The Huang family, described by Hong Kong people as a "criminal family", has six siblings, namely the eldest brother Huang Guifen, the second brother Huang Guirong, the third brother Huang Guiqiang, the fourth sister Huang Ruifang, the fifth sister Huang Ruizhen and the sixth brother Huang Guinan. Huang's parents rely on working as a hawker in Shek Kip Mei to raise their children. Although their family is poor, their relationship is very good. In the mid-1980s, Huang Guifen went astray after joining the Bamboo Union in Taiwan to start a loan business.
The four Huang brothers were domineering and committed crimes in the 1980s and 1990s. They were the biggest fraudsters since the opening of the port in Hong Kong. There are more than a dozen gambling casinos under the family, and they defrauded more than one billion Hong Kong dollars in a short period of time. has therefore become a key target of the police. Each of them ended up in jail for lending, abetting, defrauding, and intimidation, and the crime family's notoriety spread.
In the early 1990s, Stanley Prison detained four vicious criminals, namely Zhang Ziqiang, Ye Jihuan , Huang Guifen and Liu Guoxiong, they are also known as the four villains of Stanley . The four villains in Stanley can be described as calling for wind and rain.
In 1999, after 11 years in prison, Huang Guifen, who returned to society, changed her name to Huang Jinyi, and threatened to change her mind and cherish the days she spent with her family. After regaining their freedom, the Huang brothers became more low-key, and Huang Guifen also began to step back to direct, and Huang Guirong came forward to manage the family business.
Huang Guifen and Huang Guirong
Huang Guirong and his friend Ye Mouwen established an financial intermediary company in 2004, and in 2009, they arranged for a confidant to set up an financial company .The Huang brothers use a financial company and a financial intermediary as a package. Although the business scale of the two companies is not the largest, they are engaged in a more ruthless lending activity than the "nine out and thirteen returns" in Daerlong. Described as the worst lending group.
Financial intermediaries rely on introducing clients to financial companies, and then charge intermediary fees to clients. They are neither conditions of loan nor specified in the loan contract, so they are not subject to the laws of the Money Lenders Ordinance and the supervision of the HKMA. After this business method was packaged by the Huang family, on the one hand, they ran the business of the financial company in an open and honest way, and at the same time, they took the edge of the law as a financial intermediary, and disguised it as a usury loan to customers, and the water was deeper than the ear hole.
There are 9 out of 10 and 13 returns. For example, if you borrow 100,000 yuan, you can get 90,000 yuan, and you can get back 130,000 yuan with interest. However, when the Huang Brothers' finance company lends 100,000 yuan, only 50,000 to 60,000 yuan goes into the borrower's pocket. Because another financial intermediary company of the Huang brothers will take a large amount of intermediary fee first.
The "hole" of the big ear hole is the hole, the hole, and the "ear hole" is the ear eye, the ear hole, but the big ear hole here refers to the loan shark. In the early years of money transactions, "big head" ( silver dollar ) was used for large amounts, and " copper plate " ( copper coins ) for small amounts. After the loan sharks collected the amount, most of them put silver dollars and copper coins in their ears. Over time, the ear canal is also enlarged, so it is called "big ear canal". The interest of usury is "pinned" (interest) from day to day, and calculated with compound interest, which is called "pinning plus nailing, profit stacking profit".
Then continued to charge high interest rates on the condition of long-life debt and long-life repayment, and used various means to prevent borrowers from repaying their debts early. Until the borrower is unable to repay, he will be forced to sell the property used as collateral, and the ultimate goal is to squeeze it out.
A 65-year-old Hong Kong businessman approached the finance company of the Huang Brothers due to lack of funds, and wanted to borrow 100 million from the finance company, so Huang Guifen and Huang Guirong joined others to start a layout, claiming to the victim who was eager to borrow Approved hundreds of millions of loans, and then lured him to Shenzhen for a so-called inspection. In February 2018, the client was imprisoned and beaten immediately after arriving in Shenzhen, and was forced to sign to confirm the debt of tens of millions. During the period when the Hong Kong businessman borrowed money from a friend, the friend called the police after he became suspicious and then reported the case. The joint action between Guangdong and Hong Kong, and successfully rescued the Hong Kong businessmen.
's elder brother, Huang Guifen, was charged with conspiracy to defraud and was granted bail of HK$1 million, but he left four suicide notes while he was on bail and jumped off the building; his wanted brother, Huang Guirong, surrendered to the police station the next day . The content of the suicide note is as follows: I'm sorry, I was forced to come this far, there is no hope, I just hope that my family can go on strong.
