An Investigation By Private Lending Dilemma Jia Ruifeng Not “bad Money”
Yong Jia Ruifeng famous by the Wenzhou shoe enterprises Aokang Group as the main sponsor, the joint 9 companies jointly established with registered capital of 100 million yuan. According to relevant regulations, small loans from commercial banks, finance companies, but the amount shall not exceed 50% of capital. And so, never Jia Ruifeng and Agricultural Bank of China signed a cooperation agreement, which will finance 50 million yuan, but not deposits, can only wait and then release the money back to continue lending.
Since the second half of last year, Zhejiang enterprises played a more tragic.
Since June last year, the Group Golden Wu, Shaoxing Jiang Dragon Holdings, Zhejiang Hualian Sanxin Group and other companies have problems. Wenzhou Yun Zhu Jiguang light valve manufacturing company owner can not afford the loan shark as debt trying to escape, a new pharmaceutical company, Jinhua Zheng Ya-chun, head of the hanged themselves … … This year, the tragedy continued to play, shortly after the Lantern Festival, the media tycoon came Zhejiang Shi-Qiang Zhang Xi Chu as nearly 10 million illegal in Qingdao committed suicide.
Business failures, the boss disappeared, or life and death of SMEs in Zhejiang, this is unusual, but those many fallen since last year’s star has a lot of similarities: a large number of folk involved in massive loan-sharking, debt chain is extremely complex.
Debt in the end the whole number of Zhejiang enterprises? There is no exact statistics.
The advent of the financial crisis, under the existence of the debt has already begun to squeeze a lot of corporate profits and disposable capital. How do the vitality of private capital to play its due, and has a financing channel for SMEs, “lenders Ordinance” urgently introduced.
“I know there are risks, but do not know so much risk.”
2 23, then 60 of Jiang Yin, a coffee shop in Yiwu met with reporters, had just lost complete solution out of the hospital. Great pressure has been so weak to the body Jiang Yin, Jiang Yin thin, conceal his anxiety.
From January 22, the court heard a friend Ling Ping deposits from the public illegally sentenced to 4 years in prison since the message, Jiang Yin’s heart was reduced by a huge stone: he also put six million yuan Ling Ping, where the interest-bearing, as Ling Ping was thrown into prison, to recover the money when it can no longer hold much hope.
Addition to the 600 million foreign loan sharks, leaving Jiang Yin gripping, he also had to provide 30 million yuan Ling level of security, while the military at any time creditors can seal his court.
Once lost, Jiang Yin will face is that, even sell their business in Yiwu is still insolvent, and drag their loved ones.
Deadly temptation Reporter sitting in front of the Jiang Yin, haggard exhaustion. “I really regret it, just for the sake of interest, taking a big risk. In front of relatives are also not lift their heads.” Jiang Yin said.
With Yiwu, like most of usury, because the money into bank earnings is limited, but high interest private loans to the monthly interest rate of 4 hours, 5 minutes, some even as high as Qiba Fen, a huge temptation to make ginger Yin was on hand to lend to the six million yuan Ling Ping, agreed on 4 points of interest of 5 per cent as part of 6 million yuan in the uncle from Jiang Yin.
“Then put the money on Ling-ping, can be very time to get interest, but also the people around are so doing, she does not feel anything wrong.” Jiang Yin said.
Jiang Yin to the less regret that happened by the end of October 2006. At that time, Ling Jiang Yin Ping to find and tell Jiang Yin, because the needs of production and operation, to prepare a business to borrow 30 million yuan, chairman of the military closure. Ling Ping proposed by Jiang Yin come forward to guarantee the company run by his daughter.
“I would have had more than 600 million on him, I do not want to accede to this, there are risks. But he was looking for me, told me that he is very nervous of funds, if funds are diverted to non-opened My principal is not yet out of 6 million yuan, he told me to keep the corporate seal to steal my daughter out on the trip, signed and sealed by him on the line. “Jiang Yin Ling Ping was recalled frequently door, and did not realize the huge risk he has to close.
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