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Started 10 years ago by knljit0y5n

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 And many other foot boss is slightly different, so Yongfu company and Li Ching into public view, a huge black hole of debt is not a wealth of stories Or once left behind, but between Minsheng Bank together with 13 customers on the "7760 ten thousand yuan financial gold turned lending, "the dispute, and the bank financial services various torture chaos "Legal person" reporter Wang Leilei Sent from Wuhan The end of July 2014, Hubei Yongfu Investment Limited legal representative Li Ching suddenly "disappeared". And many other foot boss is slightly different, so Yongfu company and Li Ching into public view, a huge black hole of debt is not a wealth of stories Or once left behind, but between Minsheng Bank together with 13 customers on the "7760 ten thousand yuan financial gold turned lending, "the dispute, as well as chaos in the banking financial services various torture. "I heard no,y8YqKcp1f7, Lee Ching owed on the loan Minsheng Bank billion, after he disappeared, Minsheng Bank to take more than a dozen bank customers money owed, this time created a hubbub." Said this time, Zhang Qiang (a pseudonym) patted Sedum House hung on the door of No. 2-19-2 chain, which is the former offices of Yongfu company. Looked through the glass door into the house, where already empty, leaving only a few characters Hubei Yongfu Investment Co. posted on the wall near the door at, and posted on the door of one of the property has been owned by creditors yellow Mr. management and use of inform. Zhang Qiang companies in Yongfu company next door, as Lee Ching-old neighbor, and everyone else, compared to Lee Ching once the story, he is clearly more concerned about the play between the foot caused by Li Ching banks and customers disputes, and how events will eventually end. 77.6 million yuan Elite how to change loan This relaxed attitude compared with spectators as one of the parties seem worried, he did not figure out until today, 14 million yuan of its own how to become a financial gold loaned Yongfu's personal loan, even very There may face difficulties down the drain. Everything also from November 2013 to start. That time, Han Feng Minsheng Bank branch in Wuhan Wuchang branch account manager to find Lu Chunming, said to recommend a high-end investment and wealth management products, the product is only for high-end customers, 10 million yuan initial investment of up to 11.08% annual yield. Lu Chunming, said Han Feng was repeatedly stressed that the Minsheng Bank financial products not only through the layers of review, the project is still the bank customer has closed the account back section regulation and Minsheng Bank opened a current margin pledged to do the repayment guarantee On the "double insurance", as well as real estate project customers facade and other collateral in Minsheng Bank, if the problem bank will freeze their accounts, depositors also the first paragraph. Minsheng Bank out of the trust, Lu Chunming has in May 6, 2014, May 22, June 6 in Minsheng Bank to handle the three amounts were 300 million, 8 million yuan and 300 million yuan certificates of deposit. "He (Han Feng) also told me that his family bought 30 million yuan." Lu Chunming added. Lu Chunming recalls, "according to Han Feng's request, I signed a standard format on a blank contract documents." At that time Han Feng did not prompt risk and liability blank contract, just turn the signature place for him to sign. It is understood that there are investors with same experience total 13, involving a total capital of 77.6 million yuan. What emerged was July 23, a message from the Yongfu company staff let and several other investors feel wrong, this article reads "Lu always, hello, you have money in the bank to the company pledge, now my boss has lost contact five days, please take care of yourself. " After receiving the message, and several other investors began to read out the contract and found that the content of the contract was actually investors borrowing to Yongfu company, and certificates of deposit for the Yongfu company guarantee. After the discovery, the 13 investors began to Minsheng Bank to say. July 25 afternoon coordination meeting organized Minsheng Bank, 13 investors were told, the legal representative Li Yongfu Partly with money lost to it! Lu Chunming, told reporters that because of Li Ching lost contact, Yongfu company insolvent, 13 people have few investment money has expired, Minsheng Bank will serve as pledged certificates of deposit have been planning to go. Loan contract and the guarantee contract suspense According to the investor's argument, Lu Chunming, Guo Xiaoming and other investors' money is used to buy financial products, does not know its own certificates of deposit in advance is the use of loans. But Minsheng Bank Wuhan Branch bite disagrees. Minsheng Bank Wuhan Branch Office official said in an interview, said Minsheng Bank for investment and the loan contract signed Yongfu company did not know, the borrower is a personal act, the two sides only in the bank for the pledge procedures, signed a guarantee contract, which It is a low-risk business of the bank. The official also told reporters, Han Feng is a client manager and financial manager is not in accordance with the relevant provisions, Han Feng is not selling financial products qualified. "Yongfu company to lend money to these people are Han Feng's customers, friends or relatives, Han Feng's father borrowed 30 million yuan to Yongfu companies, 13 investors are some of the same father and Han Feng, a listed Companies serving executives, there are some Han Feng's friends, so, this is a personal loan acts as a link, rather than financial products. "The official said. In this regard, Lu Chunming, and other reporters interviewed several investment per capita proposed Yongfu companies themselves and do not have any relationship, even if the recognition is not in the absence of any "insurance" in case of the several hundred thousands of yuan of funds lend Yongfu company, "we trust that Minsheng Bank." Several investors have repeatedly emphasized. During the interview, so reporters have been puzzled that the 77.6 million yuan exactly what belongs to nature? This is also the focus of investment and banking controversy. According to the investor's view, the money belongs to the funds to buy financial products, Minsheng Bank believes that the money the Department of individual borrowers. However,qjHy8R93fn, according to the contents of loan contracts and guarantee contracts show point of view, is not so simple. Specified in the loan contract, the borrower uses for working capital for the company, while the contract relating to financing the first paragraph 5 so provides, "Party (Yongfu company) to B (investors) in the bank out of personal term deposits 100% margin collateral, out of bankers' acceptances,louboutin femme, Party or obtain funds through bills discounting or direct payment of bills, the Party is willing to accept the ways of financing and voluntarily assume the discount interest. Party B is willing to provide personal certificates of deposit as collateral, and for freezing formalities". That is, first, the nature of the money the borrower, and secondly, the money to handle the certificates of deposit, and finally, this money became a bank to issue acceptances margin. "According to the contract term, then we are fools investors will own Yongfu company to lend to, and use their own money to provide security, where there is such a thing?" Lu Chunming think this is not consistent with common sense. Who have had many years of service in the bank experienced financial commentator Liu Xingcheng legal analysis, based on the role and acceptance of the contract, the three aspects of the relationship can be understood as, bank acceptance bills issued by lenders, borrowers Yongfu company Investment artificial guarantor, "the bank issued acceptances equivalent to a loan for a period of six months, in fact, investors in deposit certificates of deposit are not directly lend Yongfu company, but for the company to apply for acceptance Yongfu business conduct a guarantee. " APR for loan within the period, stipulated in the contract was 11.08%, of which 8% of the face amount of bank acceptance bills paid by the Party press out excess produce more than 8 percent interest on certificates of deposit by the Party of the breed. We must mention that in the loan contract, and no signature or seal of Minsheng Bank, Minsheng Bank, but the only mention of the terms is that, if the occurrence Party timely repayment of overdue, Minsheng Bank staff have the right to limit the margin of funds (investor certificates of deposit) account at Party without obtaining consent. Boss lost contact Bank "insurance" Why useless Let us go back to the beginning of the event, what Li Ching why suddenly lost contact? And Li Ching who had business with the trading company boss told reporters, Li Ching funding strand breaks, involving a total of not less than 300 million yuan in debt, now may have fled abroad. But the message has not been confirmed by the relevant government departments. Said Zeng and Li Ching has had a number of contacts "neighbors" Zhang Qiang told reporters, Yongfu coal trade is the company's main business, at the time of the coal market good,woolrich outlet milano, Yongfu company earned bowl full of pots full, it was provided in other parts of the country Many offices, employees nearly 100 people,PghjT7PlWw, Li Ching there are other investment abroad. "Until the past two years, the coal market downturn, Li Ching capital chain has a problem, before disappearing Yongfu employees owed three months' wages." After the incident, Han Feng Minsheng Bank account manager told the Wuhan Branch of China Minsheng Bank to submit a report on the situation in Hubei Investment Co. Yongfu instructions. The statement wrote: Yongfu company credit lines 8,000,louboutin pas cher,000 yuan in 2010, after expanding the scale of business, line of credit loans increased to 14 million yuan, 40 million yuan of loans in 2013. Yongfu company's sales in 2009 of about 14 million yuan, in 2010, 2011 annual average of more than 7,000 yuan,HL30RV0VdJ, about 250 million yuan in 2012, about 580 million yuan in 2013. Yongfu company's good credit record, no overdue record,moncler outlet milano, credit rating of A. To verify the authenticity of the material,, the reporter got the Yongfu company's annual audit reports and statements of assets and liabilities through the relevant channels, the resultant data and the information note roughly the same. It is worth mentioning that the removal of Minsheng Bank issued the acceptances of 77.6 million yuan, 40 million yuan loans Yongfu company still has not repaid. In terms of risk prevention and control, the parts mentioned in the note, the bank's risk control measures are real estate mortgage (mortgage rate of 98%), while an additional force Wuhan Railway Group Ltd. and Sinopec Baling Company (Yongfu company trading partners ) closed payment agreement, but added the actual control of joint and several liability guarantee Lee Ching. "Account would have been more than 5 million of water, only a few hundred dollars after the incident." In this regard, and several other investors have said that is unacceptable, "calmly say that those who say if the bank risk prevention and control system to enter into force, withdraw acceptances issued capital, the money we have in the bank is safe, but not like now, unknowingly, to help banks to take risks. " "Money change lending" reflects the financial chaos Certificates of deposit with a third person to do the pledge, and then issued acceptances practice exactly how to define? Minsheng Bank who are responsible for this explanation, similar to entrust loans, but a low-risk business of the bank. It is understood that these acceptances issued give Yongfu company trade company, for payment or cash flow. Reporter consulted a number of bankers and professional lawyers, the general view was believed that the meaning of acceptances equal to a sum of short-term loans provided by Yongfu company. Acceptances issued in accordance with the process, the applicant must provide the margin. A state-owned bank branch president analysts believe that this is a typical third person to do the pledge to issue certificates of deposit acceptances practices belong to walking a fine line behavior, "Bank client managers often use such an approach, both to increase the amount of savings, but not enough to help the credit line customer financing, banks can earn a fee, but if the situation can not arise receivables, risk tend to be passed on to the depositors of the body, so in principle, so the operation is not allowed. If the banks do not consent to ratification, acceptance can not be out of. " In the above case description provided by Han Feng is also the case mentioned: "The benefits of working this way is that, first, this can rapidly improve performance, as well as contribute to enhance the performance of branches; secondly,moncler Outlet, can introduce high-end customers, stable customer deposits; third, Hubei Yongfu to meet financing needs. " In addition to this description, Han Feng has also provided to an investor a separate e-mail format description of the situation, the note, the Han Feng mentioned to investors pledge certificates of deposit do for Yongfu issued bill business behavior, Han Feng has repeatedly asked the leadership of branches and branches, and has been approved. In order to prove the authenticity of the material, the investor provides a screenshot of the message and the sender's address. Han Feng also mentioned in this note, the reason for doing so is that Yongfu company expanded credit line application is not approved,t9LMeCuRPt, and the urgent need to find ways to help the bank financing. Financial commentators in an interview said that the bank would have been financial services investment business,rMlBPGm6ld, but commercial banks tend to engage in the actual operation of another set, the wealth management business is largely made of a high-interest lending business,VfoctWErM5, or in the absence of the loan amount The packaging loans into a trust business and financial services, commercial banks in recent years, a common practice in recent years has also led to a lot of trust products and financial products appeared payment crisis, the impact of financial market stability and security. Minsheng Bank official said, the current head office are involved in the investigation, how to handle the event to wait for the findings of the head office, but no matter what, will increase efforts to try to help customers recover losses. (Original title: Minsheng Bank "financial variable lending" Supremacy) 

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