mentioned by Zhong Mingzhen were already in the names of others and had been repeatedly mortgaged. To this end, there are also differences among creditors.
? Xiamen Intermediate People's Court has received more than a dozen cases in this case alone, mainly to preserve collateral. ? The man said,? There are hundreds of people on the creditor list, and some people with collateral are not on the list. ?