Employee referral Fund for illegal deposit of financial institutions financial institutions unable to meet sentenced | | unlawful deposit _ news
Original title: financial institution employees recommended funds are considered illegal sequestration
Investment fund projects as an investment on behalf of the housing project promises hefty rebates, of more than 200 million yuan of illegal absorbing public deposits, yuantong (Beijing) investment fund management, shareholders recently is sentenced to death for illegal absorbing public deposits.
The legal daily (app ID:fzwb_52165216) reporter learned that evidence shows that investments in more than more than 100 investors, have been appropriate wealth company, recommended for airlines trust companies and other financial companies in personnel, or with the Bank of Beijing, the Shanghai Pudong Development Bank, China CITIC Bank, ping an Bank and other banking Manager and salesman recommended.
Typical cases of illegal deposit in the name of the Fund unable to meet by the case
According to the law enforcement agencies to identify the fact that from October 2012 to November, yuantong (Beijing) Investment Fund Management Co Ltd shareholders Han Xuemei, Liu Xiaoming, Li Hongyan in the name of the company to invest in "Everbright--Beijing Fengtai District Housing Project Fund" higher rebates are available for the illegal absorbing Cheng Xiaobing and more than more than more than 100 capital of more than 200 million Yuan.
These funds were directed to other companies for production and business activities. Yuantong rebates to investors with the company unable to meet after more than 40 million Yuan, investor alarm.
On June 12, 2014, Li Hongyan was arrested on July 18, 2014, Han Xuemei, Liu Xiaoming police phone call summoning their own case.
Recently, the Court sentenced for illegally absorbing public deposits Han Xuemei, Liu Xiaoming sentenced to 1 year, 1 year of probation and fined 100,000 yuan; for Li Hongyan fined 200,000 yuan.
Court think, accused take by sales amount royalty returned points of way delegate third party for sales, specific radiation out not specific sales personnel chain received social not specific of most investors, absorption of Department social public of funds, above channel actually is through not specific professional financial personnel of customer resources, to social public spread absorption funds of information, should finds for public to social public absorption funds. While the accused raised funds in the name of private equity, promised to return the real interest of illegal absorbing public savings, violating financial management regulations, constitute the crime of illegal absorbing public deposits.
Unknown works by fund companies financing fund that assumes
Everbright International Construction Engineering Corporation Wang Yang, General Manager of Treasury Department confirmed to the police, by the end of 2011, a housing project in the company General Contracting, Fengtai District, due to the lack of liquidity, the company contacted Liu Xiaoming, head of yuantong.
"Consultations far company give us financing of 150 million. Period of 1.5 years, annualized interest 23%. 1.5 years after funding we repay principal and interest. "Yang said in a statement.
Yang said that after both sides signed a contract far in pass two guangda construction company was paid 150 million Yuan, became construction company paid 10% (15 million) of interest, then on October 31, 2013 to pay the yuantong 13% interest in (19.5 million) of interest.
Yang said that 150 million Yuan for the project on the liquidity, labor costs, material costs, etc. But funding money is going to, he did not know.
Raise money than invest project needs balance
One requirements anonymous of original in the can far pass workers told legal evening (micro-letter public, ID:fzwb_52165216) reporter, initially, raised funds does is to real estate project construction, plans raised 150 million Yuan, but company led didn't thought soon raised paragraph on far over has this amount, company led on put money transfer do has investment, results failed has, can't to investors cash high card commitment, led to incident.
Han Xuemei statement acknowledged that raising money has halved in guangda construction company gatherings for other companies to operate.
Li Hongyan told the beginning of June 2014, unable to project can have much company money, so they don't have to pay investors the principal and interest.
Recourse against the bank clerk who recommended items
Investors put on testimony and report evidence, appropriate wealth company, China Aviation trust company, Beijing recommended for large investment companies and other financial companies, or with the Bank of Beijing, the Shanghai Pudong Development Bank, China CITIC Bank, ping an Bank and other finance managers and sales recommendations, more than more than 100 investors had invested "Everbright--Beijing Fengtai District Housing Project Fund".
Investors put on testimony and report evidence, wise far company offers affordable housing fund, a minimum investment of 1 million Yuan, pledged to return 10.5%; investment of 2 million Yuan, pledged to return 11%; amount invested more than 3 million Yuan, pledged to return 12%, investment horizon of 1.5 years, due to return this coupon.
These materials show, presenter told investors and projects in cooperation with State-owned enterprises, reliable, recovery funding is guaranteed; investor information, by bank transfer or any other means will be 1 million Yuan to 10 million yuan of money far in company. October 2013 or so, investors have received the interest income for the year at the rates, by April 2014, investors discovered the company due to be dishonest.
Another investor, who declined to be named, told reporters: "to the Bank, business, wealth managers recommended, said special security products, returns are high, so I invested in the. ”
"Although the Bank Manager recommended and introduced, but the contract was sign yuantong. ”
Mr Wang said he looked for recommending financial products of the Bank and the Bank Manager, "the Bank said, this belongs to the employee's personal behavior, nothing to do with the Bank. Wealth manager said he was recommending, let me go sign the contract company. ”
Hire third-party sales raise funds to gradually develop referrals
Law enforcement agencies to identify, yuantong company is through the pay Commission to hire third-party sales to raise funds.
Witness Lin is a financial product salesman in Shanghai. He testified that in September 2012, he was introduced through people in the yuantong Liu Xiaoming, General Manager of the company, and learned that the company's financing project, Liu Xiaoming after consultation with him, distribution channels cost could give him average 3% on Commission.
He told police in October 2012, he used a friend's companies can yuantong entered into sales and brokerage services agreement, through his personal contacts to find 10 sales managers in the industry. They radiate a number of sales in November 2012, more than two weeks of the month to complete the sale of more than 100 million Yuan.
Business surveys should be wealth many times not involved with a business qualification
Wealth should be referred to in the letter in the paper company which evidence refers to the appropriate superior wealth investment management (Beijing) co., Ltd. Statistics show that should be famous enterprises wealth is one of China's wealth management industry, with its headquarters in Beijing, more than 40 cities in the country has more than senior financial adviser.
This reporter has learned, this isn't the appropriate wealth for the first time involved in similar cases.
According to people's daily online reported, in August 2013, Zhang and Zhao by appropriate letter (Qingdao) and recommended investment wealth, a senior account manager "using silver-LAN Highway Fund huarong highway project" Fund.
But on July 3, 2014, Beijing Chaoyang District Procuratorate of huarong General Investment Fund (Beijing) limited legal representative before Wei Wei, Dong Zhanhai approved the arrest. The case involves more than more than 3.8 billion yuan. Media reported that Yi of wealth to sell financial products total more than 300 million Yuan.
On May 14, 2015, the disposal of illegally raised funds in Dalian Office of the leading group of the illegal publication of alleged illegal fund-raising information released on enterprise information circular. Circular of the appropriate superior wealth investment management (Beijing) limited Dalian branch being blacklisted.
Notices, "said more enterprises in the city's parks, supermarkets, sooner or later, markets and shopping malls to not release all kinds of finance and investment promotional materials for a particular object, promising annual returns 8%-15% range. Check with the relevant departments, these enterprises belong to the General category business, does not have the public investment financial business licences and qualifications, cannot establish a pool cannot be engaged in investment (financial) capital finance business finance-related business, but not in any name or by any form of social capital for a particular object. ”
Banks investigating several bank staff involved in the project in private benefits
Judgment shows, in addition to appropriate wealth, financial companies, Bank staff also introduced a large amount of money for the project.
Han Xuemei Defender yingke law firm, Beijing lawyer Wu Fengtao told reporters that many Bank staff participation in the case, but it was his understanding, which is not a bank.
Liu testified that in October 2012, look for a bank manager Tang Zhou and account manager, let them help for clients ' investment and commitment to their Commission rate.
Liu testified that the two staff members of a bank a sells 3 million Yuan, a sold out 1 million Yuan. After the sale, yuantong proportionately to their commissions, which gave Tang, a part of the week.
Finance Manager, Tang told reporters in an interview. Tang said that Liu and his friends, said it was selling related to affordable housing finance products. Exactly one investor looking for him, hope he describes some of the Bank financing of financial products, which will give the soup a, Liu held the line.
Account manager Zhou testified, Liu often call their project, let it give him money, clients, and later helped Liu to a customer, took 21,000 rebate Commission.
Expert financial planning there is no accountable according to the law needs to be improved
Geng Jun of Beijing Bar Association professional Committee of the consumer legal Secretary-General reminded the public, I hope you grasp as much financial knowledge before the finance and investment, especially the elderly, be sure not to take high returns.
"Financial institutions should strengthen self-discipline while management needs to be strengthened. Long term, still needs to pass legislation to improve. ”
The Chinese Academy of Social Sciences Institute of finance and banking Research Director Zeng Gang told the legal evening news (app ID:fzwb_52165216) reporter, said in an interview, bank account manager, non-banking financial products, there is lack of legal basis for accountability, legislation is needed to regulate.
Responsible editor: Li Tianyi
Article keywords:Financial institution deposit
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金融机构员工推荐基金非法吸存 无力兑付被判刑|金融机构|非法吸存_新闻资讯
原标题：金融机构员工推荐基金 被认定非法吸存
以投资安置房项目名义搞投资基金项目，承诺高额返利，非法吸收公众存款2亿余元，中能远通（北京）投资基金管理有限公司三名股东日前因构成非法吸收公众存款罪被判处刑罚。
《法制晚报》（微信公号ID：fzwb_52165216）记者了解到，证据材料显示，100多名投资人的投资，都是经过宜信财富公司、中航信托公司等理财公司人员的推荐，或经北京银行、浦发银行、中信银行、平安银行等银行理财经理及业务员推荐的。
典型案例 以基金之名非法吸存 无力兑付致案发
根据政法机关查明的事实，2012年10月至11月，中能远通（北京）投资基金管理有限公司股东韩学梅、刘孝明、李鸿雁以该公司名义，以投资“光大——北京丰台区安置房项目基金”可获得高额返利为由，非法吸收程小冰等100余人资金2亿余元。
上述资金被投向其他公司用于生产经营活动。后中能远通公司向投资人返款4000余万元后无力兑付，投资人报警。
2014年6月12日，李鸿雁被抓获归案；2014年7月18日，韩学梅、刘孝明接公安机关电话传唤自行到案。
日前，法院分别以非法吸收公众存款罪判处韩学梅、刘孝明有期徒刑1年，缓刑1年，并处罚金10万元；对李鸿雁判处罚金20万元。
法院认为，被告人采取按销售金额提成返点的方式委托第三方进行销售，具体辐射出不特定销售人员链接到社会不特定的多数投资人，吸收的系社会公众的资金，上述渠道实际上就是通过不特定专业理财人员的客户资源等向社会公众传播吸收资金的信息，应当认定为公开向社会公众吸收资金。同时本案被告人募集资金系以私募基金为名，行承诺返本付息的非法吸收公众存款之实，违反了金融管理法规，因此构成非法吸收公众存款罪。
工程方借基金公司融资 不明资金来路
光大国际建设工程总公司资金部总经理王洋向警方证实，2011年年底，该公司总承包丰台区某安置房工程，由于缺少流动资金，该公司负责人联系了中能远通公司总裁刘孝明。
“经协商中能远通公司给我们融资1.5亿。期限一年半，年化利息23%。等资金到位后一年半我们偿还本金和利息。”王洋作证说。
王洋说，之后双方签了合同，中能远通分两次支付了光大建设公司1.5亿元，当时，光大建设公司就支付了10%（1500万元）的利息，随后于2013年10月31日又支付了中能远通13%利息（1950万元）的利息。
王洋表示，这1.5亿元用于工程上的流动资金、人工费、材料费等。但融资的钱是怎么来的，他不清楚。
募得钱款远超项目需求 余额另做投资
一位要求匿名的原中能远通职工告诉《法制晚报》（微信公号ID：fzwb_52165216）记者，最初，募集资金确实是为了房地产项目建设，计划募集1.5亿元，但公司领导没想到很快募集款就远远超过了这个金额，公司领导就把钱转移做了投资，结果失败了，没法向投资人兑现高息承诺，导致案发。
韩学梅供述承认，募集来的钱有少一半投入光大建设公司，多一半投入其他公司用于经营。
李鸿雁供述说，2014年6月初开始，项目方无法向中能远通公司支付钱了，所以他们就没法再给投资人支付本金和利息了。
银行业务员私自推荐项目 事后难追偿
在案的投资人证言及报案材料证明，经宜信财富公司、中航信托公司、北京钜派投资公司等理财公司人员推荐，或经北京银行、浦发银行、中信银行、平安银行等理财经理及业务员推荐，100多名投资人投资了“光大——北京丰台区安置房项目基金”。
在案的投资人证言及报案材料证明，中能远通公司推出了保障房基金理财，最低投资100万元，承诺年收益10.5%；投资200万元，承诺年收益11%；投资金额300万元以上，承诺年收益12%，投资期限一年半，到期返本付息。
上述材料显示，介绍人告诉投资人，项目是与国企合作的，可靠、回收资金有保障；投资人看了介绍资料，通过银行转账等方式将100万元至1000万元不等的资金投到中能远通公司。2013年10月左右，投资人均收到了按利率计算的一年的利息收入，到了2014年4月份，投资人发现公司到期不能兑现。
另一位不愿具名的投资者告诉记者：“去银行存钱，办理业务的时候，理财经理就推荐，说这产品特别安全，回报也高，于是我就投资了。”
“虽然是银行的理财经理推荐和介绍的，但是合同是跟中能远通签的。”
王先生说，他找过推荐这个理财产品的银行和银行的理财经理，“银行说，这属于员工的个人行为，跟银行没关系。理财经理说他只是推荐，让我去找签合同的公司。”
雇第三方销售募集资金 逐步发展下线
政法机关查明，中能远通公司是通过付佣金雇佣第三方销售的方式募集资金的。
证人林某是上海的一位理财产品推销员。他作证称，2012年9月他通过别人介绍认识了中能远通公司总经理刘孝明，并了解到这家公司的融资项目，后刘孝明与他协商，代销渠道费用可以给他按综合平均3%提取佣金。
他告诉民警，2012年10月，他用朋友的公司与中能远通公司签订销售居间服务协议，他通过私人人脉找到10名行业内的销售经理。他们又辐射出若干销售人员，于2012年11月当月两周时间完成销售1亿余元。
企业调查 宜信财富多次涉案 不具备业务资质
文中所称的宜信财富公司，在案证据显示系指宜信卓越财富投资管理（北京）有限公司。资料显示，宜信财富公司是中国财富管理行业的知名企业，总部在北京，在全国40多个城市拥有千余名资深理财顾问。
记者了解到，这已经不是宜信财富第一次涉及类似案件。
据人民网报道，2013年8月，张女士和赵女士通过宜信（青岛）财富一位高级客户经理推荐并投资了“华融普银高速公路基金—岚临高速公路项目”基金。
然而在2014年7月3日，北京市朝阳区检察院对华融普银投资基金（北京）有限公司前法定代表人魏薇、董占海批准逮捕。这起案件涉及38亿余元人民币。媒体报道称，宜信财富代销的理财产品总规模在3亿元以上。
2015年5月14日，大连市处置非法集资领导小组办公室发布《关于公布企业违规发布涉嫌非法集资广告资讯信息的通告》。通告中，宜信卓越财富投资管理（北京）有限公司大连分公司被列入黑名单。
通告中称，“以上企业在我市各公园、超市、早晚市场和商场向不特定对象发布各类投资理财宣传资料，承诺年化收益8%-15%不等。经与相关部门核实，上述企业属于普通类工商企业，不具备对社会公众开展投资理财业务的牌照和资质，不能建立资金池，不能从事与投（融）资理财业务相关的金融业务，更不得以任何名义、任何形式向社会不特定对象吸收资金。”
银行调查 多家银行职员参与项目 私下获好处
判决书显示，除了宜信财富等理财公司外，多家银行的工作人员也为该项目介绍了大量资金。
韩学梅的辩护人、北京市盈科律师事务所律师吴风涛告诉记者，此案中有不少银行工作人员参与，但据他了解，这种参与不是银行的单位行为。
刘某作证说，2012年10月其找了某银行的理财经理唐某和客户经理周某，让他们帮着找客户投资，并承诺了给他们的提成比例。
刘某作证称，这两名银行职员一个销售出300万元，一个销售出100万元。销售后，中能远通公司按比例给其提成，其分给了唐某、周某一部分。
理财经理唐某接受了记者采访。唐某说，刘某和他是朋友，说正在卖涉及保障房的理财产品。刚好有一个投资人找他，希望他介绍一些银行理财外的金融产品，其就给汤某、刘某牵了线。
客户经理周某则作证称，刘某经常给其打电话介绍项目，让其给他拉资金、拉客户，后来帮刘某拉到了一个客户，拿了2.1万元的返点好处费。
专家观点 金融理财尚无追责依据 法律有待完善
北京市律师协会消费者权益法律专业委员会秘书长耿军提醒公众，希望大家在投资理财前多掌握一些金融知识，特别是老年人，一定不要轻信高额回报。
“金融机构要加强自律，同时需要加强管理。长远来看，还是需要通过立法来完善。”
中国社科院金融研究所银行研究室主任曾刚在接受《法制晚报》（微信公号ID：fzwb_52165216）记者采访时说，银行客户经理介绍非银行经营的理财产品，目前还缺少追责的法律依据，需要通过立法来进行规范。
责任编辑：李天奕
文章关键词： 金融机构 非法吸存
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