The near future, leasehold platform stops network of countrywide much home one after another business. Some platform produce tall canal to break couplet even, run the incident of the road. For a short while, the money that many users invest hit water to float. Country many directors branch also phonates for many times early or late, the requirement undertakes rectifying clearing to leasehold platform.
And during this, a few media tighten up reason end at the fluidity on economic environment change and market, is its truth what kind of after all? Still have the other one side that does not tell for person place? To investigate the fact, reductive fact true colors, CCTV reporter hurries off to many areas of countrywide to launch investigation.
The first station of investigation is Hangzhou, this year in July, 10 days short in, once the much home network of gain considerable fame among one's contemporaries is leasehold platform falls into enemy hands in succession.
Above this announcement the network that with respect to out Hangzhou information of Kong Mingjin be in harmony serves limited company is leasehold platform (network of everybody love home is leasehold platform) : State the company wants benign Qing Dynasty dish, affirmatory partner, tall canal does not break couplet, do not leave.
So, actual condition after all how?
Clear dish of before 3 Tian Kongming finance announce to change an address
In acceptance do not break couplet, reality is nobody are received however listen. The reporter decides to head for the real office ground of this company. This leasehold platform is in on July 3, announce clear namely dish 3 days ago, issued a announcement, announce change manages an address.
Will change center of money of address gold dragon when the reporter the discovery when 17 buildings, was affixed on the gate an a paper strip for sealing, company name is cornerstone innovation company. Why the new address of Kong Mingjin be in harmony, keeping the name that cornerstone innovates however downstage?
Building security personnel: Do not have all the time here (Kong Mingjin be in harmony) this unit.
So cornerstone innovates, what is the concern that follows Kong Mingjin be in harmony after all? Cornerstone innovation is in charge of the staff member of business of the office that hire carry out telling a reporter, they and Kong Mingjin be in harmony concern without what.
In garden of Hangzhou city Shang Kun originality in company of Kong Mingjin be in harmony's former business address, the reporter encountered the staff member that clearing. The staff member tells a reporter, kong Mingjin be in harmony 4, took away May.
According to the view of property staff member, company of be in harmony is in Kong Mingjin this year 4, had taken away May. But the announcement of address change just was issued on July 3, so among them the time of two months, where does this company work? Whether had appeared capital crisis? In interviewing, the user of a few platform spoke his concern.
Kong Mingjin be in harmony (everybody loves the home) the network is leasehold platform user: Announcement is one paper crammer actually, it may win more for oneself namely, go changing the time of this capital.
Be really such?
The network is leasehold where does money of platform a huge sum go
Leasehold like such network platform, working principle actually very simple, platform can provide an user commonly a month or the project of short term loan of 3 months, the user is OK the capital actual strength according to oneself, choose a project, and the doorsill is very low, 100 yuan can be participated in. According to the circumstance of reporter control, up to now, leasehold amount reached accumulative total of company of Kong Mingjin be in harmony 23.2 billion yuan, accumulative total registers an user 1.73 million person.
Platform breaks couplet, the most anxious is investment user, a lot of people think the money that lends his wants to come back, and heretofore, user people just discover oneself are duped.
Through Kongmingjin the open letter of be in harmony ceases, a few users inquired his capital flow direction.
The odd to Zhang reporter that passes inquiry horse gentleman discovers, on June 19, his money is on platform, leasehold a company that gave Hunan Qi Dong county.
Qi Dong county corrects controller of family name pure water treatment plant to tell a reporter, oneself once had applied for loan to local loan intermediary, but did not succeed. Probable it is to be in that application process, divulged the Zhang name of own company, be used by other. For him proof, he came to a bank to reporter hair odd to Zhang.
Pass odd to Zhang discovery, on June 19, this company really brushstroke of enter an item in an account 499999 yuan amount. But same day, money was transferred, turn to a Shanghai for the most part among them limited company of science and technology of electron of 10 thousand Yichang.
That is to say, kong Mingjin be in harmony shows to the user is, their money borrowed this pure water treatment plant of Qi Dong, but actually, this water works is a cover only, money entered Shanghai finally the Zhang date of limited company of science and technology of electron of this 10 thousand Yichang. According to information of state enterprise credit fair the result that shows the inquiry in the system, the reporter dialed the connection telephone that this company announces.
Machine advocate: Often someone calls say this 10 thousand Yichang, I do not know 10 thousand Yichang are dry what.
Reporter: Had not then you joined this company?
Machine advocate: Yes, I had not listened at all.
In information of state enterprise credit fair show a system to go up, the enrollment of limited company of 10 thousand Yichang electron science and technology the Hu Qiao that the address is Feng Xian area always change road 1111, but be in place, the reporter cannot find this address completely, can visit a village only appoint meeting.
Village appoint meet a staff member tell a reporter, here does not have company of what electron science and technology. A few years ago, always change village incorporated with the village that greet dragon, before so called always change road 1111, the village greeting dragon that should be now always change 1111.
After many have enough to meet need, the reporter found this doorplate number, but not be company of what electron science and technology at the moment, however a civilian house.
Cover a region much, concoctive project diverts fund
Register a phone to be not contacted completely, register an address to be checked at all without here, limited company of 10 thousand Yichang electron science and technology are a what kind of enterprise after all, the money of user of company of Kong Mingjin be in harmony, why can you infiltrate their Zhang date? In whole episode, a what kind of part is what this company acts after all?
The Shanghai that the reporter heads for limited company of science and technology of electron of this 10 thousand Yichang to be in acts according to virtuous region market to control management board. In Feng Xian region market supervises management board reporter to understand, limited company of 10 thousand Yichang electron science and technology, often change a legal representative, and register an address however all the time continue to use more than 10 years ago, did not make revise. That is to say, anybody cannot contact this company according to publishing information.
Comb discovery, in this network on leasehold platform, the user inquires his account running water, those who see is a when lent Qi Dong the county money pure water treatment plant, and in fact, final it is this among them one major fund turns to Shanghai limited company of science and technology of electron of 10 thousand Yichang. But according to this company industrial and commercial register information, it is however " check without here " . Come so, the money of platform user knows whereaboutldirection far from.
10 thousand Yichang of Kong Mingjin be in harmony, Shanghai disappeared at a draught it seems that, this let a reporter generate question, correlation is had after all between these two companies, change in in the legal representative's file, the reporter found clue.
This year on April 26, the change of legal representative that limited company of science and technology of electron of 10 thousand Yichang has Shanghai, the legal representative that is replaced calls Ji Xiaozhong. Through our investigation, ji Xiaozhong still has a capacity, it is Hangzhou aperture the tall canal of bright finance. That is to say, user people the so-called project that see, just concoctive the false appearance that come out, after giving Kong Mingjin be in harmony money when the user, turned big round one, went to the related company that Kong Mingjin be in harmony runs high finally again.
In investigation, reporter discovery, such covering the road is used often.
Insider offerred another agreement to the reporter, by Shanghai the company of limited company of science and technology of electron of 10 thousand Yichang and a Ning Bo is signed. Mention expressly between this agreement, two company general in order to could there be a name of this company in each network leasehold platform applies for the loan of 1 million, this company remains Ning Bo 150 thousand yuan, the rest turns 850 thousand yuan to Shanghai limited company of science and technology of electron of 10 thousand Yichang.
Defalcate loan company is control of Kong Mingjin be in harmony completely
such, leasehold platform is in the network after the fund that obtains an user, depend on a without foundation concoctive the loan project that come out, in the easy to do related company that turns the money of the user to oneself, next two companies disappear at the same time. As the development of investigation, reporter discovery, for more secret earn ill-gotten wealth, these companies still were used even classification similarly politic, will divert fund.
In the public project that inquires Kong Mingjin be in harmony, the reporter noticed this calls He Taixin of Shanghai country brilliant the enterprise of limited company of material science and technology, the frequency of his loan is very tall. But chase after when the user when demanding fund, the accountant of this company tells an user however, the Zhang date of loan and actor aegis are by their head office billows rises industrial group to be controlled actually.
Accountant: The thing is not on my hand, know, this actor aegis. Whole our company business they are OK full-fledged member operation.
User: Be equal to saying is you the company is billows rises actually operating your business.
Accountant: Right, I am an employee only, the leader lets me how do me.
This accountant produced company running water, mix with Guo Jing in great quantities peaceful name, cong Kongming finance is leasehold the money that come, be turned went to company of company of travel of Zhejiang huge rock, photoelectricity of the division in Jiangsu.
User: Should I contact Guo Jing and peaceful is who will affirm this thing is returned you here decide namely?
Accountant: Affirmatory, can I still say lie with you, do you feel to be necessary?
That is to say, it is this Guo Jing and peaceful lend money in platform on name, but actually, this company also is a cover only, final it is backstage head office, billows promotes industrial group, divert the fund of the user to these two companies of Zhejiang and Jiangsu.
The reporter is comparative the legal representative of these a few companies and tall canal discovery, shanghai billows rises the executive trustee Lu Zhi of industrial group to build, li Min of Lu of thing of inspect of company of travel of Zhejiang huge rock, lu Li of legal representative of photoelectric of the division in Jiangsu is built; The relation of 3 people is very differ kind. And Lu Li is built or Kong Mingjin be in harmony (everybody loves a platform) one of investor when A annulus financing.
Insider tells a reporter, lu Zhi is built, Lu Li is built, Lu Limin is same an ancestor, same of a village. Next we go looking in their village. (Lu Zhi is built) a gang person that taking the village at that time comes out, include Lu Limin.
Be loan apparently is works of a water, result money went to the related company that Kong Mingjin be in harmony runs high; It is Shanghai country brilliant and peaceful lend money on the network it seems that, in fact, money is turned to the related company of investor of Kong Mingjin be in harmony again; Zhang turns to trade between regular corporation without can deny blame, but so much second to capital find out a result, it is the related company that went be in charge of oneself investor of Kong Mingjin be in harmony, high, such coincidence has some of odd really.
And be in July, follow Kongmingjin to be in charge of investor of be in harmony, high, relative network is leasehold platform, occurrence problem cannot of reimbursement exceeded 10: Finance of hundred of everybody love home, one, get together get the better of fortune, medium division gold is taken, economy of country of the conduct financial transactions of money of Qian Li of live wire conduct financial transactions, emerald island conduct financial transactions, fire, nut, home that send, nation, every day fortune.
The good and bad are intermingled monitors a problem platform 3 years 4800
Kong Mingjin is in charge of the investor of be in harmony, high, whether to violate compasses operation, use a network leasehold platform undertakes from be in harmony, the Qian Fang the user receives his waist pack, all these awaits relevant findings even. But investigate through the reporter, what we see is leasehold platform chaos resembles all sorts of networks: Mutual Gou Lian of a few companies, can escape superintend, random is leasehold. How should be such behavior defined? This is occurrent, be still widespread presence? How should superintend again?
Director of seminar of law of Bank of China is like Sa: This should be a drawer contract.
Reporter: How does drawer contract explain?
Director of seminar of law of Bank of China is like Sa: May saying namely is furtive an outcome that two people negotiate, can not put on mesa certainly. Such thing, if I am the person that self-discipline is organized or superintends constituent accreditation, if the lawyer goes looking, he cannot shine such thing to me to look for certain, he takes the thing on the face, it is to close of compasses. But actually, there still is a contract in the drawer you do not know, so this (superintend) very difficult really.
In August 2016, the branch such as ministry of letter of meeting, industry, the Ministry of Public Security issues the silver-colored watch at that time jointly " activity of business of orgnaization of leasehold message medium manages the network temporary measure " . Set a company, can borrow in a platform only 1 million, leasehold total amount does not exceed the network 5 million.
And once the company is in with the name of other company,each network platform have borrow or lend money, was to cross superintendency red line actually so, the risk will be inestimable.
Director of seminar of law of Bank of China is like Sa: If have inside this " cheat " , real perhaps capital flow direction is not the in that way word that you depict, that is suspected of criminal law 192, collect money crime of fraud, it is an accusation of criminal law of the heaviest banking.
Wu Zhen of secretary-general of committee of technologist of safety of national Internet finance tells a reporter, from the time that arrived 3 years 15 years in June till now, the problem platform altogether that monitors has more than 4800. Wu Zhen says frankly, the network of at present is leasehold platform really the good and bad are intermingled. Empty glove white wolf undertakes " from be in harmony " the net lends a company also no longer a few.
In interview, wu Zhen showed a few case to the reporter, excuse of a lot of platform protects the privacy of loan company, in contract agreement, the full name that concealed went to a company, caused the whereaboutldirection to loan authenticity, money to check with respect to have no way at all so.
And this is not the biggest difficult point, in the office, wu Zhen demonstrated to have the monitoring system here to the reporter. Track an analysis through publishing information, can inquire belong same legal person, perhaps have identical the company information of tall canal, and correlation is spent, make early-warning, but the related concern in reality is not so simple.
Leasehold to the network platform exceeds 10% at every turn year change interest rate, wu Zhen also has his view.
Wu Zhen of secretary-general of committee of technologist of safety of national Internet finance: The cost of capital compares photograph of bank of traditional banking orgnaization taller, its asset carries quality difference, itself scope is less, fight risk ability to lose, plus a few subjective ill will con, once appear problem, consequence is more serious.
(CCTV news)
