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The author:(作者)delvpublished in(发表于) 2014/1/23 8:56:54 Many cooperatives in Yancheng of Jiangsu people， hundreds of millions of deposit cannot be cashed
Authorities wide nets of Yancheng, January 23 (reporters Bai Yu) according to the voice of the news aspect of the report, today it seems the North, people from all over are preparing for celebrating the Spring Festival. However, some of the audience reflected in Yancheng City, Jiangsu Province, they have a difficult, because their money was lost.
The audience that, in recent years, opened dozens of Yancheng local "farmers mutual cooperative", which by local agriculture supervisors approved the establishment of cooperatives, and obtained by the local Civil Affairs Bureau issued "certificate of registration of private non-enterprise units". Cooperative undertakings operating by way of deposit-taking and lending and commitments to depositors, savers can not only be of interest after maturity, can also get bonuses. However, from the beginning of 2013, tinghu district there are several cooperatives in Yancheng City people to money, many savers deposits cannot be honored, many people's lives is in trouble.
Yancheng Lake District Dongcheng, environmental protection industry Park, xinyang farmers mutual cooperative has its doors locked and UnionPay, yandong, rising farmers capital mutual aid cooperatives have no money exchanged.
These cooperatives, from signs to interior decoration, window from the counter to the waiting area, from display to display, and General Bank there is not much difference.
In the Salt Lake area, Huadong town farmers mutual cooperative, Office of a person on duty told reporters, because more money, put out a loan cannot be recalled, resulting in funding strand breaks.
Broker: all out, put out a few years, money has been slow, and the end of hard money, right? And now there is no money coming in, people now no one save and take all his money.
Interviewer: should the money.
Salesman: I know I should have, however, broken, get cut off, out of money, turn to.
Union farmers mutual cooperative, posted on the notice boards at the entrance to town leaders instructions for cooperatives, no assistants in the counters window, a customer is asking news.
Yandong farmers mutual cooperative outside the doors of the new ocean, 80 years old savers Yan Jiezhou told reporters, his wife is already 79 years old, perennial ill, after the deposits could not be honoured, has been relying on borrowed money the doctor, but now no one is willing to lend them money, his wife's condition is growing.
Reporter: how much money would you save?
Yan Jiezhou: more than 110,000 dollars, is ready for old-age, grow older and can no longer get away while we are rural people, nor wage, this money was going to pension.
East side farmers mutual cooperative savers Ms Xue, a retired teacher, 2011, the woman sit in the cooperative of more than 420,000 yuan.
Mr Lady: he had a deposit-taking Bank, he said, his Government, the official seal of the Government, give you a certain amount of interest, there are appropriate dividends because we believe the Government, so we fully believe him, we lose money, who would have thought in November, deposit-taking will tell us that something was wrong.
Savers said that the cooperative's annual interest rate of 3.5%, plus bonuses. Tinghu District Committee of the relevant documentation, the farmers mutual cooperative "tinghu District Office of rural work" was founded. Then, under the supervision of the Government authorities, why does occur loss of depositors ' money in them?
Tinghu district of Yancheng rural Chief of staff Yu Longzhuang, around 2004, according to central document spirit, first pilot in the national Yancheng City "farmers mutual cooperative", intended for the farmers in the region, solve the problem of farmers ' production and livelihood needs of small loans. To date, 5 3 streets in villages and towns approved the establishment of a total of 24 farmers mutual cooperative, some cooperatives in the illegal action in the business process is causing capital chain root cause of the exception.
Yu Longzhuang: racing this set of books, mainly dealing with our regulatory, check the track out, he put the money in the real estate development up there, no way. New ocean will be one to two years to recover all the money lent to. East side is head of run away, he carved himself, print documents, belong to illegal fund-raising, public security organs have now incorporated. Funding of environmental protection industrial park a little nervous as well, which he has borrowed some money to get a person in local real estate. These irregularities is that they make their own decisions, unless he breaches, xianglixiangqin the money to farmers for agricultural production and living, then he can be guaranteed, there would be no such risks.
Reporter: now involves deposit depositors are not paid in full a total of households involved, do you have any statistics?
Yu Longzhuang: large numbers may have more than 2000 households.
Reporters involved ought to cash funds, how much money is involved?
Yu Longzhuang: this is not very good statistics.
According to savers rough statistics, currently involving or up to hundreds of millions of dollars.
Yu Longzhuang says, farmers mutual cooperative belongs to the new, inexperienced district nongban management, lack of professionals, regulatory loopholes, but will make every effort to recapture losses for depositors.
Yu Longzhuang: we removed all his deposit. You are responsible for the money lent back against the people. Money has been invested in other people's projects, we need to track, keep loss of capital assets, disposal dispose of his assets, could take back to back.
Reporter: do you have a specific timetable?
Yu Longzhuang: 2014, take out all the ICS programme.
Reporter: When did all of these things, the proper solution?
Yu Longzhuang: late 2015 years 2015 full settlement.
Recently, the CPC Central Committee and the State Council on comprehensively deepening rural reforms to accelerate the modernization of agriculture in the opinions articulated in "upholding the principle of members, closed, without foreign deposit-taking lending, under the premise of not to pay a fixed rate of return, promoting the development of community rural mutual organizations. ”
Face the music, as the country took the lead in the pilot "farmers mutual cooperative" If in Yancheng, Jiangsu will be thinking of? Thousands of depositors of hundreds of millions of Yuan on deposit how to recover? Yancheng "farmers mutual cooperative" summed up the experience and lessons learned during the development process? Are there other concerns? China will continue to follow the sound of.
(Original title: Yancheng cooperatives more than hundreds of millions of people to Money 2000 savers deposits failed to deliver)
央广网盐城1月23日消息(记者 白宇) 据中国之声《新闻纵横》报道，今天是北方的小年儿，各地的群众也都在为欢度马春节做着准备。不过，江苏省盐城市的一些听众却反映，年关不好过，因为自己投资的钱打了水漂了。
这些听众说，近几年，盐城当地开设了几十家“农民资金互助合作社”，这些合作社经当地农业主管批准成立，并获得了由当地民政局核发的“民办非企业单位登记证书”。合作社通过吸储和放贷的方式经营运转，并向储户承诺，存款到期后储户不仅可以得到利息，还可以得到分红。但从2013年初开始，盐城市亭湖区内陆续有多家合作社人去钱空，众多储户的存款也无法兑付，不少人的生活由此陷入了困境。
盐城市亭湖区东城、环保产业园、新洋农民资金互助合作社已经大门紧锁，银联、盐东镇、瑞鑫农民资金互助合作社均已没钱兑付。
这些合作社，从招牌到内部装修，从柜台窗口到等候区，从显示屏到展示牌，都和一般的银行没有太大的区别。
在亭湖区盐东镇农民资金互助合作社，办公室的一位值班人员告诉记者，因为取钱的人多，放出去的贷款难以收回，导致资金链断裂。
营业员：放都放出去了，放了几年出去了，钱一直在慢慢收，年底很难要钱的对不对？而且现在没有钱进来，老百姓现在没人存钱了，全部是拿钱。
记者：那拿钱也是应该的呀。
营业员：我知道应该，可是，拿断了，拿到断掉了，没钱了，转不过来了。
在银联农民资金互助合作社，门口的展示牌上张贴着盐城市主要领导对合作社的批示，柜台窗口里没有营业员，储户们互相打听着消息。
在盐东镇新洋农民资金互助合作社的防盗门外，80岁的储户严介周告诉记者，自己的老伴今年已经79岁，常年生病，存款不能兑付后，一直靠借钱看病，但现在已经没人愿意再借钱给他们，老伴的病情正日渐严重。
记者：您存了多少钱呢？
严介周：11万多块钱，是准备用来养老的，等到年纪大了，不能走的时候再拿来用用，我们是农村的人，也没有工资，这个钱是准备养老的。
东城农民资金互助合作社储户薛女士是一名退休教师，2011年至今，薛女士共存入合作社42万多元。
薛女士：他这个银行有个吸储员，他就讲，他这个是政府行为，有政府的公章，给你一定的利息，还有适当的分红，因为我们相信政府，所以我们就充分的相信他了，我们就把钱丢进去了，谁想到在11月份，吸储员就告诉我们说，出事了。
储户们说，合作社的年利率为3.5% ，外加分红。据亭湖区委相关文件记载，这些农民资金互助合作社经“亭湖区委农村工作办公室”批准成立。那么，在政府机关的监管之下，为什么还会出现储户资金损失的情况呢？
盐城市亭湖区委农村办公室主任虞龙壮表示，2004年前后，根据中央文件精神，盐城市在全国率先试点“农民资金互助合作社”，目的是为区域内的农民服务，解决农民生产生活需要的小额贷款难的问题。到目前为止，全区5个乡镇3个街道共批准成立了24家农民资金互助合作社，部分合作社在经营过程中的违法违规操作是导致资金链异常的根本原因。
虞龙壮：瑞鑫这家搞了一套假账，主要是对付我们监管的，查也查不出来的，他把这些钱投资到房地产开发上去了，一下子收不回来。新洋要一到两年才能把贷出去的钱全部收回来。东城是负责人跑掉了，他自己刻了章，自己印了单据，属于非法集资，现在公安机关已经立案。环保产业园的资金也有点紧张，银联他借了一些钱给本地的一个人搞了房地产开发。这些违规的都是他们自己搞的决定，他如果不违规，把这些钱放给乡里乡亲的农民，用于农业的生产生活，那么他是可以得到保证的，就没有这些风险了。
记者：现在涉及到拿着存单却不能全额兑付的储户总共涉及到多少户，您这里有统计吗？
虞龙壮：大数可能有两千多户。
记者：涉及到的应该兑付的资金，涉及到多少钱？
虞龙壮：这个不太好统计。
据储户们的粗略统计，目前涉及金额或达数亿元。
虞龙壮同时表示，农民资金互助合作社属于新生事物，区委农办管理经验不足，专业人才欠缺，在监管上存在漏洞，但会尽最大努力为储户们夺回损失。
虞龙壮：我们把他的存单都全部收掉了。你只负责把贷出去的钱收回来兑给老百姓。把老百姓的钱已经投资到其他项目上去的，我们要进行跟踪，保证资金资产不流失，能把资产处置的把他处置掉，能收回来的赶快收回来。
记者：有一个具体的时间表吗？
虞龙壮：2014年兑付的方案全部拿出来。
记者：什么时候这些事情能够全部妥善解决？
虞龙壮：最晚就是2015年，2015年全部结清。
近日，中共中央、国务院在《关于全面深化农村改革加快推进农业现代化的若干意见》中明确提出要在“坚持社员制、封闭性原则，在不对外吸储放贷、不支付固定回报的前提下，推动社区性农村资金互助组织发展。”
面对现状，做为在全国率先试点“农民资金互助合作社”的江苏盐城是否会有所思考？数千名储户的数亿元存款将怎样追讨？盐城“农民资金互助合作社”在发展过程中总结了哪些经验和教训？是否还存在其他隐忧？中国之声将继续关注。
(原标题：盐城多家合作社人去钱空 两千储户数亿存款无法兑现)
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