Hundreds of millions of of the big underground banks in Hunan dragged down many property companies

Exclusive disclosure of the first case of the illegal operation of the crime of usury in Hunan Legal Daily News correspondent Wu Linfang Law daily reporter Zhao Wenming lives in Hunan province Changde Wuling District Liu June finally breathed a sigh of relief. Half a year ago, he spent half of his savings to buy the house developers, in the real estate has not yet delivered suddenly mysterious disappearance, not only the sales office overnight deserted, even the real estate also stopped all construction work.　　See the high-rise will be capped Liu June and so on more than 200 owners want to cry without tears, had to turn to the police.　　After six months, Liu June purchase of real estate site finally again "Roar" sound, however, Liu June and other people do not know, in the real estate "developers to flee" the "farce" behind, even hidden a involved in the amount of billions of dollars in the "underground Bank", and all this originated in this "underground banks" usury transactions ... January 15, the Changde Public Security bureau in Hunan province arrested this "underground bank" as the main suspect Zhang Nanhua for illegal operation.　　It is understood that this is the first case of Hunan province's procuratorial organ for the illegal operation of the crime of bribery arrest.　　Developers volume of missing 203 owners collective "Report" January 16, Changde Public Security Bureau through the investigation detachment of the investigators to the reporter exclusive disclosure of the details of the case. "At that time, we bought the house here is to fancy the real estate in the prime location."　　Liu June told reporters, Changde South China Real Estate Development Co., Ltd. development of the property "Rui Xiang Kate International" is located in Changde two major traffic arteries ——— Wuling Avenue and the junction of the Willow Road. We have checked the planning of this area, which is the core area of Changde city development, and belongs to the future CBD. And "Auspicious Kate International" in a large number of outdoor advertising also claimed that ' have Kate International, with a city's life commanding Heights '.　　Liu June said.　　In September 2007, Liu June, who was preparing to marry, poured out his savings and purchased a 92.81-square-metre house in the "Auspicious Kate International", which was May 30, 2008.　　However, the developers did not pay the house on time, until June 2009, "Rui-Kit International" still no signs of completion.　　And Liu June "with Mingxiang", there are 203 households have paid the full owner. "By June 2009, all of the construction of the ' Rui-xiang-Kate International ' had started to stagnate and the site could be said to be dead."　　Liu June told the reporter, at that time, "the 3 building of the International" Wuling "is a" goods "pattern at the junction of the Willow Road and The Lancet, where two 24-storey and 16-storey buildings have been capped and another 16-storey cap is about to be capped," but this is not the end of the job. "　　June 13, 2009, a more so that 203 of the owners of the things that gripped the ——— "Rui Xiang Kate International" developers Yao a sudden "human evaporation", even the usual very lively sales department, also immediately empty. "The developer Yao MoU buys our house the hard-earned money to roll away, escapes!" ”For a time, more than 200 home buyers into anxiety, you know, these "prospective owners" have delivered a more than 50 million yuan in the purchase of money, and many of them poured out their life savings.　　June 22, "Rui Xiang Kate International" more than 30 representatives of the owners came to the Changde Government Petition Bureau. Their collective petition aroused concern, Changde related leaders immediately instructed by the city construction agency, the Joint Housing Bureau and other units set up investigation group.　　After investigation, "Rui Xiang Kate International" is not successful completion of the main reason is the financial problem.　　　　December 7, 2009, Changde relevant departments will "Rui Xiang Kate International" developers of the missing incident, transferred to the Changde Public Security Bureau by investigation detachment.　　The "partner" of the Usury bureau has become a "lender" after a series of investigations, the police found that in the "developer of the Missing" hidden behind a "case."　　In 2006, the legal representative of Changde Nanhua Real Estate Co., Ltd. Zhang Nanhua obtained the right to use 9248.1 square metres of land at the junction of Wuling Avenue and the Willow Road to be used for commercial and residential development. In November, Zhang Nanhua and the developers of Rui Xiang Real Estate Development Co., Ltd., the developer of "Rui Xiang Kate International", signed a joint agreement to develop this piece of land.　　Zhang Nanhua to the land, at a discount of 10 million yuan to collect fixed returns, Rui Xiang real estate company Yao is "Rui Xiang Kate International" project construction, Nanhua Company does not participate in management. However, the days of the accident, the real estate industry in 2008 suffered an unprecedented "heavy blow."　　It is at this time that the "clever" Zhang Nanhua called for the withdrawal of funds invested in the "Auspicious Kate International". However, the following investigation results have puzzled the police: as of June 2009, Zhang Nanhua Total recovery of 17.65 million yuan, but according to the two sides "agreement", at this time, Yao still owed Zhang South China 10.05 million yuan.　　And that is the remaining tens of millions of dollars in debt, so that has been paid to Zhang Nanhua million yuan debt caused by a broken capital chain Yao had to choose a "missing".　　The police analysis, Zhang Nanhua behavior is likely to constitute usury crime. However, after consulting the industry, the police learned that, such as Zhang Nanhua's South China Company and Yao's Rui Xiang Company to "Rui Xiang Kate International" side of the joint development model, in Changde and many of the two or three-line cities are "more common." In spite of all kinds of hidden dangers, the relevant units have to activate the market, often with one eye closed.　　"Changde, an industry insider in the real estate industry, said. So, does Zhang Nanhua and Yao's behavior belong to illegal operation crime? or cooperative development?　　Or is it a credit transfer?　　For a time, because there is no other evidence, the police force dilemma.　　In the crowd, the deputy team leader Shangjian a proposal opened the idea: if it is usury, Zhang Nanhua can't just put the loan to a person, he should have other customers, but also should not only this together. So, the police officers moved the investigation to other real estate companies that had relations with Zhang Nanhua and with the South China company.　　The results of the investigation have surprised the mentally prepared civilian police: the debt owed to Zhang Nanhua and South China's companies has more than 50 real estate companies, the total debt up to hundreds of millions of yuan. In a subsequent survey of more than 50 real estate companies, the police also received a series of similar testimonies. "Zhang Nanhua Heart is too dark, not only the interest is very high, in debt collection, it is to use a hoe to dig our meat, with a knife to pull our hearts."　　"The boss of a big-debt real estate company describes his" creditor "Zhang Nanhua. "Underground banks," a variety of tricks to borrow 8 million to 27 million after investigation, Zhang Nanhua lending is generally the first to cash, but never pay in full, first deduction month interest, such as 1 million yuan usury, the borrower can only get 900,000 yuan.　　After the expiration, the borrower once can not return money, Zhang Nanhua let the borrower again dozen IOU into the principal, interest to turn this, this income. In the police investigation, "Zhang Nanhua Kate International," the developer of Yao is not the "underground bank" in the deepest victims of the debtor.　　In this "the bank" also took place to borrow 8 million yuan still 27 million yuan of absurd matter. August 2006, a real estate company in Changde for the development of a project, the monthly interest to the Zhang Nanhua loan cash 8 million. Since then, the company repeatedly debt service, as of December 2008 repayment of cash 13.1 million yuan, still owed 12.5 million yuan. Under the "pressure" of Zhang Nanhua, the company will develop 42 sets of commercial housing in order to lower than the market price transfer to Zhang Nanhua's name, even the resulting should be Zhang Nanhua pay 2 million yuan related costs, the company can only be the end of their own pockets.　　After calculation, the real estate company finally total "repayment" more than 27 million yuan. After the police confirmed that, from November 2005 to October 2009, Zhang Nanhuazhinang China Real Estate company legal representative during the period, without the approval of the relevant State departments and Banking Supervision Department of the license, to higher than the bank loan interest, the 1 angle of the monthly, engaged in illegal funds to pay settlement business, and the amount of money involved,　　So many real estate companies frequently closed down, seriously disrupted the financial market order, endangering the national economic security and social stability.　　and to Zhang Nanhua and his South China real estate company's lending behavior, Changde the banking regulatory department also has made "the illegal financial business activity" the conclusion.　　Accordingly, the Changde Public Security Bureau to Zhang Nanhua and other people suspected of illegal operation as the basis, filed and reported to the procuratorial organ approval, in January 2010 execution arrest.　　January 14, after the twists and turns of "Rui-Xiang Kate International" officially resumed. January 19, after six months of uneasy, Liu June again stood in the "Rui Xiang Kate International" construction site. At this time the site is another scene, dump truck to the underground parking lot to clean silt, construction team busy in the formation of the earth Square, the building on the outside wall hanging "150 days to ensure completion of the community completedDelivery "and a number of mega-banners are particularly eye-catching, but also to quiet six months of the building injected a hint of anger ...