The collapse of enterprise's close internal injury and private loan

Li Yilin Shawsi Shanghai reported whether 3 trillion of bank loans have flowed into the private sector, which is a problem.　　Recently, the private financial emergence of a crack-type ecology, so that the "problem" a sense of urgency highlighted.　　Industrial + Guarantee + venture capital-this is originally a private lending beyond the relatives, geographical boundaries of the upgrade, this time, the civil financial crisis, "the eye of the typhoon" is to banks, guarantees, underground banks and other fields spread.　　The cause of the failure: to enter the collateral industry in Wenzhou, China's private financial sample region, a crisis is spreading.　　In Wenzhou East Gate economic Strong town forever Strong, "Venture investment mode" folk loan began to crack.　　July 27, Wenzhou giant Bang Shoes Co., Ltd. boss Wang Hexia was sent mysterious disappearance, this "lost" phenomenon has been at least three. Longwan police said that half a month due to the collapse of 3 companies in the area, in order to maintain the Community security, reinforced security members.　　No. 92-98, Ning Road, Longwan District Beach Street, Wenzhou giant shoe industry, a company that once recovered after the 2008 financial crisis, the door locked, police arranged a police officer on duty.　　Wang Hexia is the local after the Jiangnan leather boss Crane (this newspaper has detailed report), and so on, another "missing" business owner.　　This is the April this year, Wenzhou many enterprises after the collapse of the second wave, the local large-scale enterprises closed down, production, at least in more than 10. Although the cases of disappearance are magically similar, the details are different. This time the most obvious feature is industrial, security, create a kink.　　This was revealed in an internal bulletin issued by the Longwan District Footwear Industry Association August 1: Wang Hexia "disappeared" because of "involvement in an illegal guarantee company". A original in the giant state shoes work in Sichuan workers, Ms. Huang introduced, the giant state is mainly to do foreign trade shoes. The company has been doing well in the past few years and is still expanding.　　This March also rented a factory building production workshop, two plant a total of 3 lines. "There was no sign of it, almost overnight," he said.　　"The Longwan Shoe Industry Association, a person familiar with the matter, said that the king and Xia" ran away "is that he put money into an illegal guarantee company, after the guarantee company" closed "to be affected.　　But other people familiar with the matter said, such as Wang and Xia involved in such illegal guarantee company, in fact, is a few individuals to chip in "usury", the king involved in the amount, should be in tens of millions of yuan to billion. Coincidentally。 On the morning of August 2, Longwan-Ning, the treasure industry leather Company gathered a large number of onlookers, heard that the boss has not been contacted.　　Local police revealed that this is a founding in the 90 's old leather enterprises. The usual approach is that, despite tight monetary tightening, it is still relatively easy to get funds from companies or individuals with good credit and banking relationships.　　The funds they receive are often issued at a "preferential price" of 10% of the benchmark interest rate, leaving the money "suppliers" with arbitrage space. A venture-capital loan collapse a local bank personage discloses, usury principal 10 million yuan, monthly 6 points, the first year needs also the principal and interest 17.2 million yuan. If you countCompound interest, nearly 19 million yuan. Enterprises close "internal injury" of a private loan collapse in the second year, with 19 million yuan of the principal calculation, monthly interest of 1.14 million yuan, (1900x6%), to the end of the principal and interests is 32.68 million yuan, with compound interest of 35 million yuan.　　The third year, 35 million yuan of principal, monthly interest 2.1 million yuan, the end of 60 million yuan. This is how the leather industry died. The bank said.　　The more common practice is that a few people, in addition to their own funds, and then to a half to two points of the monthly to the private financing, and finally to three or four points or even higher monthly lent to others, profit from it. "Industry is a credit sign, equity participation in the security company, the main purpose of lending." Mr. Jiang, who claims to be a person in the "Leather Circle" of Yong Qiang. In fact, the private sector of credit, industry, security, venture to each other staggered, so often move one and lead the thousand June.　　This pattern began to spread after the last financial crisis. Mr Kang's deconstruction of the Wang Hexia-style "capital Group" is not a single shareholder, with entrepreneurs, financial institutions and even government officials in different fields. Some of these shareholders, in addition to their own funds, there are channels to absorb funds to enter.　　Flow, such as to engage in lending, real estate investment, securities investment, and capital trader is known as "VC."　　The person surnamed Wang who is currently under the control of the police is one of the representatives.　　People familiar with the matter said, "Wang Yu investment" involved in the funds at least 4 billion yuan, because the amount is too large, temporarily unable to turnover caused personal safety, he voluntarily surrendered, by local armed police control protection in a hotel in Wenzhou city. "Mainly some bank workers and public servants lent him money from the bank."　　"The source said," The king went to Shanghai to make a "venture capital" after obtaining funds. Bank account manager fled the above-mentioned personage further disclosed. At present, "Wang Yu investment" name assets still have 400 million-500 million yuan.　　Originally from the Bank to obtain loans working capital chain, but the continued tightening of money, real estate investment, the stock market heat is no longer, the cash profit space gradually reduced, so that his turnover gradually depleted. "Wang Yu" is the gathering point of the Fund group, is also the trader, the risk thus spreads to each link.　　As these lending intermediaries come from the relevant sectors, the crisis-affected financial institutions are beginning to emerge. "I can definitely feel in Wenzhou that there are too many people borrowing money," he said. As lenders become more and more strapped, interest rates may rise. But now there are more and more capital disputes. "A local agricultural bank in Wenzhou said to reporters," we all believe that industry is difficult to make money, it is better to withdraw funds, take to lend more labor. "The high-risk period of the new model has come and more disputes are being made."　　To Yueqing, for example, the first half of the Leqing people's court to hear private lending cases 636, the amount involved amounted to 269 million yuan. August 1, Citic Bank Wenzhou Liushi Branch, a senior account manager "Run Away", the local police have been involved in the investigation. According to the CITIC Bank Wenzhou Liushi Sub-branch said that the high involved in civilBorrowing, possibly in 70 million yuan, before the accident also to some customers sent a letter of apology, said that they were cheated. "She's involved in these funds, too, because of the bank's business."　　"A friend who claims to know the difficulties of Ms. Gao" revealed. In Wenzhou, most bankers are close to private lending intermediaries such as security and investment consultancy for their own purposes.　　In one of the two, a mutual fund-lending relationship was established. The president of a local city firm said in a worried way, "Wenzhou folk lending monthly has reached 6 to 9 points, using the identity of the bank account manager to lend money, the risk is not generally high." ”