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Hebei high interest rate borrowing samples: investors or lose everything

Time: 2016-03-15         Source: Securities Daily         Author: Securities Daily

  Housing prices down the "domino" investors worried about the loss of money

At the end of last year, the end of the year, some banks in Hebei Province, there have been varying degrees of illegal Lanzhu behavior, which is in line with the prevalence of high interest loans in private

From the New Year's Day to the Spring Festival and then to the festive "February 2" dragon rise, investors Li Yuan (a pseudonym) almost no feelings of festive festivals, he can do every day to Hengshui "Bank letter Investment Guarantee Co., Ltd." Turn around and look forward to being able to redeem more than a year ago to stay in the company's "deposit". However, today, his desire is still not reached.

If the time can be reversed, Li Yuan will certainly not repeat the mistakes before the letter: in October 2014, Li Yuan investment in the silver letter "deposit" 500,000 yuan, the term of one year, agreed monthly interest rate of 1.5% in October 2015 , The so-called "deposit" expires, the sales staff told Li Yuan, the company's cash flow is not open, before the end of 2015 can not be honored, the specific time to pay another notice, that the news, Li Yuan as if lightning was split Stunned in the silver letter investment in the hall.

According to "Securities Daily" reporter learned that fall into a similar non-resident loans do not come back to the plight of investors more than Li Yuan a person. Hengshui in Hebei Province, belonging to the small town, only Yinxin investment in a company's investors on more than 100 people. According to Li Yuan introduced, like silver letter investment in this type of company, only he knew there are more than 20. From the second half of 2014, there have been a number of investment guarantee companies have difficulties in funding, "deposit" can not be redeemed at maturity, there are some investment guarantee company boss directly Paolu, so many investors lose everything.

High interest do baitOften "Lanzhu" succeeded

According to the "Securities Daily" reporter learned that in recent years Hengshui emerged many small loan companies, private investment management companies, financing guarantee companies and other so-called investment companies. Most of these companies are located in some bustling streets, so that sometimes only a few tens of meters long street will be able to gather four or five investment guarantee company. And from the second half of 2014, there has been one after another guarantee the company's cash flow difficult situation, some companies even collapse or Paolu.

Investor Mr. Wang told this reporter, "I lend a few years ago to a friend, he said he can be a high return, he put a few friends money together to deposit with the investment company, according to the monthly interest rate of 2% Month paid to us, a year later returned to my principal.As he has been on schedule repayment, I also followed to believe that these investment companies a year ago, I also selected a company 'deposit', the results' deposit I had to call the police and wait for the police to notice.

Local administrative police catkins (a pseudonym) on the "Securities Daily" reporter said, "before the civil borrowing between the dispute cases, most of the acquaintances occurred, but in recent years as we accept the investment guarantee company to improve, Civil loans have grown from 'acquaintances' to 'money money', and now they have formed a group of 'professional lenders' or 'sales managers' who are employed by various investment firms and sometimes earn Where the interest difference. "

According to our reporter learned that in this economically underdeveloped town, there are large and small loan companies, nearly 100 investment guarantee companies, in addition, there are more than 100 with "investment advice" words and engage in lending business the company. Investors come to these companies to meet them is a copy of the format of the contract, investors only need to fill in the name, investment amount and choice period, the investment company generally promised to pay interest on a monthly basis, repay the principal, and agreed interest And the principal of the collection account and name. But also on the liability for breach of contract, and even litigation costs, lawyers fees, etc., these format contracts are done in detail.

"These contracts look very formal," we also believe that the investment company will fulfill its commitments, Mr. Wang said.

Of course, the "seemingly formal contract" is not the most important reason why these investment companies often get the funds often get the most important reason, in fact, high interest rates is the most favorable push for private lending. According to our reporter learned that in Hengshui, private lending rate is generally between 1.5% -2% monthly interest rate. According to the monthly interest rate of 1.5%, deposited 500,000 yuan per month to receive interest 7,500 yuan a year is 90,000 yuan. In these investment companies, the general deposit amount of more than 100 million, monthly interest rate can reach 2% or even higher. Even in accordance with the monthly interest rate of 2%, 1 million yuan deposit, the monthly income of 20,000 yuan can be received, a year is 240,000 yuan.

Faced with such a high interest, investors really hard to say no You know, in Hebei Hengshui, ordinary office workers in the monthly salary of more than 3,000 yuan. 24 million annual interest rate, equivalent to an ordinary staff 80 months of wages.

According to the introduction of catkins, in recent years due to civil borrowing disputes caused by more and more alarm, from the basic situation of the parties concerned, the beginning is the majority of the elderly in the elderly, nearly two years in the bank and other financial institutions The staff of the work began to save money to the private lending company and eventually lead to disputes. Of course, there are indeed some of the investment company approval, supervision, investment standards are very strict, the operation was also good, and no default on investors, "if they are illegal to raise a pole to kill as if it is not appropriate."

Liu Qu said, "the temptation of high interest is too great, we have been reminded the masses, polish eyes, prudent, rational investment, not to be blinded by the idea of ​​riches overnight. In general, if there are 15% Above the annualized rate of return, the risk behind it has been great, but there are many people choose about 20% of the rate of return on investment companies.Some investors only consider the rate of return, regardless of the risk, so that some illegal companies can take advantage of , The most popular time, some investment companies or individuals committed more than 30% of investors annualized rate of return.

According to our reporter learned that the investment guarantee company does not belong to the financial regulatory authorities or local government supervision of financial institutions or quasi-financial institutions, but ordinary business enterprises, in the regulatory blank area, often in the "everyone can control, everyone regardless "The situation. And the public security department only in the investment guarantee company suspected of illegal fund-raising crime, illegal absorption or disguised absorption of public deposits or fund-raising fraud can be implemented when the investigation. Therefore, some investment companies will use the regulation of the blank, through the ultra-range operation, illegal high-profile Lan Chu, can not be honored when the pawn.

Investors "Debt Investment"But difficult to be paid

Under the leadership of Li Yuan, "Securities Daily" reporter interviewed some investors can not be paid.

60-year-old Zhang Ming (a pseudonym), before the money has been in the bank, in the square Liu Wan received the distribution of the leaflets to know the "silver letter investment guarantee company." "At the beginning of my heart did not end, but came to their business department, the company decoration luxury, clerk kept talking to me about the company approved by the Provincial Administration for Industry and Commerce, the registered capital of more than 50 million yuan, But also the clerk also introduced the investment company's boss more than this company, next to the upcoming opening of a real estate is his industry, he is '** Real Estate Development Co., Ltd.' legal person. , Even if the final investment company business does not go, at least there will be a house mortgage to me so I saved 300,000 yuan, signed a year contract, monthly interest rate of 1.5%, 1 month to call me 4,500 yuan interest. But at the end of January 2015, the clerk told me that my company 's cash flow had difficulty advising me to renew my one - year contract or pay the interest on a monthly basis.

Zhang also told this reporter: "At that time I did not rush to use the money, did not communicate with the surrounding people, vigilance is not high, to renew a year contract.Who thought until May 2015, the interest did not hit on time To my bank card.I call the clerk when asked, the clerk advised me to wait and so on, but also said that if I do not want to wait, you can get a house.He told me that the company owner of a real estate there are some units also No sales finished, you can let me give priority.If the amount of 300,000 yuan remaining to continue in accordance with the original contract, if the 30 million is not enough, I need to fill their own balance. I went to the real estate turn to pick The units are not too mind, but also let the matter, continue to keep the money.

Zhang Ming then explained: "Since then, after two months my heart is not practical, afraid of the last money did not, the house did not, and went to the clerk. Under the leadership of the clerk, go again That real estate only found that only large units and shops can be selected, each house are close to one million yuan.That is to say that if I choose to house, they have to pay about 50 million can, but after the house can Can not sell or a problem, the other I can not get 500,000 yuan.

Another citizen Wang Hua (a pseudonym) and Zhang Ming as a temporary fall into the dilemma of investment. Through a friend, she will be 500,000 yuan deposit to "financial guarantee limited company", monthly interest rate of 1.5%. In the deposit that more than 100 million, the monthly interest rate can reach 2%, she borrowed 500,000 yuan to friends, and promised to pay friends after a certain interest. However, after the expiration of the contract, the principal did not hit her card. When she went to invest in the company's facade room asked, only to find the financial guarantee Co., Ltd. has long been people to empty.

Wang Hua then choose to report, but the police told: "has received a number of reports related to the company, although it has begun to file for investigation, but can recover the loss is not good to say." Now Wang lost more than their own 50 million principal and interest, but also bear the debt of more than 50 million.

Of course, there are very few investors because of the early and seem more "lucky", the public is one of Mr. Zhou. He told the reporter: "I seven or eight years ago began to save money in such investment companies, one after another, the beginning of the funds only 10 million, then higher interest rates, can reach 3% per month. After the expiration of I do not take out, and then add a few million to save another year, although later fell to about 2%, after a few years actually enough to save more than 100 million last year, the child ready to study abroad, I removed The vast majority of the remaining 200,000 yuan and then save a year.Although many companies now have financial difficulties, my 200,000 yuan may also be difficult to get paid, but in general there is no cure.

House prices downstairs"Domino"

"A few years ago when the real estate market is hot, even the money to get together to dare to develop the project developers are a lot of people," a person engaged in the development of real estate business in Hebei told the "Securities Daily" reporter, Before the scene placards may even land transfer payments are not paid, the first part of even if the 'buy land', and then to find investment, or joint development or direct fare increase on the move may be a project has not yet liquidated, the developer's cost Has been withdrawn or even the benefits are expected, the next similar project can continue to start.

With the recent two years, three or four lines of urban real estate industry downturn, the project sales back to the cycle of more and more long, all aspects of supervision to strengthen, many banks, trust companies and other financial institutions have begun to say " "

A trust company staff told the "Securities Daily" reporter: "Housing is a large customer, the size of the funds needed to 'billion' as a unit, while the housing business profit margins relative to some of the traditional industries are higher, can withstand higher Of the past real estate projects have been the focus of our attention, but the past two years our company has stopped lending to small - scale real estate enterprises, real estate business financing business than the previous scrutiny strictly.

In this context, some housing prices because of financial difficulties helpless will turn to private lending. From thousands of people or even more people in the hands of high interest rates to absorb the operation of real estate projects model also came into being, different sizes of investment guarantee companies, small loan companies are more and more open.

This reporter went to Hengshui a busy location for field visits. According to the business outlets near the business, "in this lot, the upper and lower layers of 120 square meters of shop rent is about 20,000 yuan per month, decoration cost 100,000, Printed some publicity color pages, to attract more than 10 can say the salesman, the basic salary of about 1,500 yuan per person per month, the total investment of more than 40 million yuan.Every month each salesman usually can Lanzhu 100 million, 400,000 early "The investment is nothing at all, and an investment - backed company is starting to do so.

According to the "Securities Daily" reporter learned that in Hebei Hengshui, a lot of housing prices for the convenience of financing, but also registered the investment company's own business, eliminating the need for a lot of intermediate links.

These investment companies are generally to recruiting funds to the real estate business and some related industries. As the first two years of three or four lines of urban real estate industry downturn, construction, cement, steel and other fields are also involved. Real estate business funds break, leading to investment guarantee company back to the difficulties, the ultimate injury or life savings are taken into the investors.

Housing prices are faced with high debt ratio and low back to the rate of double pressure, the emergence of funding problems and downtime, domino effect has been generated.

According to a salesman of "Yinxin Investment Guarantee Co., Ltd.", "Our company's boss also has its own real estate company.There are some projects under construction are currently applying for pre-sale permit, documents to do Qi, after the sale of the project at this stage The capital problem will be solved.We do not have the boss, will not Paolu, just hope that we can give a few months time to solve the funding problem.

Subsequently, the "Securities Daily" reporter asked the clerk, the so-called pre-sale permit when to be successful, the clerk replied: "The specific time is not good estimate, according to regulations, in addition to land use rights certificate, construction Planning permits and other certificates complete, but also the main structure of the cap can be handled for the pre-sale, but now also a layer of cap on the emergence of financial difficulties, the project has been suspended, the boss can only raise money, but the problem will be a way fixed."

Our reporter questioned the clerk's statement: "real estate project is not always there is a funding gap, intends to use the next investor's funds also on a due date?"

The clerk responded that "certainly not, because many projects have not yet hit the foundation has been started to sell, the development of funds will soon be able to return, so there is no financial constraints, many developers have done this before.

The staff also explained: "As a result of individual investment company boss Paolu, the recent emergence of crowded tide, investors did not expire to come to inquire, requiring early termination of the contract, exacerbated the company's cash flow difficulties. Hope that we can not hesitate, give us a few months to solve the problem.

According to "Securities Daily" reporter a rough estimate, Hengshui keen on private lending business list, real estate developers or their affiliated enterprises accounted for more than half. In addition, the real estate industry's difficulties also directly affect the downstream industry, resulting in a chain reaction. Some construction companies, cement companies, mixing stations, steel companies, and even doors and windows processing and other small businesses have also been a direct impact. And part of the real estate project downtime and project arrears have a direct impact on the employment of many migrant workers, while triggering some buyers panic, we began to worry about their own house to buy a house.

A real estate industry practitioners told this reporter: "In recent years, from the private absorption of funds to become a number of housing prices an important channel for rapid financing of the real estate market is good, these high interest rates can support the healthy development of the company even Expansion, but with three or four lines of urban real estate market cold, high interest quickly crushed the developers.

Bank Lanzhu difficultDevelopment loan tightening

In the past, at the end of the quarter, at the end of the year, banks in Hebei Province had different degrees of illegal Lanzhu behavior - deposit returns or deposit gifts. This is in line with the prevalence of high interest loans in the private sector is not unrelated.

As a large number of private funds into the high interest rate of investment management companies, banks have to publish various types of "Huimin" policy to attract depositors. These include raising interest rates, rewarding savings, giving in kind or cash, but even such activities are only attracting some relatively conservative investors.

Some investors are worried that the deposit in the investment company will be "bamboo basket of water," but still can not get the high yield has been. A citizen told the Securities Daily reporter, "Now I almost no one around the money in the bank, even the bank staff is no exception."

There are also rumors that there are individual bank staff, fictitious loan agreement from the bank cash, into the investment guarantee company, earn high interest. Now, the contract expires, the investment company can not return the principal, causing the incident.

In this context, the banks naturally have to take into account the real estate industry loan risk. According to a bank staff member: "Our bank's internal classification, the real estate has been included in the credit 'blacklist'. Some of the better operating prices, now have the credit line mainly from the past has not been used up But we do not make it clear that we can not be approved, but the review of the trend and the longer audit time also makes a lot of housing prices take the initiative to find another way.

According to our reporter learned that some banks have issued an internal notice, requiring all employees to "employees involved in private lending cases risk" special investigation work. On the one hand, how many employees or employees' families are involved in private lending and whether the statistics have been lost; on the other hand, all employees are required to approve loans to investment companies or enterprises that do not meet the conditions for credit approval.

Investors expect than developersThe spring of the real estate industry

As more and more investment guarantee companies have cash flow difficulties, some investors in Hebei Hengshui appeared in the panic, some contracts have expired investors simply choose to sue the court. However, because many investors signed the contract on the annual interest rate agreement has more than 24%, triggering a lot of controversy.

September 1, 2015 the implementation of the "Supreme People's Court on the trial of civil lending cases applicable to a number of issues in the provisions of the law," there is such a note "borrowing both sides have agreed on the overdue interest rate, from its agreement, but not more than the annual interest rate 24% limit. "In the event of financial difficulties or Paolu several investment companies, many companies agreed on the annual interest rate is about 30%, the court also first to take a mediation approach.

Some investors worried that the guarantee company simply unable to repay, and finally the cost of litigation and enforcement fees are drifting, do not want to easily prosecute.

According to the "Securities Daily" reporter learned that a large number of investment guarantee companies in the case of financial difficulties, including real estate or other industrial background of the company's legal person have come forward, "will solve the financial problems as soon as possible, will not hurt the interests of investors "

However, China has an old saying is "pocket for security", as long as the investment has not yet returned to the hands of the investor's heart is difficult to really settle down. In the helpless waiting, many investors even more than developers looking forward to the real estate industry spring.

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