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Loan is a traditional financial business, whether the enterprise that extends loan to be badly in need of truly, whether call in as scheduled loan, run a state basically what mirrorring a bank. Emphasize repeatedly in the center of, should prevent control financial venture, if know brushstroke loan has hard injury obviously, ignore a risk even, violate compasses extend, the situation that faces then cans be imagined.
Recently, the sound that Henan is stationed in an estate Shang Xuxian of equestrian inn to be born to China is mirrorred, before half an year, he because financing is difficult, want to use the name of other enterprise, to business of week mouth town water farming commercial firm lends money. But in loan process, encountered trader however of water farming commercial firm " beautiful type " violate compasses, for instance nominal borrower has undesirable impose use of borrow or lend money of two letter, contracts compasses of disagreement of utility of different, loan is waited a moment. However, even if exposes so sufficient condition to fall in the risk, business water farming commercial firm still extended to borrow money this sum, and whole episode, happen in strong thrust of the silver-colored meeting that keep watch to enter be on guard dissolve financial venture job 2018.
Borrow a loan, 25 million by " still borrow in order to borrow "
Xu Qingxu is Henan is stationed in equestrian inn always the effective control person of abundant estate company. He says, 9 years ago, the capital of the company is critical, but even if has house property on mortage, lend a money very hard also at that time.
Xu Qingxu: "Loan is very difficult, owe family project money, the family has stemmed the door child dun, anxious below the circumstance that does not have method, credit member offerred to us (method) , can take poundage to the family, the someone helps borrow, (formalities) some faster. (formalities) some faster..
Xu Qingxu says, he passes much square flounder to match later, the well-off of legal representative king that is called limited company of industry of glass of Henan Kang Heng with a of week mouth city is contacted. One signs the agreement on October 9, 2018 to show, contract both sides is city of the limited company of industry of glass of Henan Kang Heng, inn that be stationed in a horse respectively always abundant estate develops limited company. The agreement in the contract, xu Qingxu with its actual pilot always the 155 flatlet house of abundant company, nearly 6500 house property of smooth rice are on mortage, with the name of health constant company, from business water farming commercial firm borrows money 25 million. Lends money, must sum is collected always on the account that abundant company assigns, always abundant company criterion Xiang Kangheng company is one-time the fee that pays 6 the point serves as recompense. Xu Qingxu says, did not pass how long, business water farming the state that the staff member of commercial firm comes round to understand pawn, at that time, bank respect lends a name the behavior of loan to this, be complete know the inside story.
Xu Qingxu tells Chinese sound the reporter: "When he comes, I ask their guest to have a meal, I say this money is borrowed we use come out, this credit member know. This credit member know..
Always one when abundant company side offers happened on November 20, 2018, with at that time the business of agency this matter credit of water farming commercial firm member the communicating of Zhangxin sea in recording, zhang Xinhai has such view:
Zhang Xinhai: "What I report to the leader is money he is used twice, mortgage honest other people said directly, money does not let the case that he uses fall, he was not willing to mortgage, terminate a contract. You say so to my former word, I former also word gives a leader the report so. I former also word gives a leader the report so..
Last year on December 13, business water farming the section chief that a king surnames commercial firm, also have similar view:
Wang Ke is long: "When making pledge, before having a meal, see the inn that be stationed in a horse farming of commercial firm, you say, wang Zong is borrowed come out, I let use after coming out use, I say this loan is special, I say Wang Zong wants to have circulating fund, the issue that you arrange surplus capital under the counter, my bank won't provide this job. My bank won't provide this job..
Because face close the end of the year at that time, after the Xu Qingxu that is eager to spending money asks with all possible means, be informed, loan is approved came down, but this loan of 25 million, he is not used went up. Because of pay off of this money in order to health constant company was in 2016 business water farming the brushstroke that commercial firm borrows 20 million yuan loan, that is to say, repay with new loan old loan, perhaps say to cry " still borrow in order to borrow " .
Xu Qingxu tells Chinese sound the reporter: "After we listened to this money to do not have very anxious also, because arrive immediately the end of the year, the farmer is versed in salary was not sent, search at once, look for bank bank not to see us, look for Wang Xiaokang to contact a phone to be not received, say we break the law, you go accusing us, do not see us, I ask through others, the business water Agriculture Bank that just knows original Wang Xiaokang is owed has the loan of 20 million, he gives this loan of 20 million directly returned, accrual is 300 much, returned the loan of 20 million namely, returned 300 much interest again. Returned 300 much interest again..
That is to say, xu celebrates company of Xu Heyong abundant to want to lend a name loan originally, a minute of money is trashy as a result arrive not to say, the 6500 house property of company of smooth rice still became the pawn of the bank. Xu Qingxu is much all the time channel reflects business water farming commercial firm counts 10 thousand yuan of thousand loan to deal with a process to break the law mediumly in this violate compasses problem. At the beginning of this year, the substation of Zhou Kou of bureau of Henan silver-colored inspect that has superintendency responsibility gives out answer, maintain among them, business water farming commercial firm is put in much place to violate really compasses.
Business water farming commercial firm " beautiful type " violate compasses one: Put before borrowing, did not fulfil his duty to investigate
Our country " commercial bank law " specific provision, the commercial bank borrows money, ought to be opposite the loan utility of borrower, repay the circumstance such as means of ability, reimbursement undertakes be checkupped strictly. The first office that substation of mouth of week of bureau of Henan silver-colored inspect holds is violated compasses be business water farming commercial firm is when the investigation before borrowing, to the circumstance such as the financial condition of legal representative and management group and sponsorial assurance the qualification is mixed the circumstance such as ability did not fulfil his duty to investigate.
Ever began of agency this matter always Hujinxie reflects abundant company staff member, after the accident, they just know, health constant company manages not to be pooh-poohed, and drag in removes legal issue to how: "His that enterprise understands on us later, but big plant, be endowment not the factory of pay a debt in kind or by labour, it is empty, he has been owed a lot of. He has been owed a lot of..
Last year in December the middle ten days of a month, acoustical reporter Ceng Qian of China investigates this matter toward business water county, in workaday working hours, the reporter did not discover health constant company has manufacturing sign, personnel of a security personnel also sees only inside plant area. This security personnel personnel says, the company basically produces management automobile glass, production works overtime when somebody wants money. But, many circumjacent masses is mixed business door has opposite view.
Personnel of around selling office discloses: "By day also nobody, basically follow close down about the same, did not produce very for long.
Circumjacent masses also tells a reporter: "Did not leave all the time rise, several years, do a cover to put aside that, occupying (place) , did not work. " " glasswork did not work early, this boss does not do him to also do not sell, last year (2017) stopped " .
And the condition that substation of mouth of week of bureau of Henan silver-colored inspect maintains is, this enterprise is managed normally, belong to order pattern to produce, nonexistent close the circumstance that close down.
The business water that does not cross 2000 meters with the linear distance of health constant company in lobby of business of prefectural farming commercial firm, paste " Henan saves farming letter company 10 forbid " , among them the 4th is, the client that prohibits undesirable to having credit extends loan. And business water county farming in that loan contract that signs between commercial firm and Kang Heng company, also make clear an agreement, borrower reachs his to accuse a partner to have good credit.
However, according to the investigation state of affairs of substation of mouth of week of bureau of Henan silver-colored inspect, of this 25 million loan extend date was on November 15, 2018. Putting after borrowing 18 days, health constant company fulfills ability because of having and refus does not repay brushstroke 2.43 million yuan money, and be saved by Henan too court of health county people includes break his promise to be carried out person list. More important is, before this loan contract is signed two many months, in Kang Heng the company holds a well-off of legal representative king of 70% , by Zhou Kou city plain collects division people court to include break his promise to be carried out person list.
And also say in the answer material of silver-colored inspect branch, the legal representative that the staff member that agency borrows money this sum says to he has heard of health constant company has a case, but specific not clear.
Business water farming commercial firm " beautiful type " violate compasses 2: Compasses of loan utility disagreement
Silver-colored inspect branch holds business in the conduction process that water farming commercial firm borrows money in this, the 2nd problem of existence is, compasses of loan utility disagreement.
Always one when abundant company offers originates the loan contract of archives of the praedial center that register shows city of the inn that be stationed in a horse, health constant company to business loan of water farming commercial firm 25 million yuan, loan date comes from October 9, 2018 on October 9, 2019, loan utility is buy raw material.
At that time of agency this matter always Hujinxie says abundant company staff member: "The thing writes well, loan utility is to buy raw material, because the bank borrows money now, advocate credit side, guaranty square, buy tripartite raw material next, we appoint tripartite, because pawn is ours, 25 million what borrow, according to the number of tripartite Zhang that we assign, we also signed the contract that buy goods, buy a thing namely, I looked for a glasswork again. I looked for a glasswork again..
But, substation of mouth of week of bureau of Henan silver-colored inspect moves the business record that reviews this loan, archives material shows, of this loan " Henan saves requisition of business of credit of farming letter company " , " report to assess of grade of public client credence " , " loan contract " , farming commercial firm and shareholder of Kang Heng company are met in the many data such as resolution, loan utility shows for " solve undesirable " , and, in business archives " loan contract " , with city of the inn that be stationed in a horse tone takes muniment room of the praedial center that register " loan contract " it is same a number. That is to say, same the loan contract of a number, on loan utility, appeared to differ badly. Why can loan contract appear " yin and yang two pieces of faces " ? Business water farming the explanation that commercial firm makes to superintendency branch is, anxious at that time, the fault is written into " buy raw material " .
The place to go of this money that superintendency branch holds is, among them 2100 use at bad assets of company of displacement Kang Heng more.
Always abundant company controls person Xu Qingxu actually: "Business water bank is to break the law badly put borrow. Actual loan utility is to buy raw material, the result often still borrowed money. His loan of 20 million, accrual 300 much, had become bad loan, the country sets even if do not allow to take borrow newly often still borrow, you often still are borrowed must get those who make guaranty square know you are dry what, the bank also did not tell us. The bank also did not tell us..
25 million yuan loan, where to go to after all?
In fact, acoustical reporter of China investigates discovery, in business of displacement of this so called loan, put in the place that justifies oneself hard: That is, this 25 million yuan loan, where to go to after all?
According to the investigation conclusion of substation of Zhou Kouyin inspect, these 25 million yuan loan, on November 15, 2018 loan, after circuit turned on tripartite account, turned that day return business in account of water farming commercial firm. Among them, more than yuan 21.31 million are used at bad assets of company of displacement Kang Heng, 1.81 million multivariate entered business the income course of water farming commercial firm. These two aggregate 2300 much, still have 2 million yuan gap, did not show whereaboutldirection. In investigating conclusion, still have a bit important, health constant company is in before this business water farming 20 million yuan of loan of commercial firm, in already normal on October 31, 2017 settle.
If the loan before this had paid off health constant company 2017, that these 25 million yuan new loan, it is to be used at company of displacement Kang Heng far from the old loan before this, where is it used again? Why to say new loan turned in the investigation conclusion of bureau of week mouth silver-colored inspect circuit, returned business again that day the account of water farming commercial firm, turn this circuit, is the purpose in?
This Zhou Wu, the reporter heads for business water farming commercial firm, the careful that with respect to this the pen borrows money 25 million yuan is wholesale put a problem to undertake interviewing, the chief of the office says, chief of division of the member that include credit, credit, farming commercial firm controller waits a personage a moment to all be absent, cannot solve the relevant problem of concerned this matter.
And week mouth substation is in the bureau of Henan silver-colored inspect that serves as superintendency branch answer always says in the correspondence of abundant company, already to business water farming commercial firm was adopted see the talk superintends measure about, depend take further step. But Xu Qingxu says, up to now, this many place is violated compasses extending loan, still did not get corrective.
Xu Qingxu tells a reporter: "After we know this condition go with respect to the mercury that tell dealer, break the law put borrow, want to answer our pawn, we still borrow money afresh, good return peasant worker pay. Good return peasant worker pay..
Great strength is on guard below centrally the crucial moment that dissolves financial venture, business water farming business is in more to why not hesitate all right violate compasses, should also extend this 25 million yuan loan? Chinese sound will continue to pay close attention to.
