Go homepage(回首页) Upload pictures (上传图片) Write articles (发文字帖)
The author:(作者)delvpublished in(发表于) 2014/1/27 8:54:58 Beijing today to troubleshoot the pawn and auction industry risks， prevention of illegal fund-raising
Legal evening news (by Yi Duo Yingying Zhang Xin Zhang Lei) yesterday, this newspaper published the "Xin thick through pawn shops to sell millions of dollars worth of mortgage debt shut down the high interest rate financial products" message, followed by a number of investors to reflect the legal evening news reporter, said they also bought the financial products.
Morning, the Beijing Municipal Commission of Commerce said Xin thick through pawn shops suspected of illegal fund-raising, has recovered its operating permit, and reported to the Ministry of Commerce. Municipal Commerce Commission emergency release notice said this morning, pawn, auction industry risk investigation carried out in the city.
Progress events
Amount of money involved is further expanded
This newspaper reported yesterday, the pawn shop products purchased, in addition to ordinary investors, also a "connected party" four seas investment management limited (hereinafter referred to as "universal") part of the sales team members.
"With his wife, and I get the pension money invested in a total of 1.9 million. "Investors, high," said salesman Chen told us that sold at least 1 million Yuan. ”
Press contact to high Rep Chen, Chen said, he just didn't expect so many people to invest, "just wanted to do a few for a couple, so a little higher amounts. As more and more people come to buy, only open for a small investment. ”
Journalists to communicate separately with a number of investors found that the maximum amount of an investment of 6 million dollars, other minimum amount is 100,000 yuan, the preliminary amounts involved are more than million level.
In connection with the company or more than the letter a
UTS universal one staff member said, the company has more than one sales team recommended the product to customers, which have failed to deliver.
After several attempts, reached world sales team one Executive to the letter, she confirmed the staff said to reporters, adding that she and her family friend also bought the financial products, has invested millions of. Concrete numbers on how many customers the company purchased this product, she indicated that she did not know.
The top executives who declined to be named said, including several other investment management companies, have been selling the same products, but did not produce the relevant evidence to reporters. The claim pending the police investigation.
Change of legal person to the pawn shop accounts only 2,900 Yuan
Xinhua learned from Beijing enterprise credit information website this morning, Beijing Xin thick pawn LLC is still opened in the normal state, its legal representative Wang LAN.
According to people familiar with the introduction, Xin thick thong pawn 2013 passed the annual examination of the relevant departments of the State, and is 241 class a one of the pawn shops.
Subsequently, the reporter contacted Yuan Liang, said it was not clear what happened, is currently awaiting a police investigation.
Investors Miss LI told reporters that the friend she had requested the Bank to verify accounts of the contract, determine Xin is thick pass pawn shops in the public accounts. Friend did not disclose other information, saying only that the account have much larger amount transferred to and, is currently carrying only the remaining 2,900 Yuan.
Commerce Commission response
Xin thick thong suspected illegal fund-raising
Morning, the Beijing Municipal Commission of Commerce said Xin thick through pawn shops suspected of illegal fund-raising, city Commerce Commission-related business room Xin, the enforcement agency repeatedly interviewed thick through legal representatives and shareholders, and invited to provide the relevant accounts and ticket. Thick Xin Tong refused to cooperate with the investigation, nor did it submit accounts.
Materials provided by the municipal Commerce Commission according to the masses, there are serious illegal acts found thick Xin Tong. At present, the municipal authority has to hand over the case to Beijing Municipal Bureau of Commerce and Xin thick retracted the announcement through pawn the pawn business license copy, and to include the relevant information the Ministry of Commerce.
This morning, the Beijing Municipal Commerce Commission notice published on their official website, and called for further strengthening the supervision and administration of pawn, auction industry to effectively hold not systemic, culture, risk to the bottom line, decided on January 24, 2014 risks pawn, auction industry in the city investigation. And risk investigation after work, the district business Commission and timely investigation and risk prevention of illegal fund-raising measures a written report submitted.
At the same time, to inform the various districts and counties Commerce Commission and ask for pawn shops in the area under a full round of verification.
Pawn financing assignment of claims is the norm
The Executive introduced, pawn shops spread mainly through mortgage lending earn profits on own capital is not enough, also needs to expand by means of certain sources of funding. "Because of the pledge deposit-taking funds without qualification, in practice, often will use the assignment of claims to get financing. ”
"Like a pawn shop has 20 million of funding, when all that money goes out by mortgage lending, recovery cycle may take two or three months, during which time if the pawn would like to continue to develop our business, assignment of claims," she gave a reporter cited an example, "for example, to have a House, mortgage term is 6 months. Pawn and assignment of claims to investors to raise money, buy-back after a specified period, completed the financing purposes. ”
The executives said claims while in the hands of investors, but because it is transferred over, investors know how much housing money, did not contact really mortgagor or borrower. UTS universal executives who declined to be named said.
"Flying" profit taking process
A financial product release b, promises an annualized interest rate of 72%
Get the b after the product is pumped into, at a annualized rate of 30%, packaged to sell a sales team leader
Package b of the product, a dozen sales, net profits 15.5%-16%
B products sold to customers, commitment to an annualized interest rate of 13%, ' ground 1%-1.5%
Buy b product, get the annualized interest rate 13%
Driven by high yields "fly" phenomenon
During the interview, several UTS universal employees have said, Xin thick sense of this financial product is through an intermediary to, which is known in the trade as "flying".
"Everyone is in this area, sometimes heard about which financial products through karmic relationships better, get recommended to customers directly. "Four seas one salesman said.
"Suppose a company issued a financial product, which crossed through intermediaries investment companies, led directly to a sales team, this product is packaged for sale. Intermediary drain half the profits, sales team leadership drain down to half the profits of the half, remaining profits a dozen sales people and customers. Since earnings are typically better, so it is hard to sell. "The staff member told reporters.
"Normal banking product annualized rate at about 13%, ' fly ' is probably at 20% per cent, hear, 60% or even higher, in fact, this is highly unusual, doing this are aware there are problems. "UTS universal executives who declined to be named said.
Promise high income third parties around the net
Investment industry Liu told reporters that most third party finance companies are in fact simply channel, is similar to the intermediary institution. Their main task is to look for "investors", and follow the other's reality to analyze its financial situation and financial needs, and make financial planning and funds, banks or insurance related products sold to customers through planning, earning fees, agent fees and other expenses.
According to Mr Liu, third-party customers mainly through the unfamiliar visiting, friends, Super, coloring page of issue ads and other ways of cooperation to obtain. A finance company worker Li also told reporters that their showmanship and not targeted, "who wrote the money or not does not face either looking for contacts from the Web, either by some institutions to buy personal information visit object and then call looking for customers with idle funds. ”
In addition to "around the net" that promise higher returns, weakening to conceal risk "talisman showmanship". Mr Li revealed that high income with high risk is normal, but in order to meet investor, wants to make more money and want a sound psychological, usually hiding risks. "Our financial product annualized rate of 9% per cent, while bank short-term financing is usually only 3% per cent, doubling income who want to earn? ”
Does not meet to sell upstream looking for financing projects
Mr Li described, in the context of marketization of interest rates and the credit crunch, more and more customers in need of working capital, in this case, third parties do not meet only downstream distribution, efforts toward looking for financing projects in the upper reaches.
"Side, there is an urgent need for funds to the borrower, is frustrated investors, does not find its way on both sides, and third-party company will act as a bridge between them. "Mr LEE said, as a result, third parties in the chain is no longer just rely on funds, insurance and other financial products, but ownership of the rate differential allocation of balance.
"For example, some real estate projects, go through formalities for bank credit may be nervous, to conduct a follow-up financing, they will take the initiative to the door, turn to a third party for help financing. "Mr LEE said.
"Credit funds when you're nervous, need financing companies a lot, these projects are likely to 30% per cent year. "Mr Lee told reporters that these similar claims of resale" financial product "too much issue, inevitably ugly situation, which is a significant risk.
Third-party financing of benefits revealed
Upstream financing project
Customers who need working capital
Commitment one week or even one day loan 30%-40% annualized interest
Funds needed to customers
Due to banks strict lending slow, came "the micro-credit company"
Of individuals such as the need to buy a car or cash flow of small and micro-enterprises
Third-party financing companies
Through means such as brochure, with high yields to attract active investment to finance company
Earning poor service charge or account management fee and rates 15%-25% per annum
Investors who have spare cash
Get 9%-15% per annum.
Third-party financing in a legal "vacuum"
During the interview, several insiders told reporters, in today's market of third party financial institutions to "financial consultant" and "investment advisory firm" or "wealth management center", on behalf of the operating departments but did not correspond to the law or regulations to regulate third-party financial institution.
"While the finance and investment companies are not allowed by their employees ' fly ', but when staff recommended this product to customers through their own networks, such as relatives, friends, and even signed a contract, also signed customers and offering financial products company cannot avoid. "High said, legally speaking, it belongs to the edge," If the normal repayment of principal and income, only the illegal operation, maximum is subject to administrative penalties, but does not involve criminal liability. ”
Liu also said that as the supporting regulatory measures, countermeasures and risk control mechanisms are not yet complete, belonging to third party financing in defining and standardizing legal vacuum, which is third-party financial institutions with banking, trust and brokerage launched financing products, such as the main difference.
"Right now a lot of private equity funds with no legal status, and are third-party banking institutions Valet in the name of fiscal prudence. Because it does not exist like the public fund information disclosure mechanism on a regular basis, are difficult to obtain and secure the interests of the investor protection. In addition, the uneven levels of existing third-party financial institution, its employees to provide professional and accurate investment banking services could prove difficult, is also a big risk. "Mr LAU said.
Wen Yi Duo/reporters Yingying Zhang Lei Zhang Xin
(Original title: City today to troubleshoot the pawn and auction houses)
法制晚报讯 (记者 易朵 平影影 张雷 张鑫)昨日，本报刊发“鑫厚通典当行出售价值上千万元的房产抵押债权的高息理财产品后关张”的消息，之后又有多名投资者向《法制晚报》记者反映，称他们也购买了这款理财产品。
上午，北京市商务委称，鑫厚通典当行涉嫌非法集资，已收回其经营许可证，并上报商务部。市商务委上午紧急发布通知称，在全市开展典当、拍卖等行业风险排查。
事件进展
涉案金额正进一步扩大
本报昨日报道称，购买该典当行产品的，除了普通投资者，还包括“牵线方”众信四海投资管理有限公司(下称“众信四海”)的部分销售团队成员。
“我和老伴把养老钱都投进去了，共190万。”投资者高先生说，“当初业务员小陈告诉我们最低100万元起卖。”
记者联系到高先生口中的业务员小陈，小陈表示，他刚开始没想到会有这么多人来投资，“只想着能做几个做几个，所以把数额报的高一点。随着买的人越来越多，才开放了小额的投资。”
记者分别与多名投资者进行沟通发现，其中最大数额的一笔投资为600万元，其他数额最低也是10万元，初步统计涉事金额已经超过千万元级别。
涉案公司或不止众信一家
众信四海一名工作人员透露，公司有多个销售团队向顾客推荐了这款产品，到目前均无法兑现。
经过多次尝试，记者联系到众信四海销售团队一名高管，她向记者证实了上述工作人员的说法，并表示她和家人朋友也购买了这款理财产品，投入了几百万。至于公司具体有多少客户购买了此款产品，她表示不清楚。
这位不愿具名的高管称，包括另外几家投资管理公司、银行都曾经卖过同款理财产品，但并未向记者出示相关的证据。该说法也有待警方调查。
变更法人典当行账户仅有2900元
记者上午从北京市企业信用信息网查询了解到，北京鑫厚通典当有限责任公司目前仍在正常开业状态，其法人代表为王岚。
据知情人士介绍，鑫厚通典当行2013年通过了国家有关部门的年审，并且是241家A类典当行中的一家。
随后，记者联系到了袁亮，其表示并不清楚事情经过，目前正在等待警方调查。
投资人李小姐告诉记者，她曾请求银行的朋友帮忙核实合同上的账号，确定是鑫厚通典当行的公开账号。朋友不方便透露其他信息，仅表示该账号最近有多笔数额较大的金额转入和转出，目前账面仅余下2900元。
商务委回应
鑫厚通涉嫌非法集资
上午，北京市商务委称，鑫厚通典当行涉嫌非法集资，市商务委相关业务处室、执法大队多次约谈鑫厚通法定代表人和股东，并要求其提供相关账目和当票。鑫厚通拒不配合调查，也没有提交账目。
市商务委根据群众提供的材料，发现鑫厚通存在严重违法经营行为。目前，市商务委已经将该案件移交北京市公安局，并公告收回了鑫厚通典当行的《典当经营许可证》的正副本，并将有关情报通报商务部。
上午，北京市商务委在官网上发布通知，称为进一步加强对典当、拍卖等行业的监督管理，切实守住不发生系统性、区域性风险的底线，决定于2014年1月24日至2014年2月20日在全市开展典当、拍卖等行业风险排查。并要求风险排查工作结束后，各区县商务委要及时将风险排查情况及防范非法集资措施形成书面报告上交。
同时，将此事通报各区县商务委，并要求对辖区内典当行开展一轮全面核查。
典当行融资 债权转让是常态
这位高管介绍，典当行主要通过抵押放贷赚取息差盈利，在自有资金不够用时，也需要通过一定的方式拓展资金来源。“由于典当行没有资质去吸储资金，在实际操作过程中，经常会使用债权转让的方式去实现融资。”
“比如一家典当行的资金有2000万，当这些钱全部都被抵押放贷出去之后，回收周期可能需要两至三个月，这期间如果典当行想继续发展业务，就将债权转让出来，”她给记者举了个例子，“比如有一套房子，抵押期限是6个月。典当行将债权转让给投资者吸纳资金，等到一定期限之后再回购回来，就完成了融资目的。”
该高管表示，债权虽然在投资人手里，但因为是转让过来的，投资人只知道房屋值多少钱，根本就联系不上真正的抵押人或者借款人。众信四海不愿具名的高管说。
“飞单”获利流程
发行一款理财产品B，承诺年化利率72%
拿到B产品抽成后，以30%的年化利率，打包卖给某销售团队领导
包下B产品，分给手下销售人员，净赚15.5%-16%
向客户销售B产品，承诺年化利率13%，抽成1%-1.5%
购买B产品，获取年化利率13%
高收益驱动 “飞单”现象普遍
采访中，多名众信四海的员工均表示，鑫厚通的这款理财产品是他们通过中间人拿来的，这在业内称为走“飞单”。
“大家都是这个领域的，有时通过业缘关系听说哪款理财产品比较好，就直接拿过来推荐给客户。”众信四海一名业务员说。
“假设某公司发行了一款理财产品，它通过中间人越过投资公司，直接找到某销售团队领导，将这款产品打包出售。中间人抽走一半利润，销售团队领导抽走剩下一半利润的一半，剩下的利润给手下销售人员和客户。由于收益通常比较好，所以大家推销起来很卖力。”该工作人员向记者透露。
“正常的理财产品年化收益率是13%左右，走‘飞单’大概是在20%—30%，听说有60%、70%甚至更高，其实这已经非常不正常，干这行的都明白其中有问题。”众信四海不愿具名的高管说。
承诺高收益 第三方四处撒网
投资业内人士刘先生告诉记者，多数第三方理财公司实际上只是渠道方，也就是类似中介的机构。他们的主要任务是寻找“投资人”，并按照对方的实际情况来分析其财务状况和理财需求并做出理财规划，然后将基金公司、银行或者保险公司的相关产品通过规划卖给客户，赚取手续费、代理费等费用。
据刘先生介绍，第三方的客户主要通过陌生拜访、朋友介绍、商超合作、发放广告彩页等方式获得。 某理财公司工作人员李先生也告诉记者，他们揽客并没有针对性，“谁有钱没钱也不会写在脸上，要么从网上寻找联系人，要么通过部分机构购买拜访对象的个人信息，然后通过拨打电话寻找有闲散资金的客户。”
除了“四处撒网”，承诺高收益、弱化隐瞒风险也是“揽客法宝”。李先生透露，高收益伴随高风险才是正常的，但为了迎合投资人既想多赚钱又想稳妥的心理，一般都会隐瞒风险。“我们的理财产品一般年化收益率在9%-11%，而银行短期理财通常才3%－4.5%，有翻倍的收益谁不想赚？”
不满足代销 上游寻找融资项目
李先生介绍，在利率市场化及信贷紧缩的背景下，急需周转资金的客户越来越多，在这种情况下，第三方机构开始不满足仅做下游代销，努力往上游寻找融资项目。
“一面是迫切需要资金的借款人，一面是有闲钱的投资者，双方都苦于寻不到投资渠道，第三方公司便充当了他们之间的桥梁。”李先生表示，如此一来，第三方在整个链条中不再仅仅倚重基金、保险等理财产品，而是自己掌握了费率差分配的天平。
“比如有些地产项目，在办完手续后可能因银行信贷紧张，无法进行后续融资，此时他们便会主动上门，找第三方帮忙融资。”李先生说。
“在信贷资金紧张的时候，需要融资的企业很多，这些项目做到30%-40%的年化都有可能。”李先生告诉记者，这些类似转卖债权的“理财产品”过多发行，必然会出现粗制滥造的情况，其中隐含的风险很大。
第三方融资利益揭秘
上游融资项目
急需周转资金的客户
承诺一周甚至一天放款， 30%-40%年化利息
急需资金的客户
因银行审批严格、放款缓慢，主动找“小贷公司”
比如需要买房买车的个人或者需要资金周转的小微企业
第三方理财公司
通过宣传彩页等途径，以高收益吸引主动投至理财公司
赚取手续费或称账户管理费及费率差15%-25%年息
有闲钱的投资者
获取9%-15%年息。
第三方理财 处于法律“真空区”
采访中，多名业内人士向记者表示，如今市场上的第三方理财机构多以“理财顾问公司”、“投资咨询公司”抑或“财富管理中心”的名义运作，但我国没有对应的法律部门或者法规对第三方理财机构进行监管。
“虽然各投资理财公司都规定不允许员工走‘飞单’，但由于员工在向客户推荐这款产品时可以通过自己的亲戚、朋友等关系网，并且即使签署合同，也是客户和发行理财产品的公司方签署，无法有效规避。”高女士表示，从法律上讲这属于打擦边球，“如果能够正常偿还本金及收益，只能算违规经营，最多是接受行政处罚，但不会涉及到刑事责任。”
刘先生也表示，由于配套的监管手段、对策和风险控制机制尚不完备，第三方理财在界定和规范上属于法律真空，这也是第三方理财机构与银行、信托和券商等推出的理财产品的主要区别。
“眼下很多没有合法地位的私募基金，都打着第三方理财机构的名义进行代客理财。由于它不像公募基金那样存在定期信息披露机制，投资人的利益也难以获得稳妥的保障。另外，现存的第三方理财机构水平参差不齐，其员工在给客户提供专业精准的投资理财服务方面显得力不从心，也是一大隐患。”刘先生说。
文/记者 易朵 平影影 张雷 张鑫
(原标题：全市今起排查典当拍卖行)
赞