With the spread of the huge bad debt crisis of Xiamen Rongdian Financing Guarantee Co., Ltd. (hereinafter referred to as Xiamen Rongdian), the related underground financial food chain began to panic.
? A number of guarantee companies have successively exposed the problem of usury, and even the bank president has been involved. ? Sources told the 21st century business herald reporter.
The source revealed that a vice president of a foreign-funded bank branch located in Hubin North Road, Xiamen, had fled with money and was suspected of defrauding huge private usury funds.
? The guarantee companies that have recently experienced problems involve billions of dollars. ? The above-mentioned person said, This domino effect is still going on, and the hole is definitely getting bigger and bigger, but it is still impossible to estimate how much money and how many people will be involved. ?
However, when reporters from 21st century business herald visited the units and relevant departments involved in the rumor, the staff were evasive and refused to interview. As of press time, the local official has not officially announced the news, and it is impossible to get an exact statement from the official.
The fuse of the 3.7 billion black hole
event originated from the financial black hole in Xiamen Rongdian.
? This year? May day? On the first working day after the holiday, a creditor of Xiamen Rongdian led a group of people to collect debts, and shouted at the door of the building with a tweeter. The creditors of Xiamen Rongdian were alarmed. ? A creditor of Xiamen Rongdian told the 21st century business herald reporter.
according to its introduction, the creditor who caused the debt storm in Xiamen Rongdian was Zheng from Nanping, Fujian. In 28, he lent 8 million yuan to Zhong Mingzhen, the boss of Xiamen Rongdian, but this year's interest was in arrears, and it was fruitless. Finally, he copied the plot of Hong Kong movies and made a scene. Before, Zhong Mingzhen always paid interest on a monthly basis.
As a result, creditors rushed to the door, and Xiamen Rongdian's secret capital chain, which had been painstakingly managed for many years, collapsed overnight, and it was widely rumored that its debt was as high as 3.7 billion yuan.
? The collapse of Xiamen Rongdian was not good for anyone, and the creditor surnamed Zheng made everyone miserable. ? The above creditors said,? Prior to this, a bank in Xiamen had promised to give a credit line of 3 million yuan. As long as the money was available, the crisis of Xiamen Rongdian could be lifted. Now that the loan is gone, the company's business has completely stagnated. ?
according to the hidden rules of private lending, as long as the lender can settle accounts and pay interest on time, the game will continue, and the lender doesn't care about the lender's robbing Peter to pay Paul.
There are different legends about which bank is going to lend to Xiamen Rongdian.
As for the cause of Xiamen Rongdian crisis, Zhong Mingzhen said that this year, the relevant departments raised the entry threshold for financing guarantee companies, requiring the registered capital to reach 1 million yuan. Therefore, Xiamen Rongdian began to borrow 1 million yuan at high interest rates in the short term to change it into a financing guarantee company. The business scope and loan guarantee multiple of financing guarantee companies are better than ordinary guarantee companies.
But this statement has been dismissed as nonsense by many people in the industry. Since 28, Xiamen Rongdian has been borrowing from foreign countries with high interest rates, and it is only to make the cake bigger by changing it into a financing guarantee company. ? A local one in Xiamen? Gold master? (Private lenders) said.
A creditor surnamed Wu in Xiamen Rongdian also revealed that after the Xiamen Rongdian crisis broke out, Zhong Mingzhen's brother Zhong Mingyi, sister-in-law, husband Chen Gang, etc. had disappeared. The reason why Zhong Mingzhen was left to deal with the aftermath was that she was pregnant and the creditors were too tight to run away.
? Zhong Mingzhen originally planned to go to Hong Kong to have a baby, but in the present situation, the creditors will not let her leave Xiamen. ? Wu' s creditor said.
However, Zhong Mingzhen, who has been pregnant for 8 months, declared that she would not run away, hoping to determine the debt settlement plan before the birth of the child with the help of lawyers specializing in the disposal of non-performing assets.
No matter what the truth is, the creditors of Xiamen Rongdian still have a glimmer of hope compared with other debtors who walked away from similar incidents.
The person in charge of this matter is Fujian Tiankai Law Firm. Lawyer Zhou Hui, a partner of this firm, said that the creditors are now negotiating with the debtors, hoping to reach a suitable solution through this negotiation, which will serve as a model and reference for similar incidents in Xiamen. However, Zhou Hui is unwilling to disclose the details of the crisis in Xiamen Rongdian.
? Xiamen Rongdian's debt is as high as 3.7 billion yuan, of which the principal of the loan is about 8? 9 million yuan. ? The above creditors said.
the principal of the loan is about 8? The statement of 9 million yuan was confirmed by another creditor surnamed Chen, but he told reporters that the actual debt was not 3.7 billion yuan, and it was almost 1.7 billion yuan after deducting water.
whether it is 3.7 billion yuan or 1.7 billion yuan, except the principal of the loan, the difference is the high interest generated by the loan.
? The difference between 3.7 billion yuan and 1.7 billion yuan should be the difference in interest level. It is likely that the lender will take the initiative to cut the interest rate and the interest rate of private lending higher than the national regulations after the crisis. ? The above Xiamen? Gold master? Say.
However, when the reporter asked several creditors of Xiamen Rongdian, they all avoided talking about it or talked about other things. There is no clear answer to the whereabouts of the loan.
? If calculated according to the principal, there is still a gap between Zhong Mingzhen's personal assets available for disposal and the creditor's principal cannot be fully recovered. ? An employee of Xiamen Rongdian said,? Zhong Mingzhen has two large-area properties and more than 1 acres of land, as well as some assets in other people's names. ?
However, some creditors told the 21st century business herald reporter that after investigation, they found that most of the assets mentioned by Zhong Mingzhen were already in other people's names, and they had been mortgaged repeatedly. Therefore, there were also disagreements among creditors.
? The Xiamen Intermediate People's Court has received more than a dozen cases in this case alone, mainly to preserve collateral. ? The person said,? There are hundreds of people on the creditor list, and some people with collateral are not on the list. ?