Liu bilked $ 1 million? Yunus Nobel Peace Prize winners sent allegations to the Jingdong-Liu Jingdong-IT information

Volunteers for Grameen China, economists Wen kejian witnessed Jingdong between Grameen Bank and close to alienating the entire process.

2014 on November 24, Liu himself signed a letter to Yunus, invited him to preside over the upcoming Beijing East breakfast with Grameen China. Liu also suggested in a letter to talk Yunus into Grameen Bank model of Chinese Internet finance innovation, opportunity and challenge.

Grameen Bank and Grameen Bank, dedicated to rural poor people unable to get traditional bank loans provide loans, is the world's largest and most successful microfinance institutions. In 2006, the Grameen Bank and its founder Muhammad Yunus, was awarded the Nobel Peace Prize.

At mail less than a month after Liu Jingdong a Grand Conference was held in Beijing, and Yunus himself attended the meeting with Liu. In addition, Jing dong has invited famous economist Xu xiaonian, and Tang min arrived at the scene, witnessed the Jingdong this cooperation with Grameen China.

December 17, 2014, this event has also been widely reported by the media. At that meeting, Jingdong and Grameen China signed a strategic cooperation agreement, discuss cooperation in many areas, work together to provide farmers with financial solutions.

Although so-called "strategic cooperation" more retreats, but according to the head of Grameen China Gao Zhan memories, two days before the announcement, Liu I personally promised a contribution of $ 1 million for Grameen China specific commitments.

Journalists obtained a confidential meeting at the level of the interface appears in the memorandum, December 15, 2014, including Liu, Chen Shengqiang (Jingdong financial CEO), number of Jingdong executives had a meeting with Gao Zhan and others.

Among them, Grameen made in China, plans to establish the Board of Directors, raising at least $ 5 million in start-up capital, funding can come from the Board of Directors and Council, Grameen China will run as a social enterprise, money in the form of equity investment into, but not dividends. Grameen need to keep 50%+1 a seat on the Board.

Liu expressed interest in joining the Board of Directors, capital contribution and commitment of $ 1 million as a Director. Follow-up to raise capital by Grameen China Board of Directors, the wall will help raise in three months to complete. As leader of the Director's primary responsibility is to play influential for the realization of Grameen which raised funds for poverty alleviation.

In addition, the meeting also shows, Jingdong and Grameen mutual consent for Grameen China engage with East Beijing follow-up business cooperation, including through the Beijing Platform to raise funds in the East, Beijing East China Group-Grameen micro finance strategic cooperation framework based on the memorandum.

However, the $ 1 million pledges and the absence of any written agreement.

Interface Gao Zhan told journalists, Liu was the reason given is that East is a public company, there is a strict limit of use of funds, funded by his personal contributions, you don't need to write to launch strategic partnership agreement signed by both parties in the same day.

"I think that Jingdong such a large company, Liu is so well-known, certainly not dead beat. "Gao Zhan says.

Unexpectedly, after the Conference finished, he could not contact Liu himself. Now for more than two years in the past, Grameen and Beijing, China East cooperation there has been no real progress, he repeatedly found the Jingdong asked when donations, is kicking back and forth between the various sectors.

Wen kejian said Jingdong initially had requested that Grameen China provided material, including a $ 1 million contribution corresponding to the asset planning, Grameen China's qualification, but after the information is ready, Jingdong and still no reply.

High times to Beijing and East communications, finally find the Dong Guan Peisheng, President Zhang 雱, Beijing. According to Gao Zhan, said Jing dong people, including Zhang 雱 "promised $ 1 million contributions" this raised no objections, but for various reasons are not implemented.

"Yunus himself has sent a message to Liu last asked this, but received no response. "Wen kejian said later Liu Jingdong never read a message from shirk. In October 2015, Yunus has openly acknowledged in an interview, Jingdong financial cooperation with no apparent progress.

Wen kejian said Yunus himself has on many occasions asked the course of events, but hard to Yunus started Grameen China regard a clear reply, finally dragged out communication with the East failed to tell the truth after Yunus, he was disappointed.

Liu failed to carry out pledges of us $ 1 million, and interface journalists also confirm with Jing dong, but it was also a statement.

"As the Grameen Bank has yet to solve relevant financial qualification, resulting in contributions could not be implemented. "Beijing East official interface reporters, East of Beijing in December 2014, with the Grameen China strategic cooperation, with Grameen micro finance models to explore the creation of a suitable sample of financial services in rural China. In the course of discussion on both sides, Jing dong said on the premise of consistent with China's relevant laws and regulations, contributions to support the Grameen Bank project in China fall.

The reasons for the delays drag not contributions, these people said it was about Grameen Bank: qualification of individual contributions, Grameen China needed an NGO entity, but there has been no application and qualification of microcredit each other has been made.

But Wen kejian said concerned needs NGO entity, did not listen to the Jingdong mentioned previously, while Liu pledged contributions must be, China did not say that Grameen micro-credit qualification. Of course, the Grameen China is open, if the East Beijing wants, Grameen can match the Jingdong Chinese thinking, make some necessary adjustments, issues based on mutual consensus follow-up contributions.

Most importantly, replication of the Grameen global campaigns in the host countries to provide technical and management services, commonly referred to as BOT (build-operate-transfer), not directly engage in the Bank, so you don't have any financial qualifications or licences. Rich Yunnan-Yunnan and Grameen Bank at present cooperation is going well, the people's daily also reported "the Grameen Bank model in China".

Although China has a lot to India's vast rural population, but Grameen model in China since the fall, has been suffering acclimatized.

According to the investor's report, from as early as 1993 Du Xiaoshan, Mao yushi, try the Grameen model has 22 years, only the North foreland village survives, its founder, is the current President of Grameen China Gao Zhan.

Caixin reported once remarked, if China continued the Grameen Bank model pilot, you may need to first clear cutting on the relations with local governments, strengthening the independence of the micro-finance institutions, promotion agencies loan officers directly in the village exists, better communication and mutual trust Center and group meetings on a regular basis information mechanisms.

Jingdong after work with Grameen announced over the years but always in a separate attempt to promote rural finance.

July 2015, Beijing East financial for village market launched has credit consumption products "village white", currently cover has national 150,000 villages; September 2015, Beijing East financial released rural financial strategy, building full industry chain products chain rural financial service; October 2015, Beijing East financial and species industry company du State pioneer and dealer cooperation, aimed at for farmers provides planting link by needed production of financing loan service; November, Beijing East financial rural financial business online, Above 150,000 rural extension agents into rural finance business promoters.

刘强东赖账100万美元？诺贝尔和平奖得主尤努斯向京东发出指控 - 刘强东,京东 - IT资讯

格莱珉中国的志愿者、经济学者温克坚见证了京东与格莱珉银行之间从亲密到疏远的全过程。

2014年的11月24日，刘强东亲自署名写了一封信给尤努斯，邀请他前来一同主持京东即将举办的与格莱珉中国的早餐会。信中刘强东还提出，要跟尤努斯探讨中国互联网金融融入乡村银行模式中的创新、机遇与挑战。

格莱珉银行又称孟加拉乡村银行，专门面向农村无法获得传统银行贷款的贫穷百姓提供贷款，是当今世界规模最大、运作最成功的小额贷款金融机构。2006年，格莱珉银行及其创始人穆罕默德·尤努斯一起获得了诺贝尔和平奖。

在刘强东发完邮件后不到一个月，京东在北京举办了一次盛大的发布会，尤努斯本人亲自出席与刘强东会面。除此之外，京东还邀请著名的经济学家许小年和汤敏来到现场，见证了京东与格莱珉中国的这一场合作。

2014年12月17日的这场活动也曾被中外媒体广泛报道。在那次会议上，京东与格莱珉中国签订了战略合作协议，商讨在多个领域展开合作，共同为农民提供金融解决方案。

虽然所谓的“战略合作”务虚较多，但据格莱珉中国负责人高战回忆，在发布会的前两天，刘强东本人亲口答应了格莱珉中国一个捐款100万美元的具体承诺。

界面新闻记者获得的一份保密级的会议备忘录中显示，2014年12月15日，包括刘强东、陈生强（京东金融CEO）在内的多位京东高管与高战等人进行了一次会晤。

其中，格莱珉中国方面提出，计划建立董事会，募集至少500万美金的启动资金，资金可来源于董事会与理事会，格莱珉中国将以社会企业的方式运作，资金以股权投资形式注入，但不分红。格莱珉方面需要保证50%+1的董事会席位。

刘强东表示愿意加入董事会，且承诺个人出资100万美元担任董事。后续筹集资金由格莱珉中国董事会、长城会协助在三个月内筹集完成。作为董事的首要职责是发挥领袖影响力，为实现格莱珉扶贫理想而募集资金。

除此之外，会议记录中还显示，京东与格莱珉双方同意将进行格莱珉中国与京东后续业务合作接洽，包括通过京东平台筹集信贷资金等，以京东集团-格莱珉中国小微金融战略合作框架备忘录为基础。

不过，这笔100万美元捐款承诺并没有任何书面协议。

高战告诉界面新闻记者，刘强东当时给出的理由是，京东是一家上市公司，资金使用有严格限制，所以由他个人出资捐款，就不必写到发布会当天双方签字的战略合作协议里了。

“我想京东这么大一公司，刘强东也这么知名，肯定不会赖账的。”高战说。

没想到，发布会办完之后，他就再也联系不上刘强东本人了。如今快两年过去，格莱珉中国与京东的合作也一直没有任何实质进展，他期间多次找到京东方面询问捐款事宜时，就一直在各个部门之间被来回踢皮球。

温克坚回忆说，最初京东方面曾经要求格莱珉中国方面提供材料，包括100万美元捐款对应的资产规划、格莱珉中国的资质证明等，但资料准备好了之后，京东也依旧没有任何回音。

高战也多次到北京与京东沟通，最后直接找到了京东总裁办的管培生张雱。据高战称，包括张雱在内的京东人士都对“承诺过100万美元捐款”这件事没有提出过异议，但是就是以各种理由拖着不落实。

“最后尤努斯本人也曾发邮件给刘强东询问此事，但也石沉大海。”温克坚说，京东后来以刘强东从来不看邮件为由推脱。2015年10月，尤努斯也在公开采访中承认，跟京东金融的合作没有取得明显进展。

温克坚说，尤努斯本人曾经多次追问这个事情的进展，但刚开始格莱珉中国方面很难给尤努斯一个明确的回复，最后拖不下去了将与京东沟通未果的实话告诉尤努斯之后，他感到挺失望。

针对刘强东未履行100万美元捐款承诺的事情，界面新闻记者也向京东方面求证，但却得到了另外一番说法。

“由于格莱珉银行尚未解决相关金融资质，导致捐款无法落实。”京东相关负责人向界面新闻记者表示，京东于2014年12月与格莱珉中国达成战略合作意向，与格莱珉小微金融模式共同探讨创造一个适合于中国农村的金融服务样本。在双方商讨过程中，京东表示在符合中国相关法律法规的前提下，以捐款方式支持格莱珉银行在中国的项目落地。

对于迟迟拖着不捐款的原因，上述人士表示问题出在格莱珉银行：具体捐款资质方面，格莱珉中国需要一个NGO的实体，但一直没有申请下来；同时，小额贷款的资质对方也未取得。

但温克坚说，有关需要NGO实体的说法，以前并没有听京东方面提起过，同时刘强东承诺的捐款也没有说要求格莱珉中国必须获得小额贷款资质。当然，格莱珉中国在这方面也是开放的，如果京东有诚意，格莱珉中国可以配合京东思路，进行一些必要的调整，把捐款事项以符合双方共识的方式落实。

更重要的是，格莱珉在全球的复制运动，在所在国家提供的是技术和管理服务，通常称为BOT（建立-运营-移交），不是直接开办银行，所以不需要任何金融资质或牌照。目前格莱珉与云南富滇银行合作进展顺利，《人民日报》亦有报道“格莱珉银行模式落户中国”。

虽然中国有着不少于印度的广大农村人口，但格莱珉模式在中国落地以来，一直遭遇着水土不服。

根据《投资者报》的报道，从最早1993年杜晓山、茅于轼尝试格莱珉模式至今22年间，只有苏北陆口村一处存活下来，其创建人就是目前格莱珉中国的总裁高战。

财新网报道曾经评价，中国如果继续开展格莱珉银行模式试点，可能首先需要在与地方政府的关系上进行明确的切割，加强微型金融机构的独立性，增进机构信贷员在村庄的直接存在，更好发挥定期中心和小组会议的信息沟通和互信机制。

而京东在跟格莱珉宣布合作之后，这些年却一直在单独推动农村金融方面的尝试。

2015年7月，京东金融针对乡村市场推出了信贷消费产品“乡村白条”，目前覆盖了全国15万行政村；2015年9月，京东金融发布农村金融战略，构建全产业链产品链农村金融服务；2015年10月，京东金融和种业公司杜邦先锋及其经销商合作，旨在为农民提供种植环节所需生产资料的融资贷款服务；11月，京东金融农村理财业务上线，其上述15万乡村推广员又变身为农村理财业务推广员。