June 20
A number of banks in Henan that had previously been involved in "difficulties in withdrawing money"
issued an announcement to launch online customer fund information registration from now on
Yuzhou Xinminsheng Rural Bank Data map
4 rural banks announced: unable to handle business normally Customers are required to register
According to Beijing Business Daily, Henan Zhecheng Huanghuai Rural Bank, Shangcai Huimin Rural Bank, Yuzhou Xinminsheng Rural Bank, Kaifeng New Oriental Rural Bank announced that in accordance with the requirements of the financial management department, from now on Carry out online customer fund information registration work. All customers who are unable to handle business normally after the bank's online trading system is closed are required to register.
Official website announcement of Henan Yuzhou New Minsheng Rural Bank
Kaifeng New Oriental Rural Bank official website announcement
The information registration form released by Yuzhou New Minsheng Rural Bank shows that when registering information, customers must first select a depository institution , in addition to filling in basic personal information In addition, the relevant " product information " should also be filled in, including transaction time, transaction amount, product name, product term, product annual interest rate, transaction channel, revenue obtained, method of obtaining revenue, method of obtaining product, and whether there is any other way to obtain the product. channels to gain revenue.
In terms of transaction channels, in addition to 4 self-operated channels such as mobile banking, WeChat applet, WeChat public account, online merchant bank , the options given in the registration form also include Pocket Bank, Binhai Financial Institution, Xiaomi Finance , Ctrip Finance, Du Xiaoman, OPPO Wallet, VIVO Wallet, Antelope Fortune (Paipai Dai) and other 34 third-party channels.
The "major shareholder" behind the scenes is suspected of serious crimes. The actual controller has paid 23 million in bribes
In April 2022, 4 Henan rural banks, Yuzhou Xinminsheng Rural Bank, Shangcai Huimin Rural Bank, Zhecheng Huanghuai Rural Bank, and Kaifeng New Oriental Rural Bank has announced "system upgrades" one after another, and bank deposits cannot be withdrawn. In addition, similar situations also occurred at Xinhuaihe Village Bank in Guzhen, Bengbu City, Anhui Province, and Xinhuaihe Village Bank in Yi County, Huangshan City.
According to Securities Times , on May 20, the relevant person in charge of China Banking and Insurance Regulatory Commission stated at a briefing meeting that the Henan rural bank risk incident is not simply a transaction between the public and rural banks, but also involves other entities, and there are many Complex transaction structures.
Henan New Fortune Group, the major shareholder of these rural banks, uses third-party platforms or "fund brokers" to absorb public funds, which is suspected of illegal crimes. The public security organs are currently investigating.
On June 18, the Xuchang Municipal Public Security Bureau issued a police information notice through the official WeChat public account "Ping An Xuchang " saying:
On April 19, 2022, the Xuchang Municipal Public Security Bureau investigated Henan New Fortune Group Investment Holding Co., Ltd. for suspected major crimes in accordance with the law. Investigate the case. It has been preliminarily discovered that since 2011, a criminal gang headed by Lv, the actual controller of the company, has been suspected of using village banks to commit a series of serious crimes. At present, positive progress has been made in the investigation of the case. The public security organs have arrested a number of criminal suspects and sealed, detained and frozen a number of funds and assets involved in the case in accordance with the law.
What is the origin of "Henan New Fortune Group"?
According to China Business News investigation, the actual controller of New Fortune Group is Lu Yi. Through its hundreds of companies across the country, he has successively invested in and controlled many domestic city commercial banks, rural commercial banks and rural banks. Among them, include the above-mentioned four banks involved in the "withdrawal difficulty" incident.
Lu Yi’s first pot of gold came from the highway. On September 26, 2003, the Lanwei Expressway in Henan Lankao to Shenqiu officially laid the foundation stone. The actual controller behind the construction of Fanglanwei Expressway Development Co., Ltd. was Lu Yi.
, a 61-kilometer highway, has a total investment of 2.4 billion yuan. Lu Yi also obtained the toll rights of Highway for 30 years. In order to raise funds, Lu Yi mortgaged the highway toll rights to the bank and borrowed funds for road construction. Later, he used part of the funds to participate in financial institutions, and then mortgaged the equity of the financial institutions for financing. is like this, Lu Yi Yi has successively invested in many domestic city commercial banks, rural commercial banks and rural banks.
However, even as the New Fortune Group gradually grew, Lu Yi's name almost never appeared in the shareholder lists of these banks. His clues eventually appeared in some court judgments.
The Zhengzhou Intermediate People's Court disclosed in a criminal judgment issued on September 20, 2018, that in order to seek a loan, Lu Yi borrowed more than 9 million from Zhengzhou Bank Vice President Qiao Junan . Subsequently, in order to obtain more They took out loans and paid more than 23 million yuan in bribes. Moreover, the two of them started a business of profiting from the interest rate difference. Qiao Junan was responsible for getting the bank approval, and Lu Yi borrowed the money and then lent it to some related companies. In this judgment, Lu Yi is identified as the chairman of New Fortune Group.
Also in this judgment, Henan New Fortune Group issued certification stating that Henan Hailing Industrial Development Co., Ltd., Henan Qiwang Industrial Development Co., Ltd., Henan Aerospace Home Appliances Co., Ltd., Zhengzhou Chaofan Office Equipment Co., Ltd., Zhengzhou Boaosen Companies such as Electric Appliance Co., Ltd., Shijiazhuang Wenhao Trading Co., Ltd., Nanjing Heshenghe Trading Co., Ltd., Henan Dingjia Industrial Development Co., Ltd., Henan New Century Investment Co., Ltd., and Zhengzhou Bojue Trading Co., Ltd. are all actually controlled by Lu Yi.
The series of "limited companies" listed in the above judgment are exactly a small part of the shadow companies used by Lu Yi to invest. It was through these shadow companies that Lu Yi penetrated into the financial industry and controlled or held a large proportion of shares in many financial institutions.
By establishing multiple shadow companies, New Fortune Group will not only invest in multiple financial institutions through a certain shadow company, but also place multiple shadow companies in the same financial institution at the same time. will eventually form a concentration of equity. In order to achieve the purpose of controlling or holding a large proportion of shares.
This also makes it full of suspense about who actually controls some of the rural banks.
For example, behind Xuchang Rural Commercial Bank, the major shareholder of Xin Minsheng Rural Bank in Yuzhou, there is the New Fortune Group. Xuchang Deyitian Agricultural Materials Co., Ltd., the nominal largest shareholder of Xuchang Rural Commercial Bank, can also be related to Henan New Fortune Group.
The scale of Internet deposits in the bank involved exceeds tens of billions
According to The Paper , many depositors of the bank involved said that they purchased deposit products of relevant village and town banks through the Internet financial platform one or two years ago. The interest income obtained is higher than that of ordinary banks.
html On April 19, as an Internet smart bank technology service provider, Junzheng Zhida (Shenzhen) Technology Development Co., Ltd. submitted a written report to the relevant departments, entitled "About Yuzhou New Minsheng Bank, Zhecheng Huanghuai Village Bank, Shanghai Four rural banks, Cai Huimin Rural Bank and Guzhen Xinhuaihe Rural Bank, closed all online channel fund payment services, resulting in widespread complaints and serious bank runs on the Internet platform.Junzheng Zhida Company stated in the report that "the scale of existing Internet deposits of the above four rural banks on major Internet platforms exceeds tens of billions, involving nearly one million customers."
According to an investigation by NetEase Qingliu Studio, the actual controller Henan New Fortune Group, represented by Lu Yi, not only holds equity interests in major regional banks such as Bank of Luoyang and Hebei Bank, but also holds shares in at least 6 rural commercial banks and rural banks, and the cumulative number may reach 13. Henan New Fortune Group is suspected of transferring funds amounting to 39.7 billion through internal and external collusion, use of third-party platforms and fund brokers.
Public information shows that Henan New Fortune Group Investment Holding Co., Ltd. was established in July 2011 with a registered capital of 160 million yuan. In February 2022, the company was deregistered.
Currently, in response to this incident, the relevant person in charge of the Henan Banking and Insurance Regulatory Bureau and the Henan Provincial Local Financial Supervision Bureau stated that financial management departments at all levels are closely cooperating with the public security organs to carry out investigations, and the online trading systems of village banks such as Yuzhou Xinminsheng have been The criminal facts manipulated and exploited by the Fortune Group have been initially identified, and the relevant funds are under investigation.
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