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The author:(作者)归海一刀
published in(发表于) 2014/4/29 9:36:44
Ningbo sentenced 5 years 192 illegal fund-raising cases involved amounting to 10.9 billion

Recently,?the?Ningbo?intermediate?people′s?Court?issued?5?funds?such?criminal?cases,?according?to?the?statistics,?five?years?from?2009?to?2013,?the?Ningbo?court?sentencing?of?illegal?absorbing?public?deposits,?in?the?first?instance?criminal?cases?of?fraud?in?financing?a?total?of?192,?totaling?more?than?10.9?billion?yuan?involved,?to?the?crime?are?still?more?than?4.9?billion?yuan?is?not?possible,?involves?a?number?of?victims?of?about?6000?people.

-Correspondent?Shen?Lufeng?Lu?Jianqiang?reporter?Wang?Sha

RCAs?gold?objects?largely?dominated?by?women

From?2009?to?2013,?the?Ningbo?Court?sentenced?organized?RCAs?fund-raising?totals?85?criminal?cases,?and?Fenghua,?ninghai?two?counties?a?total?of?74,?and?are?mostly?as?a?female?defendant,?63?79?accused?were?female,?79.75%,?RCAs?to?absorb?funds?most?of?the?objects?are?also?dominated?by?women.

"Folk?RCAs,?there?are?two,?one?is?marked?a?month,?and?the?other?is?′?day?by?day?′.?′?Day?by?day?′?is?characterized?by?high?input,?high?risk,?high?reward.?"The?Court?Tribunal,?ninghai?Zhao?Ruili,?the?President?said?that"?modern?family?over?money?for?females,?but?also?quite?adept?at?discerning.?Characteristics?of?high?income,?women?see?a?return,?and?to?ignore?the?risks.?Of?these?victims,?and?some?are?full-time?housewives.?”

Civil?RCAs?absorb?public?funds?in?disguise,?and?numerous?large?number,?numerous?involved?personnel,?seriously?disturbed?the?order?of?financial?administration.?In?July?2010,?the?Court?introduced?the?ninghai?"day?by?day"?will?trigger?private?lending?dispute?opinions.?Notices,?organized,?participated?in?a?"day-day"?activities?as?offences;?circumstances?are?serious?will?be?suspected?of?illegal?absorbing?public?deposits,?fund-raising?scams?and?fraud,?and?crime?due?to?formation?of?debt?and?credit?between?participants,?are?not?legally?protected.

　　Victim?lured?sharks?risk?consciousness

Due?to?investing?in?knowledge?and?capacity?limitations,?pensioners,?rural,?low-income?and?other?vulnerable?groups?preferred?to?lend?the?funds?earn?interest,?as?the?biggest?victim.?"A?good?percentage?of?them?due?to?limited?funding,?tend?to?form?′?tractor?′,?that?is?a?loan?contract?money?is?often?pooled?money?to?dozens?of?relatives,?friends,?once?the?crime,?then?formed?a?large?group?of?victims.?"The?judges?of?the?Court?of?Ningbo?city?intermediate?people′s?Court?convicted?three?Lu?Jianqiang?told?reporters.

"This?population?was?higher?than?the?Bank?several?times,?or?even?dozens?of?times?times?the?interest?rate?under?the?mercy?of?greedy?mentality?and?herd?mentality,?vulnerable?to?temptation,?there?is?hardly?any?protection?against?psychological?and?deception.?"He?also?said,"?If?the?defendant?Zhang?Zhongjun,?to?cover?the?month?of?1?to?8?minutes?high?interest?as?bait,?in?less?than?three?years,?to?more?than?90?employees?are?not?specific?to?the?public?and?5?units?of?illegal?deposit-taking?a?total?of?990?million?Yuan.?”

Lu?Jianqiang?judges?also?said?that?along?with?the?economic?development,?the?income?of?urban?and?rural?residents?and?gradually?increase,?people?have?increased?number?of?idle?funds?and?the?old-age?pension,?medical?care,?child?education,?child?marriage?expenses?expected?higher,?further?enhance?financial?prudence?among?inhabitants?that?"short-term,?high?interest?rates?and?borrowing?as?an?investment,?to?illegal?fund-raising?activities?has?brought?a?large?number?of?sources?of?funding.?”

　For?ordinary?crime?does?not?make?business?processing

"Small?and?medium?private?enterprises?in?Ningbo?from?private?financing?is?common,?private?finance?are?now?countries?progressively?liberalize,?individuals?or?businesses?to?absorb?funds?mainly?for?the?normal?production?and?operation?activities,?ability?to?pay,?not?generally?dealt?with?as?a?crime.?"The?Ningbo?intermediate?people′s?Court?convicted?three?Chamber?Vice?President,?explained?to?reporters.

Ningbo?better?known,?been?funding?strand?breaks?"treasure",?"Tang?Ying",?some?of?the?companies?have?been?involved?in?private?lending,?since?loan?funds?are?mainly?used?for?production?operations,?and?financing?activities?belonging?to?normal.?Judicial?interpretation?of?the?Supreme?People′s?Court,?which?also?is?clearly?established,?shall?enter?into?force?on?January?4,?2011?by?the?Supreme?People′s?Court?concerning?the?trial?of?criminal?cases?of?illegal?fund-raising?several?issues?concerning?the?specific?application?of?law?provisions?in?article?III,?absorption?or?illegal?absorbing?public?deposits?in?disguised?form,?mainly?for?the?normal?production?and?operation?activities,?can?qingtui?absorption?may?be?exempted?from?criminal?penalty;?the?plot?is?obviously?of?minor?importance,?are?not?dealt?with?as?a?crime.

　　Case?one

Accused?Qiu?Chaohui,?Wang?Xiong?Wen,?Hu?Yufeng?of?illegal?absorbing?public?deposits

Qiu?Chaohui?beginning?in?2006,?using?the?universal?sea?investment?company?accounts,?LAN?storage?at?lower?interest?and?high?interest?lending?profit.?His?bank?loans,?construction?manufacturing?on?behalf?of?Anhui?lung?Shun?real?estate,?as?well?as?investments,?not?specific?to?the?community?many?people?borrow,?the?amount?accumulated?to?more?than?1.2?billion?yuan.?Up?to?the?time?of?the?murder,?Qiu?Chaohui?has?more?than?170?million?yuan?of?the?accused?cannot?be?returned.

　Case?two

Unit?Ningbo?ritzy?IMP?group?limited,?the?defendant?accused?Sun?Jie,?Sun?Yahong?case?of?illegal?absorbing?public?deposits

September?2006?to?September?2008,?accused?Sun?Jie?in?operating?Ningbo?city?moist?import?and?export?group?limited,?and?Ningbo?bonded?yujie?trade?limited,?company?during,?to?company?missing?turnaround?funds,?and?inspection?pays?bank?credit,?for?name,?to?personal?on?behalf?of?or?to?units?on?behalf?of?used?borrowing?and?commitment?paid?3%?to?10%?months?interest?rate?of?means,?external?to?more?than?30?over?social?not?specific?personnel?and?the?enterprise?absorption?deposits,?Trojan?up?more?than?330?million?Yuan.

　Case?three

Defendant?Yu?Zhongqin?case?of?illegally?absorbing?public?deposits

In?May?2012,?Limin?Li?hang?in?Shenyang?city?was?incorporated?in?jiangdong?district,?Ningbo?city?seal?materials?limited?Ningbo?branch?and?air?sealing?materials,?Ltd?expanding?the?production?and?operation?of?UNIFIL?in?Shenyang?city,?employing?Yu?Zhongqin,?a?defendant?for?his?absorption?in?Ningbo?to?the?public?funds.?From?April?2012?to?October?11,?2012,?to?heavy?interest?as?bait,?take?the?form?of?signed?loan?agreements?with?investors,?in?Ningbo?development?of?customers?within?a?total?of?78?people?were?absorbing?public?deposits:?3416200?Yuan.

　Case?four

Defendant?Chen?Qin?spent?case?of?illegally?absorbing?deposits

From?March?2008?to?June?2009,?defendant?Chen?Qin?spent?for?profit,?without?the?approval?of?the?people′s?Bank?of?China,?private?bidding?clubs?form?absorbing?public?deposits?in?disguised?form,?during?which?it?organized?by?their?neighbors?and?friends?over?more?than?30?members?of?civil?society,?such?as?bidding?clubs,?36,?holding?and?other?forms?of?illegal?investments?amounted?to?more?than?49?million?Yuan.?On?June?29,?2009,?defendant?Chen?Qin?spent?funds?turnover?and?other?reasons,?resulting?in?their?organization′s?community?credit?cooperative?will,?resulting?in?membership?losses?amounted?to?more?than?RMB?20?million?Yuan.

　Case?five

Defendant?Tian?Shi?fundraising?fraud

Since?the?second?half?of?2005,?the?defendant?Tian?Zeshi?due?to?gambling,?and?loan?disputes,?owes?a?huge?debt.?July?2008?to?October?2010,?Tin?is?Shi?knows?no?reimbursement?capacity,?still?concealed?debt?situation?and?the?claims?debt?capacity,?to?investment?needs?funds,?and?fake?Fenghua?shuanghu?investment?advisory?limited,?for?guise,?used?borrowing,?and?organization?will,?forms?raised?funds?amounted?to?about?Yuan?75.849?million?Yuan,?returned?about?Yuan?24,468,150?Yuan,?remaining?about?Yuan?51,380,850?Yuan?main?to?paid?high?interest,?and?personal?debt,,?has?cannot?returned.

　　近日，宁波市中级人民法院发布了5起集资类刑事犯罪典型案例，据统计，2009年至2013年五年间，宁波法院一审宣判非法吸收公众存款、集资诈骗刑事案件总计192件，涉案金额达109亿余元，至案发尚有49亿余元无法归还，涉及被害人人数约6000人。    

　　□通讯员?沈路峰?陆建强?记者?王莎

　　标会吸金对象大多以女性为主

　　2009年至2013年，宁波两级法院判处组织标会集资犯罪案件总计85件，其中宁海和奉化两县市共计74件，而且以女性被告人居多，79名被告人中63人为女性，占79.75%，标会吸收资金的对象也大多以女性为主。

　　“民间标会有两种，一种是一个月一标，另一种就是‘日日会’。‘日日会’的特点是高投入、高风险、高回报。”宁海法院刑庭赵睿利庭长说，“现代家庭中管钱的多为女性，而且也比较善于精打细算。因为高收入的特点，女性只看到回报，却忽略了风险。这些受害人中，还有一部分是全职家庭主妇。”

　　民间标会变相吸收公众资金，且名目繁多，数量庞大，牵涉人员众多，严重扰乱了金融管理秩序。2010年7月，宁海法院出台了《关于“日日会”会款引发的民间借贷纠纷处理意见》。通告称，组织、参与“日日会”活动为违法行为；情节严重的将涉嫌非法吸收公众存款、集资诈骗和诈骗等犯罪；因参会形成的债权债务关系，不受法律保护。

　　受害人受高利诱惑风险意识淡薄

　　由于受投资知识和能力的限制，退休老人、农村妇女、低收入者等弱势群体偏好于出借资金赚取利息，成为最大的受害者。“他们当中很大一部分由于持有的资金有限，往往形成 ‘拖拉机户’,即一个出借合同的钱往往是数十个亲戚、朋友凑起来的钱，一旦案发，则形成了庞大的受害群体。”宁波中院刑三庭陆建强法官告诉记者。

　　“这类人群看到高于银行几倍，甚至几十倍的利率，在贪财心理和从众心理的支配下，经不起诱惑，几乎没有任何防范心理，从而上当受骗。”他还说，“如被告人张忠军等，以支付月息1分至8分的高额利息为诱饵，在不到三年时间里，向90余名不特定公众和5家单位非法吸储累计9.9亿元。”

　　陆建强法官也表示，随着经济发展，城乡居民的收入逐步提高，居民手中的闲散资金增多，且子女教育、养老、医疗、子女婚嫁支出预期较高，居民的理财意识进一步增强，“期限短、利率高的借款成为一种投资方式，给非法集资活动带来了大量的资金来源。”

　　用于正常生产经营不作犯罪处理

　　“宁波市中小型民营企业从民间融资的情况相当普遍，现在国家对民间金融逐步放开，个人或企业吸收资金主要用于正常的生产经营活动，有偿还能力的，一般不作为犯罪处理。”宁波中院刑三庭钱副庭长向记者解释说。

　　宁波比较知名的曾发生资金链断裂的“宝诚”、“唐鹰”等公司，都曾涉足民间借贷，由于借贷资金主要用于生产经营，属于正常的融资活动。最高人民法院司法解释对此也进行了明确，自2011年1月4日起施行的《最高人民法院关于审理非法集资刑事案件具体应用法律若干问题的解释》第三条第三款规定，非法吸收或者变相吸收公众存款，主要用于正常的生产经营活动，能够及时清退所吸收资金，可以免予刑事处罚；情节显著轻微的，不作为犯罪处理。

　　●案例一

?

　　被告人邱朝晖、王雄闻、胡玉峰非法吸收公众存款案

　　邱朝晖从2006年开始，使用宇海投资有限公司的账户，以较低利息揽储，然后高息转贷营利。他以银行转贷、建造隆顺房产以及投资安徽多晶硅生产等名义，向社会不特定多人借款，数额累计达12亿余元。至案发时止，被告人邱朝晖尚有1.7亿余元无法归还。

　　●案例二

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　　被告单位宁波市润泽进出口集团有限公司、被告人孙杰、孙雅洪非法吸收公众存款案

　　2006年9月至2008年9月，被告人孙杰在经营宁波市润泽进出口集团有限公司、宁波保税区宇杰贸易有限公司等公司期间，以公司缺少周转资金、验付银行信用证等为名，以个人名义或以单位名义采用借款并承诺支付3%至10%月利率的手段，对外向30余名社会不特定人员及企业吸收存款，累计达3.3余亿元。

　　●案例三

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　　被告人于忠芹等人非法吸收公众存款案

　　2012年5月，常利民在宁波市江东区注册成立了沈阳市黎航密封材料有限公司宁波分公司，并以沈阳市黎航密封材料有限公司扩大生产经营为由，聘用被告人于忠芹等为其在宁波向社会公众吸收资金。从2012年4月至2012年10月11日期间，以高额利息为诱饵，采取与投资者签订借款协议的方式，在宁波范围内发展客户共计78人，共吸收公众存款人民币3416200元。

　　●案例四

?

　　被告人陈琴花非法吸收存款案

　　2008年3月至2009年6月，被告人陈琴花为牟利，未经中国人民银行批准，以民间标会形式变相吸收公众存款，其间共组织由其邻居、朋友等30余名会员参与的民间标会36只，以首会、捧会等形式非法吸收资金达人民币4900余万元。2009年6月29日，被告人陈琴花因资金无法周转等原因，致使其组织的民间标会倒会，造成会员损失共计人民币2000万元以上。

　　●案例五

?

　　被告人田则仕集资诈骗案

　　2005年下半年以来，被告人田则仕因赌博、借款纠纷等原因欠下巨额债务。2008年7月至2010年10月，田则仕明知没有偿还能力，仍隐瞒债务情况及偿债能力，以投资需要资金、虚设奉化市双湖投资咨询有限公司等为幌子，采用借款、组织会等形式募集资金共计约人民币7584.9万元，归还约人民币2446.815万元，其余约人民币5138.085万元主要用以支付高额利息、个人债务等，至今无法归还。

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