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The author:(作者)aaapublished in(发表于) 2013/12/18 9:45:06 Bosses of private enterprises that fall dead continued， Hunan Province： hundreds of people demanding amounts exceeding billion yuan
The evening of December 13, in loudi city, Hunan province, Chairman of the star group xiaozhong, Dan, looking from the international community falls to death, the police ruled out murder, but did not clear the accident or a suicide. Wang, Chairman of Xiangtan City, this is the hang Dong group test of loyalty after the suicide, the second entrepreneur of unnatural deaths in Hunan series events.
Hang Dong group is similar to the test of loyalty the King, looking xiaozhong companies operating private lending involving hundreds of people. Yesterday, hundreds of people came to the creditor registers with the Star Group offices, police at the scene confirmed registered, amount of borrowing more than billion.
According to the Audit Office in Changsha Office Ou Tao article published in May this year showed that loan size over billions of dollars of loudi.
Private enterprise Fund's troubles, as well as how to standardize the civil loan, after the deaths of several entrepreneurs, attracted much attention.
Without warning, death
Looking xiaozhong's death without warning.
With star group, a female employee told the South Reporter yesterday, the day of the incident, xiaozhongwang still in the Office serving the customers and bring customers to visit the company. Loudi City economic development zone, the press center will also introduce after the incident, the zone with Star Group executives to understand the situation, Vice President of the company is unexpected, said the company's recent works, unaware that Shaw of the anomalies.
Stars group except for the star meter industry, also including Tunisia soft-seed pomegranates company, Star media, star with star real estate company, with restaurants and so on. The group said, several subsidiary companies there are no big changes in the near future, nor site debt creditors.
With Star Group Office is located in loudi city, Han Lu Danfeng international community podium. Live interview with media reports, around 13th, district head of Shaw's truck rolled into the plot, it didn't take long, a young couple came to inform him that a man was lying on the floor, b building, the former, don't know whether it is drunk. He went to see and saw a man lying on the ground, because it's already too late, he returns to the security room to get a flashlight, carefully looking after they recognized was Shaw. See Shaw, head bleeding, Captain of the security police, then 110, 120 agents arrived, confirms that Shaw had died.
Yesterday afternoon, involved in the disposal of the police at the scene said the Shaw man had married three times, and members of their families is complex, there is no family member telling Shaw's cause of death. His son-in-law did not answer the telephone, at the same time through zone in loudi, said currently unwilling to accept media interviews.
From selling rice to the media
Xiaozhong look with star group run by its founder companies, basic industries for deep processing of rice. Posted in loudi zone with star rice industry company information, with star rice industry was established in 1993, 2003 located in loudi economic and technological development zone, is the largest of the science and technology of agriculture provincial loudi currently leading enterprises.
Loudi zone site public information displays, with star meters, total assets of 1.200 million dollars, of which 70 million yuan in fixed assets, is the focus of State administration of grain and agricultural development Bank of China to support the backbone of food processing enterprises, upgrading dynamic grain reserve storage units. Companies for four consecutive years by the agricultural development Bank Hunan branch credit for a grade credit enterprise, was named financial integrity enterprises in Hunan province.
Based on the rice industry with stars, xiaozhongwang and has created real estate, Star media, with the same star with the star restaurant and many other companies. With the star group employees, looked with xiaozhong group shares accounted for more than 99%, only 1% shares held for her daughter is not. In addition to Shaw's son-in-law, works with the star meter industry, other subsidiaries to hire professional managers take care of it.
With star group magazine statistics show that by the end of 2011, Star group with total assets of 539 million Yuan, sales income of 250 million Yuan, the company employees about thousand 2011 taxes of more than 13 million Yuan.
Pomegranates is with the star group in 2009, started the project. It is understood that the xiaozhongwang in 2011, the company has said in his speech, to the project as the company's main business is rapidly become bigger and stronger, planning planting 50,000 acres for development within five years. 2012-is said in the introduction of the company, the annual 70% fruit trees bear fruit already, will produce more than 8,000 tons of annual output is expected to reach 640 million Yuan.
As with the pomegranate project, with the stars looking media is another xiaozhong attached great importance to the new growth projects. Set up companies to choose the October 2011 in Changsha, due to get the Bank's security video exclusive, target with the star is the only bank advertising media company into a national video-biggest operator.
This project means a larger capital investment. Star Magazine says media project total investment of more than 1 billion yuan funding important initiatives is to ensure that the project be expanded funding to speed up construction. According to information, the company planned a variety of financing options, and has entered into a collaboration with more than more than 10 finance companies. Summary of xiaozhongwang at the 2011 annual General Assembly in the report, has entered the first issuance of bonds for one of the ten enterprises in Hunan province, plan to issue corporate bonds of 60 million Yuan.
Mentioned in the summary of the pomegranate company in 2012: "at present, the company has no bank loans, all construction money from Star group, due to funding, funding sources and narrow, resulting in construction funding, the funding gap bigger. ”
Lending of more than billion
It is understood that the star group in Bank lending does not, in the face of these two promising projects, private lending may become an important source of funds.
Xiaozhong looked after the accidental death of consecutive days with a large number of people came to Office with the star group to register claims, and yesterday afternoon to claim the applicant alone, more than a hundred people. Police in maintaining order at the scene described, currently has registered more than hundreds of people, registered, claims more than billion.
More name unwilling to revealed name of claims declared people to South are reporter introduced, they more is based on and with stars group employees knew, and through media reported knows with stars group operating of agricultural project are is Government support encourages project, more understanding to Shaw is in loudi city, NPC representative, heart operating enterprise, no personal squandered, and hobby gambling, bad habit, thus assured will money lent with stars.
Those claims declared or with Group staff. A female employee told the South reporter, xiaozhongwang tried to take private-equity funds, but without the employees agree and the project was dropped, but he encourages employees to lend money to companies, while encouraging staff to promote the company, raise money to the society. Many claims Declaration asserts that they were hearing the same star after company employees, will lend the money to the same star.
South are reporter to multiple claims declared people understanding to, they lent with stars of amount from tens of thousands of Yuan to tens of millions of Yuan ranged, more in hundreds of thousands of Yuan Zhijian, monthly 1.5%-5% ranged, more in 2%, repayment term more for a years, also has IOU displayed for with take with also, that creditors at any time can requires repayment, interest years knot and months knot ranged, IOU Shang more cover has with stars group seal and the xiaozhong looked personal seal.
These borrowers from all levels of society, according to its introduction, except for star employees, local farmers, hotel staff, as well as migrant workers, the self-employed, many of whom family involvement. Woman says she and sister to spare himself, his mother's pension money rustle of 1 million Yuan loaned the same star, now this has happened, and are afraid to tell family members about mental under enormous pressure.
After xiaozhongwang sudden death, these borrowers to gather daily at the same Star Group Office, registration of claims and to discuss countermeasures. Many people said they worry most about with star group deaths due to Shaw's bankruptcy, led down the drain, and hoped that the Governments of loudi, helping with the Group continue to operate, so they want to get their money back.
Large number of creditors have faced enormous pressure of loudi City economic development zone. A few days of the incident, the zone called a meeting in a row to discuss the subsequent disposal issues. News economic development zone in loudi city in charge, development zone has set up three panels, the main job is to keep the same group continue to operate, and to avoid the transfer of assets, while maintaining stability.
Private lending in loudi active
On the 4th, lengshuijiang under the loudi Public Security Bureau issued a reward notice Huaneng enterprise investment in the company's legal representative and General Manager suspected of fraud in financing to abscond, is the incorporated Bureau Economic Investigation Brigade on the incorporation of pursuit-evasion. Yesterday a number of creditors, also known as, learned that the case of lengshuijiang city, they had to worry, had told the group that hopes to return to borrowing, but toward the end of the company's cash flow problems, based on trust with the company at the same time does not persist. Guessed that soon looked accidental deaths of xiaozhong, the creditors are too late for regrets.
As with domestic cities such as Wenzhou, lending in loudi is not uncommon. According to audit stationed in Changsha Commissioner Office Ou Tao this year May published Yu Wuhan financial under of a article investigation articles displayed, according to about sector of data statistics and the sample, currently in loudi city, civil borrowing total scale in 10 billion yuan around, on 39 home production type enterprise of investigation displayed, occurred civil borrowing acts of for 14 home, into total amount for 48.52 million Yuan, which industrial enterprise 5 home, and farming, forestry, animal husbandry, side-line production and fishery 1 home, construction 2 home, wholesale retail industry 6 home, enterprise scale Shang, big medium respectively for 1, and 3, and 10.
On the specific way of financing, it states that the interest rate between 1.5%-cent, dominated by 1.8%-2%, financing renders diversified investigation to shareholders of the enterprise and corporate finance 22%, to lending institutions and social finance 38%, personal finance 18%, main purpose is to add liquidity to finance, within one year of the term 76%.
Described in the other article, survey of financing companies in 2012, 3 in loudi MCCs total external financing by about 4.900 million Yuan, is 370 households outside financing, 8 2012 total external financing is about 200 million Yuan investment company, 192 households involved.
For the development of private lending, and article said that after 2010, affected by the financial crisis and the national macro-policy impact, private borrowing rates rise year by year, and significant benefits to private lending companies have emerged. By the end of 2012, loudi city, approved by the Commerce Department's investment, mortgage industry civil institutions reached 102, registered capital of 1.84 billion yuan in 2009, and 135%, respectively, higher return on investment mainly to real estate, mining and processing and real estate-related industries such as building materials city, ITC.
Private lending in a rapidly developing apparently faces little risk. Also analysts believe that lending procedures are incomplete, most of the verbal agreement and promissory note form, and there is no specific term of loan repayment, interest rates, usage, and liability for breach of, nor does it require mortgage, guarantee, with a certain blindness and irregularities, in the event of credit risks lead to economic disputes, legal procedures are incomplete and can not be guaranteed by law. In business, higher lending rates will increase operating costs and financial costs, likely to cause business losses, once the funding strand breaks will have a greater risk.
Xiaozhong and Wang with satellite companies, due to insufficient information, impossible to know whether it falls to death because of lending business risk capital chain rupture, but it more than billion and a low interest rate loan, will undoubtedly carry with him and with the star who's a huge burden.
South reporter Zhang guodong
Source: Southern Metropolis daily
(Original title: the bosses of private enterprises that fall after the death of "debt collection" the tide)
12月13日傍晚，湖南娄底市同星集团董事长肖仲望从该市丹枫国际小区坠楼身亡，目前警方排除他杀，但未明确属意外还是自杀。这是继湘潭市恒盾集团董事长王检忠自杀后，湖南连续发生的第二起企业家非正常死亡事件。
与恒盾集团王检忠相似的是，肖仲望经营的公司涉及数百人的民间借贷。昨日，就有上百人来到同星集团办公地进行债权人登记，现场警察证实登记的借贷数额已逾亿元。
据审计署驻长沙特派员办事处欧涛于今年5月发表的文章显示，娄底市民间借贷规模已逾百亿元。
民营企业资金所遭遇的困境，以及如何规范民间借贷，在数起企业家死亡事件后，备受关注。
毫无征兆的死亡
肖仲望之死没有任何征兆。
同星集团一女性员工昨日告诉南都记者，事发当天，肖仲望还在办公室接待客户，并带客户参观公司。娄底市经济开发区新闻中心负责人亦介绍，事发后，开发区向同星集团公司高层了解情况，该公司几名副总均感觉意外，称公司近日运转正常，也未察觉肖有何异常之处。
同星集团旗下除同星米业之外，还包括突尼斯软籽石榴公司、同星传媒、同星房地产公司、同星食府等。该集团员工称，几家子公司近期并无大的波动，亦无债权人上门索债。
同星集团办公地点位于娄底市大汉路丹枫国际小区裙楼。据现场采访的媒体报道，13日晚6点40分左右，小区保安队长看到肖的车驶入小区，没多久，一对年轻夫妇跑来告知他，B栋楼前躺着一名男子，不知道是否喝醉了。他前往查看，只见一男子躺在地上，由于天色已晚，他又返回保安室取来手电筒，仔细照看才认出是肖。看到肖头部鲜血直流，保安队长立即报警，随即110、120人员赶到，后确认肖已死亡。
昨日下午，参与现场处置的警察介绍说，肖个人经历三次婚姻，其家庭成员较为复杂，目前亦无家庭成员能说明肖死亡的原因。其女婿没有接听记者电话，同时通过娄底开发区转达称，目前不愿接受媒体的采访。
从卖大米到做传媒
肖仲望所经营的同星集团为其一手创立的企业，基础产业为大米深加工。张贴于娄底开发区的同星米业公司介绍资料显示，同星米业有限公司成立于1993年，2003年落户娄底经济技术开发区，是目前娄底最大的科技型农业化省级龙头企业。
娄底开发区网站的公开资料显示，同星米业总资产1 .2亿元，其中固定资产7000万元，是国家粮食局和中国农业发展银行重点支持的骨干粮食加工企业，升级动态储备粮承储单位。公司连续四年被农业发展银行湖南省分行授信为A A级信用企业，被评为湖南省金融诚信企业。
在同星米业基础之上，肖仲望又先后创立同星地产、同星传媒、同星食府等多家公司。同星集团员工介绍，同星集团股份肖仲望占99%以上，只有不到1%的股份为其女儿持有。除肖的女婿负责同星米业外，其他子公司由聘请的职业经理人打理。
同星集团内刊资料显示，截至2011年底，同星集团企业总资产5.39亿元，销售收入2.5亿元，公司员工达千人左右，2011年上缴税收1300余万元。
石榴是同星集团于2009年开始投入的项目。据了解，肖仲望在2011年公司讲话中曾称，要将该项目作为公司主业迅速做大做强，规划在五年内发展种植基地5万亩。而该公司2012年度的介绍中则称，该年度70%果树已经挂果，可年产8000多吨，预计年产值可达6.4亿元。
与石榴项目一样，同星传媒是另一个肖仲望极为重视的新增长项目。这个2011年10月成立的公司注册地选择在长沙，由于拿到银行安全防范视频机的独家经营权，同星的目标是将传媒公司打造成为全国性唯一银行广告视频机最大运营商。
这些项目意味着较大的资金投入。同星公司内刊称，传媒项目总投入达10多亿元，资金是保证项目动作的重要举措，必须扩大融资加快建设。资料称，公司策划各类融资方案，并先后与10余家融资公司达成合作意向。肖仲望在2011年年度总结大会讲话中介绍，已进入湖南省首次发行集合债券十家企业之一，拟发行企业债券6000万元。
石榴公司2012年的工作总结中也提到：“目前公司没有银行贷款，所有建设资金都来自同星集团公司，由于资金投入多，资金渠道窄，导致建设资金不足，资金缺口较大。”
民间借贷逾亿元
据了解，同星集团在银行贷款不多，面对这两个发展前景良好的项目，民间借贷或许成为其资金重要来源。
肖仲望意外死亡之后，连续几天均有大量市民来到同星集团办公地登记债权情况，仅昨日下午前往的债权申报人就逾百人。现场维持秩序的警察介绍，目前已经登记者达数百人，登记债权已逾亿元。
多名不愿透露姓名的债权申报人向南都记者介绍，他们多是基于与同星集团员工相熟，且通过媒体报道知晓同星集团经营的农业项目均属政府支持鼓励项目，更了解到肖是娄底市人大代表，用心经营企业，无个人挥霍、嗜好赌博等不良习气，因而放心将钱借给同星。
这些债权申报人中不少还是同星集团员工。一名女性员工告诉南都记者，肖仲望曾试图采取私募方式集资，但未获员工认同而作罢，但他鼓励员工借钱给公司，同时鼓励员工宣传公司，向社会募集资金。多名债权申报人称，他们是听到同星公司员工介绍后，将钱借给同星。
南都记者向多个债权申报人了解到，他们借给同星的金额从几万元至几千万元不等，多在数十万元之间，月息1.5%-5%不等，多在2%，还款期限多为一年，也有借条显示为随借随还，即债主随时可以要求还款，利息有年结和月结不等，借条上多盖有同星集团公章及肖仲望个人印章。
这些借贷者来自社会各个层面，根据其自我介绍，除同星员工外，有当地农民、酒店服务员，也有外来务工人员、个体经营者，其中不乏家族全员参与。一女性称，她将自己及姐姐的余钱、母亲的养老钱凑集一百万元借给同星，现在发生这事，都不敢给家庭成员讲，精神压力巨大。
肖仲望突然死亡后，这些借贷者近几日均在同星集团办公地聚集，进行债权登记并商量对策。多人称，他们最担心同星集团因肖的死亡破产清算，导致血本无归，因而希望由娄底市政府出面，帮扶同星集团继续运转，让他们有希望拿回本金。
为数不少的债权人让娄底市经济开发区面临不小的压力。事发几日来，开发区连续召集会议，讨论后续处置问题。娄底市经济开发区新闻中心负责人介绍，开发区成立了三个小组，主要工作是让同星集团继续运转，并避免资产转移，同时做好维护稳定工作。
娄底民间借贷活跃
就在本月4日，娄底市辖下的冷水江公安局发出悬赏公告，该市华能企业投资公司法人代表、总经理涉嫌集资诈骗潜逃，被该局经侦大队立案并网上追逃。昨日有多名债权人亦称，获悉冷水江市的案件后，他们一度感到担忧，曾向同星集团表示希望拿回借款，但因快到年底公司资金周转困难，同时基于对同星公司的信任并未坚持。孰料很快发生肖仲望意外死亡事件，这些债权人为此后悔不迭。
与国内温州等城市一样，民间借贷在娄底并不少见。据审计署驻长沙特派员办事处欧涛今年5月发表于《武汉金融》的一篇调查文章显示，根据有关部门的数据统计及抽样调查，目前娄底市民间借贷总规模在100亿元左右，对39家生产型企业的调查显示，发生民间借贷行为的为14家，融入总金额为4852万元，其中工业企业5家、农林牧副渔1家，建筑业2家，批发零售业6家，企业规模上，大中小型分别为1、3、10家。
在具体的融资方式上，文章称，利率多为1.5%-2%之间，以1.8%-2%为主，融资对象呈现多元化，调查的企业中向股东和企业员工融资占22%，向民间借贷机构和社会融资占38%，向个人融资占18%，融资主要用途是补充流动资金不足，期限在一年内的占76%。
另外文章中介绍，对融资公司的调查显示，2012年，娄底3家小额贷款公司对外总融资约4 .9亿元，对外发生融资户数为370户，8家投资公司2012年对外总融资为2亿元左右，涉及户数192户。
对于民间借贷发展，文章分析认为，2010年后，受金融危机和国家宏观政策影响，民间借贷利率逐年走高，巨大利益使民间借贷公司大量涌现。截至2012年底，娄底市经工商部门批准的投资、典当行业的民间机构达102家，注册资金18.4亿元，比2009年分别增长135%和210%，投资主要走向回报较高的房地产、矿山开采加工及与房地产相关的建材城、贸易中心等行业。
民间借贷在迅速发展中显然面临不小的风险。文章亦分析认为，民间借贷手续不完整，大部分以口头协议和借条形式订立，且没有明确具体的借款期限、利率、用途、还款方式及违约责任，也不需要抵押、担保，具有一定的盲目性和不规范性，一旦发生信用风险引发经济纠纷，会因法律手续不完整而无法得到法律保障。于企业而言，民间借贷利率较高，会增加企业运营费用和财务成本，容易造成企业亏损，一旦资金链断裂将有较大风险。
对于同星公司和肖仲望个人，目前因信息不充分，无法获悉其坠楼死亡是否因借贷经营风险而产生资金链断裂，但数额逾亿元且利率不低的民间借贷，无疑是背负在他和同星身上的一个巨大负担。
南都记者 张国栋
来源：南方都市报
(原标题：民企老板坠亡后的“讨债”潮)
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